COF vs BK Comparison: AI Score, Valuation, Performance and Upside
Compare Capital One's card issuing and lending model against BNY Mellon's fee-based institutional custody business.
Use this Capital One vs Bank of New York Mellon comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
COF holds the edge across 3 of 5 key metrics in this comparison. BK has delivered stronger 1-year price return (+64.55% vs -0.87%), though COF has the better forward P/E setup (8.98x vs 14.23x for BK). On fundamentals, COF is growing revenue faster (1111.00%), while BK maintains the higher operating margin (37.65%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for COF (+19.75%) than for BK (+4.00%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | COF | BK |
|---|---|---|
| AI scorei | 60.3 | 52.1 |
| AI ranki | #169 | #403 |
| Latest closei | $219.60 | $157.13 |
| 1M returni | +0.84% | +7.57% |
| 6M returni | +18.24% | +26.75% |
| 1Y returni | -0.87% | +64.55% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | COF | BK |
|---|---|---|
| 1Y ago | $9.98K (-0.2%) started 2025-09-08 | $16.05K (+60.5%) started 2025-07-17 |
| 5Y ago | $16.13K (+61.3%) started 2021-09-09 | $42.25K (+322.5%) started 2021-07-19 |
| 10Y ago | $42.04K (+320.4%) started 2016-09-09 | $65.08K (+550.8%) started 2016-07-18 |
Hypothetical — past performance does not guarantee future results.
| Metric | COF | BK |
|---|---|---|
| Market capi | $132.31B | $94.14B |
| Trailing P/Ei | 11.88 | 17.02 |
| Forward P/Ei | 8.98 | 14.23 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 2.82 | -3.18 |
| Analyst targeti | $258.27 | $142.64 |
| Target upsidei | +19.75% | +4.00% |
| Metric | COF | BK |
|---|---|---|
| Revenue growthi | 1111.00% | 13.40% |
| Earnings growthi | -3.20% | 41.80% |
| EPS growthi | -3.20% | +41.80% |
| FCF margini | N/A | N/A |
| Operating margini | 33.63% | 37.65% |
| Profit margini | 21.87% | 28.72% |
| ROIC proxyi | 9.03% | 13.47% |
| Return on equityi | 9.03% | 13.47% |
| Dividend yieldi | 1.48% | 1.53% |
| Betai | 1.02 | 1.07 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, COF and BK have moved moderately in the same direction (correlation of 0.49), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | COF | BK |
|---|---|---|---|
| 1Y | Growthi | -0.23% | +60.47% |
| CAGRi | -0.23% | +60.58% | |
| Volatilityi | 32.03% | 20.83% | |
| Sharpe ratioi | 0.01 | 2.25 | |
| Sortino ratioi | 0.02 | 3.39 | |
| Max drawdowni | 31.73% | 10.15% | |
| Current drawdowni | 14.86% | 0.00% | |
| Avg drawdowni | 15.53% | 2.47% | |
| Ulcer Indexi | 18.51% | 3.70% | |
| Max daily dropi | 8.84% | 5.58% | |
| Max wkly dropi | 10.29% | 6.90% | |
| 5Y | Growthi | +50.69% | +272.32% |
| CAGRi | +8.55% | +30.11% | |
| Volatilityi | 35.30% | 24.54% | |
| Sharpe ratioi | 0.28 | 1.02 | |
| Sortino ratioi | 0.41 | 1.48 | |
| Max drawdowni | 49.10% | 40.45% | |
| Current drawdowni | 14.86% | 0.00% | |
| Avg drawdowni | 20.73% | 12.15% | |
| Ulcer Indexi | 25.06% | 17.37% | |
| Max daily dropi | 9.96% | 8.26% | |
| Max wkly dropi | 18.58% | 16.00% | |
| 10Y | Growthi | +257.13% | +398.85% |
| CAGRi | +13.58% | +17.44% | |
| Volatilityi | 37.27% | 26.91% | |
| Sharpe ratioi | 0.41 | 0.57 | |
| Sortino ratioi | 0.59 | 0.80 | |
| Max drawdowni | 60.25% | 50.49% | |
| Current drawdowni | 14.86% | 0.00% | |
| Avg drawdowni | 17.34% | 12.56% | |
| Ulcer Indexi | 22.31% | 17.30% | |
| Max daily dropi | 23.87% | 14.50% | |
| Max wkly dropi | 38.21% | 24.89% |
| Category | COF | BK |
|---|---|---|
| Company | COF | BK |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | N/A |
| Core business | Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United Sta… | N/A |
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