On the filings, Capital One (COF) is the stronger stock right now — higher on our blended fundamentals-plus-verdict read, and we currently rate it BUY.
Digital auto-finance bank with earnings rebounding (EPS +31.7%) but low 5.5% ROE and heavy credit/used-vehicle exposure keep it a hold.
Headline its multiple and EPS -65% are Discover-deal accounting artifacts; at ~its multiple with a newly owned payment network, COF looks mispriced.
| Metric | ALLY | COF |
|---|---|---|
| Fundamentals score | 76 | 69 |
| Revenue growth (YoY) | +3.8% | +36.3% |
| Net income growth (YoY) | +27.5% | -48.4% |
| Net margin | 68.5% | 30.4% |
| Return on equity | 5.5% | 2.2% |
| ROIC (est.) | — | — |
| Liabilities / Equity | 11.65 | 4.89 |
| Piotroski F-score | 5 / 9 | 4 / 9 |
Bold green = the stronger figure. All rows derive from SEC XBRL filings — no market-price data on this page.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 4:45 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 19, 2026, 2:22 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.