Compare Stocks › AAPL vs COF
Apple Inc. (AAPL) vs Capital One Financial Corporation (COF)
AAPL
Apple Inc.
$280.25
VS
COF
Capital One Financial Corporation
$191.91
Rewards
AAPL
- ★Apple Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Apple Inc. scores 96/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
COF
- ★Capital One Financial Corporation scores 75/100 on the Economic Moat Score (Wide Moat), with reinvestment efficiency as the strongest competitive dimension.
- ★Free cash flow has grown at a 26.6% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★PEG ratio of 0.21 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
Risks
AAPL
- ⚠FCF yield of 2.5% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠Insiders have sold $24.6M worth of stock in the past 3 months — significant insider liquidation.
COF
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Share count has increased by 64% over the past 4 years, diluting existing shareholders.
- ⚠Buybacks have been poorly timed — 3 out of 4 years involved repurchases at relatively expensive valuations.
Key Valuation Metrics
Learn more →AAPL
COF
Valuation
$101.09B
Free Cash Flow
N/A
2.46%
FCF Yield
N/A
33.93
Trailing P/E
59.23
29.30
Forward P/E
7.99
Quality & Moat
60.20%
ROIC
15.80%
105.18%
ROE
N/A
47.86%
Gross Margin
0.00%
1.56
PEG Ratio
0.21
Balance Sheet Safety
0.80
Debt / Equity
N/A
N/A
Interest Coverage
N/A
0.10
Net Debt / EBITDA
N/A
0.39%
Dividend Yield
1.67%
AAPL: 3Ties: 1COF: 3
AAPLCOF
Historical Fundamentals
Learn more →AAPL
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
COF
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →AAPL
$7.57
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$257.06B
Δ Market Cap
+$1.94T
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
COF
$14.50
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$8.00B
Δ Market Cap
+$116.05B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →AAPL
58.6% Overvalued
Price is 58.6% above estimated fair value
Current Price: $280.25
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $176.66
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
COF
15.5% Margin of Safety
Price is 15.5% below estimated fair value
Current Price: $191.91
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $227.07
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AAPL
What growth rate is the market pricing in at $280?
+16.0%
Market-Implied Owner Earnings Growth
Standard FCF implies +17.4%
The market implies +16.0% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +17.4%, reflecting heavy growth investment.
COF
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →AAPL
96/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
COF
75/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by reinvestment efficiency. Margin Stability is the area most vulnerable to competitive pressure.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →AAPL
-2.29
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
COF
-2.27
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →AAPL
Insiders 1.6%Institutions 65.3%Retail & Other 33.0%
No. of Institutional Holders7,540
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
COF
Insiders 1.9%Institutions 86.5%Retail & Other 11.6%
No. of Institutional Holders2,638
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →AAPL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
COF
0
Buys (3M)
1
Buys (12M)
Total value (12M): $1,972
ZAMSKY MICHAEL
Officer
$1,972
@ $197.20 · 2025-05-16
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →AAPL
3
Sells (3M)
11
Sells (12M)
Total value (12M): $112.79M
PAREKH KEVAN
Chief Financial Officer
$421,850
@ $275.00 · 2026-04-23
O'BRIEN DEIRDRE
Officer
$7.66M
@ $255.35 · 2026-04-02
COOK TIMOTHY D
Chief Executive Officer
$16.51M
@ $254.23 · 2026-04-02
KONDO CHRISTOPHER
Officer
$1.02M
@ $271.23 · 2025-11-07
PAREKH KEVAN
Chief Financial Officer
$1.04M
@ $247.39 · 2025-10-16
O'BRIEN DEIRDRE
Officer
$11.07M
@ $257.39 · 2025-10-02
ADAMS KATHERINE L
General Counsel
$12.10M
@ $256.79 · 2025-10-02
COOK TIMOTHY D
Chief Executive Officer
$33.38M
@ $256.81 · 2025-10-02
