insiderdelta
CoverageForm 410-K10-Q8-K13D13G13F

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.

Price · COF

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Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue$53.43B$39.11B$36.79B$34.25B$30.43B$28.52B
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$5.26B$3.24B$3.23B$3.21B$3.48B$3.50B
Operating Income$2.28B$5.91B$6.04B$9.24B$15.81B$3.20B
Interest Expense--$12.70B$4.12B$1.60B$3.12B
Income Tax$193.00M$1.16B$1.16B$1.88B$3.42B$486.00M
Net Income$2.45B$4.75B$4.89B$7.36B$12.39B$2.71B
EPS - Basic$4.03$11.61$11.98$17.98$27.04$5.19
EPS - Diluted$4.03$11.59$11.95$17.91$26.94$5.18

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$62.09B$43.67B$43.76B$31.26B$22.05B$40.77B
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$669.01B$490.14B$478.46B$455.25B$432.38B$421.60B
Current Liabilities------
Long-term Debt------
Total Liabilities$555.39B$429.36B$420.38B$402.67B$371.35B$361.40B
Stockholders' Equity$113.62B$60.78B$58.09B$52.58B$61.03B$60.20B
Retained Earnings$65.19B$64.50B$60.95B$57.18B$51.01B$40.09B

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$27.72B$18.16B$20.57B$13.81B$12.31B$16.70B
Investing Cash Flow($444.00M)($26.41B)($21.92B)($29.74B)($31.50B)($14.84B)
Financing Cash Flow($8.85B)$8.17B$13.84B$25.13B$474.00M$25.16B
CapEx$1.58B$1.20B$961.00M$934.00M$698.00M$710.00M
Free Cash Flow$26.14B$16.95B$19.61B$12.88B$11.61B$15.99B

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin4.3%15.1%16.4%27.0%51.9%11.2%
EBITDA margin14.1%23.4%25.2%36.4%63.4%23.5%
Net margin4.6%12.1%13.3%21.5%40.7%9.5%
Free cash flow margin48.9%43.3%53.3%37.6%38.2%56.1%
FCF / Net income10.663.574.011.750.945.89
R&D / Revenue------
SG&A / Revenue------
Effective tax rate7.3%19.7%19.2%20.3%21.6%15.2%
Return on assets0.4%1.0%1.0%1.6%2.9%0.6%
Return on equity2.2%7.8%8.4%14.0%20.3%4.5%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage--0.5x2.2x9.9x1.0x
Equity multiplier5.898.068.248.667.087.00
Liabilities / Assets0.830.880.880.880.860.86
Efficiency
Asset turnover0.080.080.080.080.070.07
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E60.1x15.4x11.0x5.2x5.4x19.1x
P / B1.2x1.1x0.9x0.7x1.1x0.8x
P / S2.5x1.7x1.4x1.1x2.1x1.6x
EV / EBITDA9.2x2.7x0.7x0.4x2.2x0.7x
Growth
Revenue growth (YoY)36.6%6.3%7.4%12.5%6.7%-0.2%
Revenue CAGR (3y)16.0%8.7%8.9%6.2%2.7%1.5%
Revenue CAGR (5y)13.4%6.5%5.6%4.7%-4.0%
Gross profit growth (YoY)------
Operating income growth (YoY)-61.4%-2.2%-34.6%-41.6%393.6%-53.4%
Net income growth (YoY)-48.4%-2.8%-33.6%-40.6%356.5%-51.1%
EPS growth (YoY)-65.2%-3.0%-33.3%-33.5%420.1%-53.1%
EPS CAGR (3y)-39.2%-24.5%32.1%17.5%31.6%14.1%
EPS CAGR (5y)-4.9%1.0%0.2%38.7%--6.0%
FCF growth (YoY)54.2%-13.6%52.3%10.9%-27.4%1.5%
FCF CAGR (5y)10.3%1.5%10.1%-0.4%-10.8%
Book value growth (YoY)86.9%4.6%10.5%-13.8%1.4%3.8%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$53.65B total
Credit Card Segment$39.56B · 73.7%
Consumer Banking Segment$10.43B · 19.4%
Commercial Banking Segment$3.65B · 6.8%

Product / service

$5.94B total
Interchange Fees Contracts$5.32B · 89.5%
Other Contract Revenue$543.00M · 9.1%
Service Charges And Other Customer Fees Contracts$81.00M · 1.4%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

4/9
Neutral
  • ✓Net income positive
  • ✓Operating cash flow positive
  • ✗ROA improved YoY
  • ✓Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • ✗No share dilution
  • -Gross margin improved
  • ✓Asset turnover improved

Peer comparison

Same SIC group: National Commercial Banks

CompanyRevenue (last FY)Net marginROE
HBAN---
UMBF--9.1%
ZION$662.00M135.8%12.5%
JPM$182.45B31.3%15.7%
SFNC$5.63M-7060.1%-11.6%

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-datePer 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