What is Capital One Financial's earnings per share (EPS)?

Capital One Financial (COF) reported diluted earnings per share of $4.03 for fiscal year 2025. This represents a -65.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Capital One Financial (COF) Financials

COF

Trailing 12 months to June 30, 2026

Revenue $62.0B +45.3% YoY

Net Income $10.5B YoY not available

EPS (Diluted) $16.70 YoY not available

Free Cash Flow $29.7B +63.0% YoY

Market Cap $123.8B as of Oct 17, 2026

Price / Sales 2.0x on $62.0B revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.8x on $10.5B net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $113.8B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 17, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 28, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 28, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the COF SEC filings page.

Capital One Financial (COF) reported $62.0B in revenue over the twelve months to Jun 30, 2026, up 45.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI COF FY2025 2026-10-03

Capital One’s 2025 expansion enlarged its balance sheet, but profitability weakened even as reported cash flow increased.

The key disconnect is earnings quality: operating cash flow reached $27.7B while net income was $2.5B. Free cash flow was $26.1B, so reported cash movement is not a clean proxy for recurring profit; the much larger balance sheet makes that distinction especially important.

Revenue rose 36.6% from FY2024, yet net profit margin fell to 4.6% in FY2025. ROA also fell from 1.0% to 0.4%, showing the enlarged asset base generated less profit per dollar.

Total assets expanded 36.5% to $669B. Equity rose 87.0% to $113.6B. Debt-to-equity fell to 0.4x from 0.7x, indicating a less debt-dependent reported capital structure.

Financial Health Signals

Financial health score not available

Capital One Financial does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/7

Capital One Financial passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

11.30x

For every $1 of reported earnings, Capital One Financial generates $11.30 in operating cash flow ($27.7B OCF vs $2.5B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$15.8B

YoY+26.9%

QoQ+4.1%

5Y CAGR+16.5%

10Y CAGR+9.7%

Capital One Financial generated $15.8B in revenue in Q2 2026. This represents an increase of 26.9% from the same quarter a year earlier. Against the prior quarter it is up 4.1%.

Net Income

$3.0B

YoY+170.6%

QoQ+38.9%

5Y CAGR-3.1%

10Y CAGR+12.4%

Capital One Financial reported $3.0B in net income in Q2 2026. This represents an increase of 170.6% from the same quarter a year earlier. Against the prior quarter it is up 38.9%.

EPS (Diluted)

$4.73

YoY+155.1%

QoQ+41.6%

5Y CAGR-9.1%

10Y CAGR+10.8%

Capital One Financial earned $4.73 per diluted share (EPS) in Q2 2026. This represents an increase of 155.1% from the same quarter a year earlier. Against the prior quarter it is up 41.6%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$8.1B

YoY+42.5%

QoQ+47.7%

5Y CAGR+15.7%

10Y CAGR+13.5%

Capital One Financial generated $8.1B in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 42.5% from the same quarter a year earlier. Against the prior quarter it is up 47.7%.

Cash & Debt

$55.9B

YoY-9.3%

QoQ-29.5%

5Y CAGR+9.8%

Capital One Financial held $55.9B in cash against $44.7B in long-term debt as of Q2 2026.

Dividends Per Share

$0.80

YoY+33.3%

QoQ0.0%

5Y CAGR+14.9%

10Y CAGR+7.2%

Capital One Financial paid $0.80 per share in dividends in Q2 2026. This represents an increase of 33.3% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

613M

YoY-4.1%

QoQ-1.4%

5Y CAGR+6.6%

10Y CAGR+1.9%

Capital One Financial had 613M shares outstanding in Q2 2026. This represents a decrease of 4.1% from the same quarter a year earlier. Against the prior quarter it is down 1.4%.

Margins & Returns

Net Margin

19.1%

YoY+53.3pp

QoQ+4.8pp

5Y change-28.9pp

10Y change+4.0pp

Capital One Financial's net profit margin was 19.1% in Q2 2026, showing the share of revenue converted to profit. This is up 53.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.8 percentage points.

Return on Equity

2.6%

YoY+6.5pp

QoQ+0.7pp

5Y change-2.8pp

10Y change+0.7pp

Capital One Financial's ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 6.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$2.7B

YoY+1544.9%

QoQ-1.6%

5Y CAGR+10.5%

10Y CAGR+15.9%

Capital One Financial spent $2.7B on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1544.9% from the same quarter a year earlier. Against the prior quarter it is down 1.6%.

