Capital One Financial Corporation (COF) vs The Charles Schwab Corporation (SCHW)

A side-by-side comparison of Capital One Financial Corporation and The Charles Schwab Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of August 23, 2026. Differences are shown without an overall score or investment verdict.

Compare

Total returnCOF vs SCHW

growth of $100 · dividends reinvested · last 10y
COF +274.7% (+14.1%/yr)SCHW +312.4% (+15.2%/yr)SCHW compounded faster over this window
100200300400Start $10020182020202220242026$375$412
COF SCHW

COF vs SCHW: by the numbers

  • SCHW is the larger company ($195.31B vs $133.68B market cap).
  • COF trades at the lower trailing earnings multiple (13.48 vs 20.42 P/E), one valuation lens rather than an overall verdict.
  • SCHW converts more revenue to profit (33.62% vs 13.38% net margin).
  • COF grew revenue faster over the past five years (20.29% vs 13.03% CAGR).
  • COF pays the higher dividend yield (1.38% vs 0.81%).

Metrics side by side

Valuation

MetricCOFSCHW
P/E ratio13.4820.42
Forward P/E10.6617.28
P/S ratio1.726.50
P/B ratio1.193.91

Profitability

MetricCOFSCHW
Gross margin47.33%86.67%
Operating margin3.29%43.49%
Net margin13.38%33.62%
ROE9.24%20.24%

Dividends

MetricCOFSCHW
Dividend yield1.38%0.81%
Payout ratio74.44%19.44%

Growth (annualized)

MetricCOFSCHW
Revenue CAGR (5Y)20.29%13.03%
EPS CAGR (5Y)-4.93%17.05%
Total return CAGR (5Y)7.18%10.77%

Frequently asked

Which has the lower trailing P/E, COF or SCHW?
COF has the lower trailing P/E: COF trades at 13.48 and SCHW at 20.42. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, COF or SCHW?
Over the past five years, COF grew revenue faster — COF at a 20.29% CAGR versus SCHW at 13.03%.
Does COF or SCHW pay a bigger dividend?
COF yields 1.38% and SCHW yields 0.81% based on trailing dividends and the latest price.
Is COF or SCHW more profitable?
SCHW runs the higher net margin — COF at 13.38% versus SCHW at 33.62%.
How have COF and SCHW total returns compared?
Over the past 10 years, COF delivered 14.21% and SCHW delivered 15.40% annualized total return. Past performance doesn't predict future results.

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified August 23, 2026.