COF vs CPSS
COF: America's largest credit card issuer, now strengthened by the Discover acquisition, offering an integrated suite of consumer banking, lending, and global payment network services. CPSS: A subprime auto finance company that buys dealer-originated contracts and securitizes them to fund lending to credit-challenged car buyers.
Side-by-side fundamentals
| Metric | COF | CPSS | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $201.36 | $9.27 | |
| Market cap as of 2026-07-23 | $124.3B | $198M | |
| P/E as of 2026-07-23 | 11.82 | 9.83 | CPSS lower |
| PEG as of 2026-07-23 | 5.38 | 1.75 | CPSS lower |
| Net margin as of 2026-07-23 | +14.9% | +4.6% | COF higher |
| Gross margin as of 2026-07-23 | n/a | +45.7% | |
| Operating margin as of 2026-07-23 | +18.3% | +6.0% | COF higher |
| ROE as of 2026-07-23 | +9.3% | +6.5% | COF higher |
| ROA as of 2026-07-23 | +1.6% | +0.5% | COF higher |
| Debt / equity as of 2026-07-23 | 0.39 | 11.67 | COF lower |
| Revenue growth (YoY) as of 2026-07-23 | +38.2% | +12.3% | COF higher |
| Revenue CAGR (3y) SEC XBRL | +16.0% | +9.6% | COF higher |
| Dividend yield as of 2026-07-23 | +1.6% | n/a | |
| Dividend streak (yrs) SEC XBRL | 5 | n/a | |
| Beta as of 2026-07-23 | 1.03 | 1.12 | |
| 1-year return as of 2026-07-22 close | -7.4% | +6.8% | CPSS higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.