Capital Expenditures

$367.0M

YoY-8.0%

QoQ-33.6%

5Y CAGR+17.6%

10Y CAGR+6.8%

Capital One Financial invested $367.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 8.0% from the same quarter a year earlier. Against the prior quarter it is down 33.6%.

R&D Spending

Not reported for Q2 2026.

COF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

COF quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$62.0B	$53.4B+36.6%	$39.1B+6.3%	$36.8B+7.4%	$34.3B+12.5%	$30.4B+6.7%	$28.5B-0.2%	$28.6B+1.8%	$28.1B+3.1%	$27.2B+6.8%	$25.5B+8.9%	$23.4B+5.0%	$22.3B-0.4%	$22.4B+4.6%	$21.4B+31.4%	$16.3B
SG&A Expenses	$14.4B	$12.5B+32.7%	$9.4B+1.0%	$9.3B+10.4%	$8.4B+13.5%	$7.4B+9.1%	$6.8B+6.5%	$6.4B+11.5%	$5.7B-2.9%	$5.9B+13.4%	$5.2B+4.6%	$5.0B+8.3%	$4.6B+2.5%	$4.5B+12.3%	$4.0B+32.0%	$3.0B
Interest Expense	$16.7B	$15.8B+6.7%	$14.8B+16.8%	$12.7B+208.0%	$4.1B+158.0%	$1.6B-48.8%	$3.1B-39.7%	$5.2B+20.3%	$4.3B+55.7%	$2.8B+36.9%	$2.0B+24.2%	$1.6B+2.9%	$1.6B-11.9%	$1.8B-24.5%	$2.4B+5.7%	$2.2B
Income Tax	$2.9B	$193.0M-83.4%	$1.2B+0.4%	$1.2B-38.4%	$1.9B-44.9%	$3.4B+602.7%	$486.0M-63.8%	$1.3B+3.7%	$1.3B-61.7%	$3.4B+96.9%	$1.7B-8.3%	$1.9B-12.9%	$2.1B-3.5%	$2.2B+50.8%	$1.5B+10.6%	$1.3B
Net Income	$10.5B	$2.5B-48.4%	$4.8B-2.8%	$4.9B-33.6%	$7.4B-40.6%	$12.4B+356.5%	$2.7B-51.1%	$5.5B-7.8%	$6.0B+203.5%	$2.0B-47.2%	$3.8B-7.4%	$4.0B-8.5%	$4.4B+7.4%	$4.1B+18.0%	$3.5B+11.0%	$3.1B
EPS (Basic)	N/A	$4.03-65.3%	$11.61-3.1%	$11.98-33.4%	$17.98-33.5%	$27.04+421.0%	$5.19-53.2%	$11.10-6.7%	$11.90+238.1%	$3.52-49.4%	$6.96-2.7%	$7.15-7.3%	$7.71+10.3%	$6.99+13.3%	$6.17-9.9%	$6.85
EPS (Diluted)	$16.70	$4.03-65.2%	$11.59-3.0%	$11.95-33.3%	$17.91-33.5%	$26.94+420.1%	$5.18-53.1%	$11.05-6.5%	$11.82+238.7%	$3.49-49.3%	$6.89-2.5%	$7.07-6.9%	$7.59+10.2%	$6.89+12.8%	$6.11-10.1%	$6.80
Diluted Shares (Avg)	N/A	541M+41.1%	384M+0.1%	383M-2.5%	393M-11.5%	444M-3.2%	459M-2.3%	470M-2.7%	483M-1.1%	489M-4.2%	510M-7.0%	548M-4.2%	572M-2.7%	588M+3.7%	567M+23.4%	459M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$15.8B+26.9%	$15.2B+52.3%	$15.6B+52.9%	$15.4B+53.4%	$12.5B+31.4%	$10.0B+6.4%	$10.2B+7.2%	$10.0B+6.9%
SG&A Expenses	$3.8B+25.7%	$3.7B+44.2%	$3.4B+47.3%	$3.5B+46.2%	$3.0B+36.3%	$2.5B+2.7%	$2.3B+2.0%	$2.4B+5.1%
Interest Expense	$4.0B+4.6%	$4.1B+20.0%	$4.2B+16.6%	$4.4B+15.2%	$3.8B+2.7%	$3.4B-7.7%	$3.6B-0.2%	$3.8B+9.7%
Income Tax	$798.0M+147.9%	$518.0M+59.4%	$345.0M-5.7%	$1.2B+169.6%	-$1.7B-3185.2%	$325.0M+7.6%	$366.0M+61.9%	$441.0M+2.1%
Net Income	$3.0B+170.6%	$2.2B+54.8%	$2.1B+94.7%	$3.2B+79.6%	-$4.3B-816.4%	$1.4B+9.7%	$1.1B+55.2%	$1.8B-0.7%
EPS (Basic)	$4.73+155.1%	$3.34-3.5%	$3.80+42.3%	$4.83+9.3%	-$8.58-717.3%	$3.46+10.2%	$2.67+59.9%	$4.42-0.9%
EPS (Diluted)	$4.73+155.1%	$3.34	$3.80+42.3%	$4.83	-$8.58-721.7%	$3.45+10.2%	$2.67+59.9%	$4.41-0.9%
Diluted Shares (Avg)	621M+22.8%	623M	N/A	640M	506M+31.7%	384M+0.2%	N/A	384M+0.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

