COF · Capital One Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $15.23B | - | $15.36B | $12.49B | $10.00B | - | $10.01B | $9.51B | $9.40B | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.51B | - | - | - | $812.00M | - | - | - | $806.00M | - |
| Operating Income | $2.70B | - | $4.38B | ($5.93B) | $1.73B | - | $2.22B | $651.00M | $1.58B | - |
| Interest Expense | - | - | - | - | - | - | - | - | $3.69B | - |
| Income Tax | $518.00M | - | $1.19B | ($1.67B) | $325.00M | - | $441.00M | $54.00M | $302.00M | - |
| Net Income | $2.17B | - | $3.19B | ($4.28B) | $1.40B | - | $1.78B | $597.00M | $1.28B | - |
| EPS - Basic | $3.34 | - | $4.83 | ($8.58) | $3.46 | - | $4.42 | $1.39 | $3.14 | - |
| EPS - Diluted | $3.34 | - | $4.83 | ($8.58) | $3.45 | - | $4.41 | $1.38 | $3.13 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $79.26B | $62.09B | $58.53B | $61.58B | $48.97B | $43.67B | $49.72B | $47.83B | $51.50B | $43.76B |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $682.90B | $669.01B | $661.88B | $658.97B | $493.60B | $490.14B | $486.43B | $480.02B | $481.72B | $478.46B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $570.64B | $555.39B | $548.06B | $548.01B | $430.06B | $429.36B | $423.51B | $422.04B | $423.92B | $420.38B |
| Stockholders' Equity | $112.26B | $113.62B | $113.81B | $110.96B | $63.54B | $60.78B | $62.92B | $57.98B | $57.80B | $58.09B |
| Retained Earnings | $66.79B | $65.19B | $63.62B | $60.89B | $65.62B | $64.50B | $63.70B | $62.21B | $61.91B | $60.95B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.02B | - | - | - | $4.67B | - | - | - | $3.01B | - |
| Investing Cash Flow | $26.00M | - | - | - | $845.00M | - | - | - | $1.68B | - |
| Financing Cash Flow | $11.11B | - | - | - | ($218.00M) | - | - | - | $3.06B | - |
| CapEx | $553.00M | - | - | - | $348.00M | - | - | - | $247.00M | - |
| Free Cash Flow | $5.47B | - | - | - | $4.32B | - | - | - | $2.76B | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 17.7% | - | 28.5% | -47.5% | 17.3% | - | 22.1% | 6.8% | 16.8% | - |
| EBITDA margin | 27.6% | - | - | - | 25.4% | - | - | - | 25.4% | - |
| Net margin | 14.3% | - | 20.8% | -34.2% | 14.0% | - | 17.7% | 6.3% | 13.6% | - |
| Free cash flow margin | 35.9% | - | - | - | 43.2% | - | - | - | 29.4% | - |
| FCF / Net income | 2.52 | - | - | - | 3.08 | - | - | - | 2.16 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 19.2% | - | 27.1% | - | 18.8% | - | 19.9% | 8.3% | 19.1% | - |
| Return on assets | 0.3% | - | 0.5% | -0.6% | 0.3% | - | 0.4% | 0.1% | 0.3% | - |
| Return on equity | 1.9% | - | 2.8% | -3.9% | 2.2% | - | 2.8% | 1.0% | 2.2% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.4x | - |
| Equity multiplier | 6.08 | 5.89 | 5.82 | 5.94 | 7.77 | 8.06 | 7.73 | 8.28 | 8.33 | 8.24 |
| Liabilities / Assets | 0.84 | 0.83 | 0.83 | 0.83 | 0.87 | 0.88 | 0.87 | 0.88 | 0.88 | 0.88 |
| Efficiency | ||||||||||
| Asset turnover | 0.02 | - | 0.02 | 0.02 | 0.02 | - | 0.02 | 0.02 | 0.02 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 54.6x | - | 44.0x | - | 52.0x | - | 34.0x | 100.3x | 47.6x | - |
| P / B | 1.0x | - | 1.2x | 1.0x | 1.1x | - | 0.9x | 0.9x | 1.0x | - |
| P / S | 7.5x | - | 8.9x | 8.6x | 6.9x | - | 5.7x | 5.6x | 6.1x | - |
| EV / EBITDA | 8.2x | - | - | - | 7.8x | - | - | - | 2.3x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 52.3% | - | 53.4% | 31.4% | 6.4% | - | 6.9% | 5.5% | 5.6% | - |
| Revenue CAGR (3y) | 19.6% | - | 20.4% | 14.9% | 7.0% | - | 8.5% | 8.8% | 9.7% | - |
| Revenue CAGR (5y) | 16.4% | - | 15.8% | 13.8% | 6.6% | - | 7.6% | 5.9% | 5.8% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 56.1% | - | 97.6% | - | 9.3% | - | -0.2% | -62.3% | 36.0% | - |
| Net income growth (YoY) | 54.8% | - | 79.6% | - | 9.7% | - | -0.7% | -58.3% | 33.3% | - |
| EPS growth (YoY) | -3.2% | - | 9.5% | - | 10.2% | - | -0.9% | -60.8% | 35.5% | - |
| EPS CAGR (3y) | 13.1% | - | 4.8% | - | -15.0% | - | -13.4% | -43.4% | -23.6% | - |
| EPS CAGR (5y) | -13.8% | - | -0.9% | - | - | - | 10.4% | -15.7% | 1.8% | - |
| FCF growth (YoY) | 26.6% | - | - | - | 56.3% | - | - | - | 0.2% | - |
| FCF CAGR (5y) | 30.3% | - | - | - | -3.8% | - | - | - | -10.1% | - |
| Book value growth (YoY) | 76.7% | 86.9% | 80.9% | 91.4% | 9.9% | 4.6% | 17.2% | 6.3% | 5.8% | 10.5% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$53.65B totalCredit Card Segment$39.56B · 73.7%
Consumer Banking Segment$10.43B · 19.4%
Commercial Banking Segment$3.65B · 6.8%
Product / service
$5.94B totalInterchange Fees Contracts$5.32B · 89.5%
Other Contract Revenue$543.00M · 9.1%
Service Charges And Other Customer Fees Contracts$81.00M · 1.4%
Peer comparison
Same SIC group: National Commercial Banks
Comparing CAPITAL ONE FINANCIAL CORP against the 5 most active filers in the same SIC group.
Dividends
$3.00/share trailing 12 months · +25.0% YoY
| Ex-date | Per share |
|---|---|
| May 19, 2026 | $0.8000 |
| Feb 19, 2026 | $0.8000 |
| Nov 17, 2025 | $0.8000 |
| Aug 15, 2025 | $0.6000 |
| May 23, 2025 | $0.6000 |
| Feb 18, 2025 | $0.6000 |
| Nov 14, 2024 | $0.6000 |
| Aug 12, 2024 | $0.6000 |
| May 10, 2024 | $0.6000 |
| Feb 9, 2024 | $0.6000 |
| Nov 10, 2023 | $0.6000 |
| Aug 4, 2023 | $0.6000 |
| May 12, 2023 | $0.6000 |
| Feb 3, 2023 | $0.6000 |
| Nov 10, 2022 | $0.6000 |
| Aug 5, 2022 | $0.6000 |
| May 13, 2022 | $0.6000 |
| Feb 11, 2022 | $0.6000 |
| Nov 12, 2021 | $0.6000 |
| Aug 6, 2021 | $1.2000 |
| May 14, 2021 | $0.4000 |
| Feb 16, 2021 | $0.4000 |
| Nov 6, 2020 | $0.1000 |
| Aug 7, 2020 | $0.1000 |