Capital One Financial Corp. vs Expensify Inc — how do they compare? Capital One Financial Corp. trades at $208.92 (market cap $126.46B), while Expensify Inc trades at $1.86 (market cap $175.04M). The key difference: Capital One Financial Corp. is far larger — about 722.5× Expensify Inc's market cap, and Capital One Financial Corp. pays a 1.56% dividend while Expensify Inc pays none. Which is the better fit depends on your goals.
| COF | EXFY | |
|---|---|---|
Market Cap | $126.46B | $175.04M |
Sector | Financials | Technology |
52-Week High | $257.94 | $2.33 |
52-Week Low | $176.10 | $0.75 |
Dividend Yield | 1.56% | — |
Enterprise Value | — | $114.07M |
Signals from Pluang's Aura AI — not financial advice
Capital One Financial (COF) trades at $203.02, up 0.74% with a bullish technical signal from moving averages. The stock shows mixed earnings performance with recent misses but strong revenue growth to $53.43B in 2025. Analyst consensus remains positive with a $252.40 price target and 62.5% buy ratings, while the Discover integration presents significant expansion opportunities amid credit risk concerns.
COF offers potential upside from current levels with Wall Street optimism around the Discover acquisition, though investors face headwinds from rising delinquencies and margin compression. The stock's valuation at 62.44 P/E appears elevated relative to modest ROE of 3.34%, requiring careful monitoring of integration execution and credit quality trends.
Expensify (EXFY) trades at $1.79, down 5.29% today, with a bullish technical signal from moving averages. The company reported Q1 2026 EPS of $0.04, beating expectations, but maintains negative net income margins. Recent news highlights product launches including AI-powered expense automation and a $25 million stock buyback program. Revenue remains stable around $140 million annually with improving cash flow from operations.
Outlook remains mixed with analyst consensus evenly split between Buy and Hold. Key opportunities include product innovation and cost management, while risks involve persistent profitability challenges and competitive pressure in expense management software. The stock's valuation shows high P/E ratio despite negative earnings, requiring careful fundamental assessment.
Trailing returns across standard periods
Capital One is a diversified financial services holding company headquartered in McLean, Virginia. Originally a spinoff of Signet Financial's credit card division in 1994, the company is now primarily involved in credit card lending, auto loans, and commercial lending.
Read more on COF →Expensify Inc is a cloud-based expense management software platform that helps the smallest to the largest businesses simplify the way they manage money. More than 10 million people use Expensify's free features, which include corporate cards, expense tracking, next-day reimbursement, invoicing, bill pay, and travel booking in one app.
Read more on EXFY →