COF Balance Sheet

COF quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$669.0B+36.5%	$490.1B+2.4%	$478.5B+5.1%	$455.2B+5.3%	$432.4B+2.6%	$421.6B+8.0%	$390.4B+4.8%	$372.5B+1.9%	$365.7B+2.4%	$357.0B+6.9%	$334.0B+8.4%	$308.2B+3.8%	$296.9B-5.1%	$312.9B+51.9%	$206.0B
Cash & Equivalents	$62.1B+42.2%	$43.7B-0.2%	$43.8B+40.0%	$31.3B+41.7%	$22.1B-45.9%	$40.8B+196.5%	$13.7B+1.9%	$13.5B-6.0%	$14.4B+14.9%	$12.5B+38.2%	$9.0B+20.9%	$7.5B	N/A	N/A	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A
Goodwill	$28.5B+89.3%	$15.1B0.0%	$15.1B+1.9%	$14.8B0.0%	$14.8B+0.9%	$14.7B0.0%	$14.7B+0.7%	$14.5B+0.1%	$14.5B+0.1%	$14.5B+0.3%	$14.5B+3.6%	$14.0B0.0%	$14.0B+0.5%	$13.9B+2.3%	$13.6B
Total Liabilities	$555.4B+29.4%	$429.4B+2.1%	$420.4B+4.4%	$402.7B+8.4%	$371.4B+2.8%	$361.4B+8.7%	$332.4B+3.6%	$320.9B+1.2%	$317.0B+2.4%	$309.5B+7.9%	$286.8B+9.0%	$263.1B+3.1%	$255.3B-6.3%	$272.4B+54.5%	$176.4B
Long-Term Debt	$49.9B+10.9%	$45.0B-8.8%	$49.3B+3.1%	$47.8B+13.2%	$42.3B+6.0%	$39.9B-17.6%	$48.4B-2.3%	$49.5B-17.1%	$59.7B+0.4%	$59.5B+2.3%	$58.1B+85.3%	$31.4B+28.4%	$24.4B-15.0%	$28.8B-10.8%	$32.3B
Total Equity	$113.6B+86.9%	$60.8B+4.6%	$58.1B+10.5%	$52.6B-13.8%	$61.0B+1.4%	$60.2B+3.8%	$58.0B+12.3%	$51.7B+6.0%	$48.7B+2.6%	$47.5B+0.5%	$47.3B+5.0%	$45.1B+8.2%	$41.6B+3.0%	$40.4B+36.5%	$29.6B
Retained Earnings	$65.2B+1.1%	$64.5B+5.8%	$60.9B+6.6%	$57.2B+12.1%	$51.0B+27.2%	$40.1B-0.6%	$40.3B+12.4%	$35.9B+16.9%	$30.7B+3.1%	$29.8B+10.1%	$27.0B+12.8%	$24.0B+18.1%	$20.3B+20.4%	$16.9B+25.2%	$13.5B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$673.8B+2.3%	$682.9B+38.4%	$669.0B+36.5%	$661.9B+36.1%	$659.0B+37.3%	$493.6B+2.5%	$490.1B+2.4%	$486.4B+3.2%
Cash & Equivalents	$55.9B-9.3%	$79.3B+61.9%	$62.1B+42.2%	$58.5B+17.7%	$61.6B+28.7%	$49.0B-4.9%	$43.7B-0.2%	$49.7B+9.7%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$31.9B+12.5%	$28.5B+89.1%	$28.5B+89.3%	$28.9B+91.4%	$28.3B+88.1%	$15.1B+0.1%	$15.1B0.0%	$15.1B+0.2%
Total Liabilities	$560.0B+2.2%	$570.6B+32.7%	$555.4B+29.4%	$548.1B+29.4%	$548.0B+29.8%	$430.1B+1.4%	$429.4B+2.1%	$423.5B+1.4%
Long-Term Debt	$44.7B-14.0%	$50.3B+22.0%	$49.9B+10.9%	$50.9B+4.2%	$51.9B+9.9%	$41.2B-17.3%	$45.0B-8.8%	$48.8B+0.2%
Total Equity	$113.8B+2.6%	$112.3B+76.7%	$113.6B+86.9%	$113.8B+80.9%	$111.0B+91.4%	$63.5B+9.9%	$60.8B+4.6%	$62.9B+17.2%
Retained Earnings	$69.3B+13.7%	$66.8B+1.8%	$65.2B+1.1%	$63.6B-0.1%	$60.9B-2.1%	$65.6B+6.0%	$64.5B+5.8%	$63.7B+5.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

