Capital One Financial vs Truist Financial (COF vs TFC)
Side by side from their SEC filings: revenue, margins, growth, returns and valuation, plus short interest, insider activity and institutional ownership.
Capital One Financial is the larger company by revenue ($53.4B vs $20.3B) and market value ($129.7B vs $60.4B). Capital One Financial has grown revenue faster over the last 4 fiscal years (+75.6% cumulative vs +3.3%). Truist Financial trades at the lower trailing P/E (11.4x vs 11.8x).
About Capital One Financial
Capital One Financial Corporation is a diversified financial services company that operates as a global payments provider and financial institution. It offers a range of products including credit cards, debit cards, bank lending, treasury management, auto loans, and other consumer lending services primarily in the United States. The company serves consumers, small businesses, and commercial clients through digital channels, branch locations, cafés, call centers, and ATMs.
About Truist Financial
Truist Financial Corp is a financial services company that provides banking, lending, mortgage banking, credit card, investment advisory, and fiduciary and trust services. It serves consumers, small businesses, and commercial clients with products including deposit accounts, home equity lending, automobile loans, and commercial real estate financing. The company also offers insurance and treasury corporate services.
Head to head (COF FY2025 vs TFC FY2025)
| Metric | COFFY2025 | TFCFY2025 |
|---|---|---|
| Revenue | $53.43B | $20.32B |
| Revenue growth (YoY) | 36.6% | 53.0% |
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 4.6% | 26.1% |
| Net income | $2.45B | $5.31B |
| Diluted EPS | $4.03 | $3.82 |
| FCF margin | 48.9% | — |
| ROE | 2.2% | 8.1% |
| Long-term debt / equity | 0.44× | 0.64× |
| Market cap | $129.65B | $60.40B |
| P/E | 11.8× | 11.4× |
Fundamentals are from each company’s SEC filings (COF FY2025, TFC FY2025). ROE is net income over fiscal-year-end equity; long-term debt / equity counts non-current term debt only. P/E and market cap are derived from stored market prices, last retrieved on a rolling basis and typically within the past week.
Five-year trend (as reported)
| Revenue | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| COF | $30.43B | $34.25B | $36.79B | $39.11B | $53.43B |
| TFC | $19.67B | $19.97B | $20.02B | $13.28B | $20.32B |
Peer standing
Where each company ranks among the 76 banks, on the same scale. Each figure is ranked only against peers that report it. Percentiles describe position in the distribution, not a rating.
| Metric | COF | TFC |
|---|---|---|
| Net margin | 4.6%Lowest of 76 | 26.1%40th percentile of 76 |
| Revenue growth (YoY) | +36.6%84th percentile of 76 | +53.0%93rd percentile of 76 |
| ROE | 2.2%Lowest of 76 | 8.1%23rd percentile of 76 |
| P/E | 11.8×38th percentile of 75 | 11.4×30th percentile of 75 |
| Long-term debt / equity | 0.44×62nd percentile of 38 | 0.64×78th percentile of 38 |
| Short interest (days to cover) | 3.71d23rd percentile of 75 | 3.89d26th percentile of 75 |
Short interest
| FINRA settlement data | COF | TFC |
|---|---|---|
| Shares sold short | 10.7M | 24.8M |
| Change vs prior settlement | +0.1% | -10.4% |
| Days to cover | 3.71 | 3.89 |
| As of settlement | 2026-08-14 | 2026-08-14 |
Source: FINRA Consolidated Short Interest. FINRA is the owner and source of the FINRA-supplied data; republishing or redistributing it is not permitted. Not presented as a percentage of float. No FINRA endorsement of this product is implied.
Insider activity (last 90 days)
| Form 4 activity (codes P/S) | COF | TFC |
|---|---|---|
| Buys | 0 | 0 |
| Sells | 15 ($7.1M) | 3 ($1.6M) |
Non-derivative purchases (code P) and sales (code S) reported on SEC Form 4, which may be open-market or private (grants, exercises and tax withholding excluded). For context, about 15% of covered companies saw any reported insider purchase (code P) in a 90-day window.
Held by the same investors
9 tracked 13F managers hold both Capital One Financial and Truist Financial as of their latest quarterly filings: AQR Capital Management, Bridgewater Associates, Citadel Advisors, D. E. Shaw, Dodge & Cox, Gotham Asset Management, Harris Associates (Oakmark), Millennium Management, Two Sigma Investments. See which superinvestors hold your own portfolio with the smart money checker.
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Data sourced from SEC EDGAR. Figures are as-reported and may be unaudited or restated; verify against the source filings before relying on them. Comparisons are descriptive (higher or lower on a reported figure), not a rating or a recommendation. Informational only. Not investment advice.