COF vs RJF
Capital One vs Raymond James Financial — AI-powered side-by-side comparison
VS
RJF
Raymond James Financial
59
Buy
| Metric | COF | RJF |
|---|
| AI Score |
67
|
59
|
| Price |
$221.44
|
$179.53
|
| P/E Ratio |
14.07×
|
15.47×
|
| ROE |
2.2%
|
17.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
66.2%
|
83.5%
|
| Debt / Equity |
0.40×
|
0.42×
|
| Dividend Yield |
1.4%
|
1.2%
|
| RSI (14) |
77.8
|
67.5
|
| Beta |
1.016
|
0.92
|
| Expected Upside |
+0.4%
|
—
|
AI Committee View
Current Innellis committee reasoning for COF versus RJF.
COF leads by 8 points.
COF scores 67/100 (Buy) versus RJF at 59/100 (Buy).
COF Committee View
83% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 38.2% yoy -- genuine top-line momentum. Risk Analyst remains cautious — bollinger bandwidth of 15.4% signals elevated volatility. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- P/E of 12.9 is inexpensive for the broad market — Value
- Price-to-book of 1.4x is a discount to asset value — Value
- Revenue growing 38.2% YoY -- genuine top-line momentum — Growth
Bear Case
- RSI at 78 is in overbought territory — Technical
- Weekly RSI at 76 -- overbought on the larger timeframe too — Technical
- Bollinger bandwidth of 15.4% signals elevated volatility — Risk
RJF Committee View
67% agreement
6 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — high leverage (debt-to-equity 5.14) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 18.3% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- Debt-to-equity of 5.14 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 80 -- overbought on the larger timeframe too — Technical