COF Cash Flow Statement

COF quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$31.5B	$27.7B+52.6%	$18.2B-11.7%	$20.6B+49.0%	$13.8B+12.2%	$12.3B-26.3%	$16.7B+0.4%	$16.6B+28.2%	$13.0B-8.5%	$14.2B+19.6%	$11.9B+17.1%	$10.1B+8.8%	$9.3B-6.8%	$10.0B+4.8%	$9.5B+27.8%	$7.5B
Depreciation & Amortization	N/A	$5.3B+62.5%	$3.2B+0.3%	$3.2B+0.5%	$3.2B-7.8%	$3.5B-0.6%	$3.5B+4.9%	$3.3B+39.4%	$2.4B-1.8%	$2.4B+0.5%	$2.4B+15.6%	$2.1B+4.9%	$2.0B+250.6%	$571.0M+22.0%	$468.0M+47.6%	$317.0M
Stock-Based Compensation	N/A	$776.0M+36.4%	$569.0M+10.9%	$513.0M+63.4%	$314.0M-5.1%	$331.0M+63.1%	$203.0M-15.1%	$239.0M+40.6%	$170.0M-30.3%	$244.0M+2.1%	$239.0M+48.4%	$161.0M-21.5%	$205.0M-14.6%	$240.0M+20.6%	$199.0M+5.3%	$189.0M
Capital Expenditures	$1.8B	$1.6B+31.1%	$1.2B+25.3%	$961.0M+2.9%	$934.0M+33.8%	$698.0M-1.7%	$710.0M-20.0%	$887.0M+1.5%	$874.0M-14.1%	$1.0B+30.7%	$779.0M+46.4%	$532.0M+6.0%	$502.0M-38.6%	$818.0M+46.1%	$560.0M+77.8%	$315.0M
Free Cash Flow	$29.7B	$26.1B+54.2%	$17.0B-13.6%	$19.6B+52.3%	$12.9B+10.9%	$11.6B-27.4%	$16.0B+1.5%	$15.8B+30.1%	$12.1B-8.1%	$13.2B+18.8%	$11.1B+15.4%	$9.6B+9.0%	$8.8B-4.0%	$9.2B+2.3%	$9.0B+25.5%	$7.1B
Investing Cash Flow	-$34.2B	-$444.0M+98.3%	-$26.4B-20.5%	-$21.9B+26.3%	-$29.7B+5.6%	-$31.5B-112.3%	-$14.8B+35.5%	-$23.0B-47.3%	-$15.6B-0.5%	-$15.5B+39.4%	-$25.6B+13.8%	-$29.7B-85.9%	-$16.0B-529.8%	$3.7B+119.8%	-$18.8B-68.4%	-$11.2B
Financing Cash Flow	-$2.9B	-$8.9B-208.4%	$8.2B-41.0%	$13.8B-44.9%	$25.1B+5201.9%	$474.0M-98.1%	$25.2B+280.2%	$6.6B+272.5%	$1.8B-44.8%	$3.2B-81.3%	$17.2B-18.6%	$21.2B+177.1%	$7.6B+141.3%	-$18.5B-227.3%	$14.5B+236.8%	$4.3B
Dividends Paid	$1.9B	$1.5B+62.7%	$932.0M+0.1%	$931.0M-2.0%	$950.0M-17.2%	$1.1B+149.6%	$460.0M-38.9%	$753.0M-2.6%	$773.0M-0.9%	$780.0M-3.9%	$812.0M-0.5%	$816.0M+20.2%	$679.0M+22.3%	$555.0M+400.0%	$111.0M+22.0%	$91.0M
Share Buybacks	$9.1B	$4.1B+458.4%	$734.0M+2.2%	$718.0M-85.5%	$4.9B-34.9%	$7.6B+1835.1%	$393.0M-73.5%	$1.5B-35.2%	$2.3B+851.7%	$240.0M-93.4%	$3.7B+50.0%	$2.4B+19.4%	$2.0B+98.0%	$1.0B+2302.3%	$43.0M+2.4%	$42.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$8.4B+39.2%	$6.0B+29.1%	$7.8B+219.9%	$9.2B+41.7%	$6.1B-2.8%	$4.7B+55.0%	$2.4B-65.5%	$6.5B-9.4%
Depreciation & Amortization	$1.6B+56.8%	$1.5B+86.0%	$1.6B+97.2%	$1.8B+127.3%	$1.0B+24.7%	$812.0M+0.7%	$814.0M+2.0%	$806.0M-5.4%
Stock-Based Compensation	N/A	$131.0M-26.0%	N/A	N/A	N/A	$177.0M-8.3%	N/A	N/A
Capital Expenditures	$367.0M-8.0%	$553.0M+58.9%	$444.0M+24.7%	$387.0M+24.0%	$399.0M+38.1%	$348.0M+40.9%	$356.0M+36.4%	$312.0M+20.5%
Free Cash Flow	$8.1B+42.5%	$5.5B+26.6%	$7.4B+253.1%	$8.8B+42.6%	$5.7B-4.8%	$4.3B+56.3%	$2.1B-69.4%	$6.1B-10.5%
Investing Cash Flow	-$16.5B-200.1%	$26.0M-96.9%	-$7.8B+45.2%	-$10.0B-57.9%	$16.5B+318.7%	$845.0M-49.6%	-$14.2B-47.0%	-$6.3B-24.3%
Financing Cash Flow	-$15.3B-54.4%	$11.1B+5198.2%	$3.5B-38.4%	-$2.3B-229.8%	-$9.9B-316.3%	-$218.0M-107.1%	$5.8B+452.6%	$1.7B+44.9%
Dividends Paid	$500.0M+28.9%	$502.0M+114.5%	$508.0M+119.0%	$386.0M+65.7%	$388.0M+67.2%	$234.0M-0.4%	$232.0M-0.4%	$233.0M+0.4%
Share Buybacks	$2.7B+1544.9%	$2.8B+644.8%	$2.5B+1465.2%	$1.0B+544.1%	$167.0M+2.5%	$375.0M+50.6%	$161.0M+1.9%	$161.0M+2.5%