LEVINSON ARTHUR D
Director
$20.89M
@ $232.07 · 2025-08-28
O'BRIEN DEIRDRE
Officer
$7.77M
@ $223.20 · 2025-08-08
KONDO CHRISTOPHER
Officer
$933,955
@ $208.19 · 2025-05-12
PAREKH KEVAN
Chief Financial Officer
$941,420
@ $206.00 · 2025-04-23
COOK TIMOTHY D
Chief Executive Officer
$24.18M
@ $223.65 · 2025-04-02
ADAMS KATHERINE L
General Counsel
$8.68M
@ $223.67 · 2025-04-02
WILLIAMS JEFFREY E
Chief Operating Officer
$7.95M
@ $224.01 · 2025-04-02
LEVINSON ARTHUR D
Director
$343,147
@ $226.35 · 2025-02-03
LEVINSON ARTHUR D
Director
$45.46M
@ $227.32 · 2024-11-19
KONDO CHRISTOPHER
Officer
$945,233
@ $228.87 · 2024-11-18
MAESTRI LUCA
Chief Financial Officer
$13.43M
@ $226.52 · 2024-10-04
O'BRIEN DEIRDRE
Officer
$13.84M
@ $226.87 · 2024-10-02
ADAMS KATHERINE L
General Counsel
$13.80M
@ $226.20 · 2024-10-02
WILLIAMS JEFFREY E
Chief Operating Officer
$13.55M
@ $226.86 · 2024-10-02
COOK TIMOTHY D
Chief Executive Officer
$50.28M
@ $224.46 · 2024-10-02
KONDO CHRISTOPHER
Officer
$1.96M
@ $225.00 · 2024-08-15
KONDO CHRISTOPHER
Officer
$1.12M
@ $216.50 · 2024-08-09
ADAMS KATHERINE L
General Counsel
$20.64M
@ $206.44 · 2024-08-05
LEVINSON ARTHUR D
Director
$14.37M
@ $191.58 · 2024-05-30
KONDO CHRISTOPHER
Officer
$951,785
@ $190.40 · 2024-05-15
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
COF
9
Sells (3M)
30
Sells (12M)
Total value (12M): $85.77M
DEAN LIA
Officer
$314,052
@ $185.61 · 2026-04-01
KARAM CELIA EDWARDS
Officer
$203,985
@ $185.61 · 2026-04-01
DEAN LIA
Officer
$627,244
@ $191.00 · 2026-03-02
KARAM CELIA EDWARDS
Officer
$312,476
@ $191.00 · 2026-03-02
MOUADEB MARK DANIEL
Officer
$334,530
@ $210.00 · 2026-02-26
MOUADEB MARK DANIEL
Officer
$305,755
@ $202.62 · 2026-02-25
HANSON JASON P
Officer
$764,445
@ $205.00 · 2026-02-25
BLINDE NEAL A
Officer
$7.27M
@ $190.51 · 2026-02-24
DEAN LIA
Officer
$734,565
@ $223.68 · 2026-02-04
KARAM CELIA EDWARDS
Officer
$460,071
@ $218.25 · 2026-02-02
COOPER MATTHEW W.
General Counsel
$500,000
@ $250.00 · 2026-01-06
RAGHU RAVI
Officer
$3.36M
@ $250.00 · 2026-01-05
DEAN LIA
Officer
$772,879
@ $244.35 · 2026-01-02
KARAM CELIA EDWARDS
Officer
$504,338
@ $244.35 · 2026-01-02
COOPER MATTHEW W.
General Counsel
$443,080
@ $221.54 · 2025-12-02
DEAN LIA
Officer
$713,132
@ $218.15 · 2025-12-01
KARAM CELIA EDWARDS
Officer
$640,488
@ $218.15 · 2025-12-01
LAPRADE FRANK G. III
Officer
$3.96M
@ $222.03 · 2025-11-13
BLINDE NEAL A
Officer
$9.58M
@ $221.83 · 2025-11-06
COOPER MATTHEW W.
General Counsel
$438,820
@ $219.41 · 2025-11-04
FAIRBANK RICHARD D
Chief Executive Officer
$22.84M
@ $220.68 · 2025-11-04
FAIRBANK RICHARD D
Chief Executive Officer
$23.35M
@ $225.68 · 2025-10-27
COOPER MATTHEW W.
General Counsel
$423,980
@ $211.99 · 2025-10-02
COOPER MATTHEW W.
General Counsel
$446,800
@ $223.40 · 2025-09-02
GOLDEN TIMOTHY P.
Officer
$44,590
@ $215.41 · 2025-08-19
GOLDEN TIMOTHY P.
Officer
$727,989
@ $210.28 · 2025-08-12
ZAMSKY MICHAEL
Officer
$1.16M
@ $209.59 · 2025-08-04
ALEXANDER ROBERT M.
Chief Technology Officer
$2.30M
@ $227.86 · 2025-07-23
ZAMSKY MICHAEL
Officer
$1.91M
@ $199.40 · 2025-05-12
HACKETT ANN FRITZ
Director
$329,445
@ $198.70 · 2025-05-12
ZAMSKY MICHAEL
Officer
$2.01M
@ $190.26 · 2024-11-12
YOUNG ANDREW M
Chief Financial Officer
$1.08M
@ $183.51 · 2024-11-08
WEST KARA
Officer
$133,189
@ $184.73 · 2024-11-07
ALEXANDER ROBERT M.
Chief Technology Officer
$3.11M
@ $187.12 · 2024-11-07
RAGHU RAVI
Officer
$4.09M
@ $165.00 · 2024-11-05
MOUADEB MARK DANIEL
Officer
$323,766
@ $162.37 · 2024-11-05
LAPRADE FRANK G. III
Officer
$2.52M
@ $160.00 · 2024-10-17
BORGMANN KEVIN S
Officer
$8.18M
@ $132.86 · 2024-08-06
ALEXANDER ROBERT M.
Chief Technology Officer
$4.61M
@ $150.00 · 2024-07-17
KARAM CELIA EDWARDS
Officer
$2.42M
@ $142.88 · 2024-05-08
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →AAPL
😏Greed(71/100)
"Market is optimistic — be cautious and ensure you have a margin of safety"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
COF
😐Neutral(41/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →AAPL
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Greed (71)
COF
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (41)