Is COF or USB cheaper?

On trailing earnings, USB is cheaper: COF trades at a 70.71 P/E and USB at 12.21.

Which has grown faster, COF or USB?

Over the past five years, COF grew revenue faster — COF at a 19.49% CAGR versus USB at 12.25%.

Does COF or USB pay a bigger dividend?

COF yields 1.49% and USB yields 3.54% based on trailing dividends and the latest price.

Is COF or USB more profitable?

USB runs the higher net margin — COF at 4.29% versus USB at 18.02%.

Which has been the better investment, COF or USB?

Over the past 10-year, COF delivered the higher annualized total return — COF at 14.11% versus USB at 7.36%. Past performance doesn't predict future results.

Capital One Financial Corporation (COF) vs U.S. Bancorp (USB)

USB leads on 8 of 12 compared metrics.

A side-by-side comparison of Capital One Financial Corporation and U.S. Bancorp across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 21, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

COF

Capital One Financial Corporation

$125.41B

$201.53Financial Services

USB

U.S. Bancorp

$90.25B

$58.14Financial Services

Total return — COF vs USB

growth of $100 · last 30y

COF +1984.1%USB +691.0%COF compounded faster

COF USB

COF vs USB: by the numbers

•COF is the larger company ($125.41B vs $90.25B market cap).
•USB trades at the lower earnings multiple (12.21 vs 70.71 P/E).
•USB converts more revenue to profit (18.02% vs 4.29% net margin).
•COF grew revenue faster over the past five years (19.49% vs 12.25% CAGR).
•USB pays the higher dividend yield (3.54% vs 1.49%).

Which is better, COF or USB?

Metric tally: COF 4 · USB 8

It depends on what you're optimizing for:

ValueUSB(lower P/E)

GrowthCOF(faster 5Y revenue CAGR)

IncomeUSB(higher dividend yield)

QualityUSB(higher ROIC)

Metrics side by side

Valuation

Metric	COF	USB
P/E ratio	70.71	12.21●
Forward P/E	—	11.40
P/S ratio	1.67●	2.09
P/B ratio	1.12●	1.37
PEG ratio	—	0.53

Profitability

Metric	COF	USB
Gross margin	48.31%	62.81%●
Operating margin	4.33%	23.18%●
Net margin	4.29%	18.02%●
ROE	2.87%	11.87%●
ROIC	1.09%	4.46%●

Dividends

Metric	COF	USB
Dividend yield	1.49%	3.54%●
Payout ratio	74.44%	44.59%

Growth (annualized)

Metric	COF	USB
Revenue CAGR (5Y)	19.49%●	12.25%
EPS CAGR (5Y)	-4.93%	8.59%●
Total return CAGR (5Y)	8.04%●	5.67%

Frequently asked

Which is better, COF or USB?: It depends on your goal. value: USB (lower P/E); growth: COF (faster 5Y revenue CAGR); income: USB (higher dividend yield); quality: USB (higher ROIC). Across all compared metrics, USB leads 8 to 4.
Is COF or USB cheaper?: On trailing earnings, USB is cheaper: COF trades at a 70.71 P/E and USB at 12.21.
Which has grown faster, COF or USB?: Over the past five years, COF grew revenue faster — COF at a 19.49% CAGR versus USB at 12.25%.
Does COF or USB pay a bigger dividend?: COF yields 1.49% and USB yields 3.54% based on trailing dividends and the latest price.
Is COF or USB more profitable?: USB runs the higher net margin — COF at 4.29% versus USB at 18.02%.
Which has been the better investment, COF or USB?: Over the past 10-year, COF delivered the higher annualized total return — COF at 14.11% versus USB at 7.36%. Past performance doesn't predict future results.

Go deeper

Full COF analysis Full USB analysis Interactive comparison tool

Dig into the metrics

Capital One Financial P/E ratio U.S. Bancorp P/E ratio Capital One Financial dividend yield U.S. Bancorp dividend yield Capital One Financial ROE U.S. Bancorp ROE Capital One Financial operating margin U.S. Bancorp operating margin Capital One Financial revenue growth U.S. Bancorp revenue growth Capital One Financial free cash flow U.S. Bancorp free cash flow

Capital One Financial & U.S. Bancorp appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Highest FCF Yield Stocks Best 10-Year Total Return Stocks

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 June 21, 2026.