COF Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

COF quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	4.6%-7.5pp	12.1%-1.1pp	13.3%-8.2pp	21.5%-19.2pp	40.7%+31.2pp	9.5%-9.9pp	19.4%-2.0pp	21.4%+14.1pp	7.3%-7.4pp	14.7%-2.6pp	17.3%-2.6pp	19.9%+1.5pp	18.4%+2.1pp	16.3%-3.0pp	19.3%
Return on Equity	2.2%-5.7pp	7.8%-0.6pp	8.4%-5.6pp	14.0%-6.3pp	20.3%+15.8pp	4.5%-5.1pp	9.6%-2.1pp	11.6%+7.6pp	4.1%-3.8pp	7.9%-0.7pp	8.6%-1.3pp	9.8%-0.1pp	9.9%+1.3pp	8.6%-2.0pp	10.6%
Return on Assets	0.4%-0.6pp	1.0%-0.1pp	1.0%-0.6pp	1.6%-1.3pp	2.9%+2.2pp	0.6%-0.8pp	1.4%-0.2pp	1.6%+1.1pp	0.5%-0.5pp	1.1%-0.2pp	1.2%-0.2pp	1.4%+0.1pp	1.4%+0.3pp	1.1%-0.4pp	1.5%
Debt-to-Equity	0.44-0.3x	0.74-0.1x	0.85-0.1x	0.91+0.2x	0.690.0x	0.66-0.2x	0.83-0.1x	0.96-0.3x	1.230.0x	1.250.0x	1.23+0.5x	0.70+0.1x	0.59-0.1x	0.71-0.4x	1.09
Asset Turnover	0.080.0x	0.080.0x	0.080.0x	0.080.0x	0.070.0x	0.070.0x	0.070.0x	0.080.0x	0.070.0x	0.070.0x	0.070.0x	0.070.0x	0.080.0x	0.070.0x	0.08
FCF Margin	48.9%+5.6pp	43.4%-10.0pp	53.3%+15.7pp	37.6%-0.6pp	38.1%-17.9pp	56.1%+1.0pp	55.1%+12.0pp	43.1%-5.2pp	48.3%+4.9pp	43.4%+2.5pp	41.0%+1.5pp	39.5%-1.5pp	40.9%-1.0pp	41.9%-2.0pp	43.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	19.1%+53.3pp	14.3%+0.2pp	13.7%+2.9pp	20.8%+3.0pp	-34.2%-40.5pp	14.0%+0.4pp	10.8%+3.3pp	17.8%-1.4pp
Return on Equity	2.6%+6.5pp	1.9%-0.3pp	1.9%+0.1pp	2.8%0.0pp	-3.9%-4.9pp	2.2%0.0pp	1.8%+0.6pp	2.8%-0.5pp
Return on Assets	0.4%+1.1pp	0.3%0.0pp	0.3%+0.1pp	0.5%+0.1pp	-0.7%-0.8pp	0.3%0.0pp	0.2%+0.1pp	0.4%0.0pp
Debt-to-Equity	0.39-0.1x	0.45-0.2x	0.44-0.3x	0.45-0.3x	0.47-0.3x	0.65-0.2x	0.74-0.1x	0.78-0.1x
Asset Turnover	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x
FCF Margin	51.0%+5.6pp	35.9%-7.3pp	47.4%+26.9pp	57.1%-4.3pp	45.4%-17.3pp	43.2%+13.8pp	20.5%-51.4pp	61.4%-12.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Capital One Financial COF	FY2025	$53.4B	$2.5B	4.6%	$123.8B	—
PayPal Holdings, Inc. PYPL	FY2025	$33.2B	$5.2B	15.8%	$48.5B	68/100
SoFi Technologies, Inc. SOFI	FY2025	$3.6B	$481.3M	13.3%	$18.8B	18/100
American Express Company AXP	FY2025	$72.2B	$10.8B	15.0%	$211.8B	31/100
SYNCHRONY FINANCIAL SYF	FY2025	$19.0B	$3.6B	18.7%	$24.0B	16/100
Ally Financial Inc. ALLY	FY2025	$7.9B	$852.0M	10.8%	$11.5B	12/100

Where Capital One Financial Ranks

Frequently Asked Questions

What is Capital One Financial's annual revenue?

Capital One Financial (COF) reported $53.4B in total revenue for fiscal year 2025. This represents a 36.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Capital One Financial's revenue growing?

Capital One Financial (COF) revenue grew by 36.6% year-over-year, from $39.1B to $53.4B in fiscal year 2025.

Is Capital One Financial profitable?

