Which has the lower trailing P/E, COF or USB?

USB has the lower trailing P/E: COF trades at 13.71 and USB at 12.85. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, COF or USB?

Over the past five years, COF grew revenue faster — COF at a 20.29% CAGR versus USB at 12.72%.

Does COF or USB pay a bigger dividend?

COF yields 1.35% and USB yields 3.24% based on trailing dividends and the latest price.

Is COF or USB more profitable?

USB runs the higher net margin — COF at 13.38% versus USB at 18.69%.

How have COF and USB total returns compared?

Over the past 10 years, COF delivered 14.45% and USB delivered 8.22% annualized total return. Past performance doesn't predict future results.

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

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 August 5, 2026. Differences are shown without an overall score or investment verdict.

COF

Capital One Financial Corporation

$135.97B

$221.63Financial ServicesDelayed quote: Aug 5, 2026, 4:00 PM EDT

USB

U.S. Bancorp

$100.02B

$64.21Financial ServicesDelayed quote: Aug 5, 2026, 4:00 PM EDT

Total return — COF vs USB

growth of $100 · dividends reinvested · last 30y

COF +2805.9%USB +1902.9%COF compounded faster

COF USB

COF vs USB: by the numbers

•COF is the larger company ($135.97B vs $100.02B market cap).
•USB trades at the lower trailing earnings multiple (12.85 vs 13.71 P/E), one valuation lens rather than an overall verdict.
•USB converts more revenue to profit (18.69% vs 13.38% net margin).
•COF grew revenue faster over the past five years (20.29% vs 12.72% CAGR).
•USB pays the higher dividend yield (3.24% vs 1.35%).

Metrics side by side

Valuation

Metric	COF	USB
P/E ratio	13.71	12.85
Forward P/E	10.85	12.32
P/S ratio	1.75	2.28
P/B ratio	1.21	1.48
PEG ratio	N/A	0.53

Profitability

Metric	COF	USB
Gross margin	47.33%	63.78%
Operating margin	3.29%	23.95%
Net margin	13.38%	18.69%
ROE	9.24%	12.12%
ROIC	1.09%	4.46%

Dividends

Metric	COF	USB
Dividend yield	1.35%	3.24%
Payout ratio	74.44%	45.02%

Growth (annualized)

Metric	COF	USB
Revenue CAGR (5Y)	20.29%	12.72%
EPS CAGR (5Y)	-4.93%	8.59%
Total return CAGR (5Y)	8.28%	7.70%

Frequently asked

Which has the lower trailing P/E, COF or USB?: USB has the lower trailing P/E: COF trades at 13.71 and USB at 12.85. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, COF or USB?: Over the past five years, COF grew revenue faster — COF at a 20.29% CAGR versus USB at 12.72%.
Does COF or USB pay a bigger dividend?: COF yields 1.35% and USB yields 3.24% based on trailing dividends and the latest price.
Is COF or USB more profitable?: USB runs the higher net margin — COF at 13.38% versus USB at 18.69%.
How have COF and USB total returns compared?: Over the past 10 years, COF delivered 14.45% and USB delivered 8.22% annualized total return. 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 Highest 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 August 5, 2026.