BAC vs COF: Which Is the Better Dividend Stock?
As of September 2026, COF (Capital One Financial Corporation) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. BAC offers the higher yield at 2.22%, BAC has the higher dividend-safety score, and COF trades at the larger discount to fair value (+63%).
| Metric | BAC | COF |
|---|---|---|
| Forward yield | 2.22% | 1.58% |
| Annual dividend | $1.28 | $3.20 |
| Payout ratio | 26% | 17% |
| Years of growth | 12 yr | 1 yr |
| 5-yr dividend growth | 8.4% | 21.1% |
| 5-yr total return | 21% | 34% |
| Dividend safety score | 86 (A) | 73 (B) |
| Fair value estimate | $91.91 | $329.96 |
| Upside to fair value | +59% | +63% |
| Frequency | quarterly | quarterly |
| Market cap | $403.7B | $124.2B |
| P/E ratio | 13.3 | 11.1 |
Higher yield
BAC
2.22%
Safer dividend
BAC
Grade A
Faster growth
COF
21.1%
Better value
COF
+63% upside
BAC vs COF — FAQ
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