Yes, Capital One Financial (COF) reported a net income of $2.5B in fiscal year 2025, with a net profit margin of 4.6%.

How much debt does Capital One Financial have?

As of fiscal year 2025, Capital One Financial (COF) had $62.1B in cash and equivalents against $49.9B in long-term debt.

What is Capital One Financial's net profit margin?

Capital One Financial (COF) had a net profit margin of 4.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Capital One Financial's return on equity (ROE)?

Capital One Financial (COF) has a return on equity of 2.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Capital One Financial's free cash flow?

Capital One Financial (COF) generated $26.1B in free cash flow during fiscal year 2025. This represents a 54.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Capital One Financial's operating cash flow?

Capital One Financial (COF) generated $27.7B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Capital One Financial's total assets?

Capital One Financial (COF) had $669.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Capital One Financial's capital expenditures?

Capital One Financial (COF) invested $1.6B in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Capital One Financial buy back shares?

Yes, Capital One Financial (COF) spent $4.1B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Capital One Financial have outstanding?

Capital One Financial (COF) had 622M shares outstanding as of fiscal year 2025.

What is Capital One Financial's debt-to-equity ratio?

Capital One Financial (COF) had a debt-to-equity ratio of 0.44 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Capital One Financial's return on assets (ROA)?

Capital One Financial (COF) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Capital One Financial's P/E ratio?

Capital One Financial (COF) trades at 11.8x earnings, its market capitalization divided by net income of $10.5B net income, trailing 12 months to June 30, 2026. The market capitalization is $123.8B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Capital One Financial's price-to-sales ratio?

Capital One Financial (COF) trades at 2.0x sales, its market capitalization divided by revenue of $62.0B revenue, trailing 12 months to June 30, 2026. The market capitalization is $123.8B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Capital One Financial's Piotroski F-Score?

Capital One Financial (COF) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Capital One Financial's earnings high quality?

Capital One Financial (COF) has an earnings quality ratio of 11.30x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.