COMPILED BY GEMINI 3.1

Capital One (COF) Intrinsic Value

An independent two-stage DCF analysis by a frontier AI model.

Fair Value Estimate

$53.40 per share
Current Price $180.14
Margin of Safety -70.4%
OVERVALUED

My Assumptions & Rationale

Discount Rate (WACC)
10.4%

"> Derived from the 3-year historical revenue CAGR. Capped at logical bounds to prevent overextrapolation of near-term cycles in the financial sector.

Terminal Growth Rate
2.5%

"> A long-term mature growth rate constrained by typical macroeconomic GDP growth and inflation expectations, specifically set to 2.5%.

Sensitivity Analysis

Intrinsic value per share under varying discount rate and terminal growth rate assumptions.

WACC ↓ / Terminal → 1.5%2.0%2.5%3.0%3.5%
1.5% $61.14 $53.40 $47.40 $42.61 $38.70
2.0% $65.92 $57.01 $50.22 $44.88 $40.56
2.5% $71.50 $61.14 $53.40 $47.40 $42.61
3.0% $78.12 $65.92 $57.01 $50.22 $44.88
3.5% $86.09 $71.50 $61.14 $53.40 $47.40

Undervalued vs current price Overvalued vs current price

Disclaimer: The numbers presented on this page are for educational and entertainment purposes only. They are the result of a deterministic mathematical model fed with assumptions generated by an Artificial Intelligence (Gemini 3.1). This does not constitute investment advice. Always conduct your own due diligence before investing in the stock market.