Capital One Financial Corp (COF)
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, time deposits, and sweep accounts. Its loan products include credit card and personal loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; bank lending; and provides advisory, capital markets, net interchange, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
- Symbol
- COF
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Credit Services
- Market cap
- $119.46B
- 52 week range
- 174.24 - 259.64
Valuation
- Share price
- $194.72 (close of 2026-10-02)
- P/E (TTM)
- 11.31x
- Price to book
- 1.05x
- Price to free cash flow
- 4.02x
- Enterprise value
- $108.25B
- Book value per share
- $185.49
Price performance
| Period | Change |
|---|---|
| 1 day | +0.12% |
| 5 days | -2.74% |
| 1 month | -10.10% |
| 3 months | -5.07% |
| 6 months | +7.04% |
| Year to date | -19.66% |
| 1 year | -8.92% |
| 3 years | +104.71% |
| 5 years | +16.92% |
| 10 years | +171.08% |
| All time | +3553.28% |
Members of Congress who disclosed COF trades
Julie Johnson · Markwayne Mullin · Gilbert Ray Cisneros · Val Hoyle · Alan Armstrong
Super investors holding COF
Bill Nygren (Harris Associates LP) · Dodge & Cox (Dodge & Cox Funds) · Christopher Davis (Davis Selected Advisers) · Richard Pzena (Pzena Investment Management) · Warren Buffett (Berkshire Hathaway) · Ken Griffin (Citadel) · Ruane Cunniff (Ruane, Cunniff & Goldfarb L.P.) · Lee Ainslie (Maverick Capital LTD) · Glenn Greenberg (Brave Warrior Advisors, LLC) · Dan Loeb (Third Point LLC) · Andreas Halvorsen (Viking Global Investors) · George Soros (Soros Fund Mgmt)
Profitability and growth
- Return on equity
- 2.16%
- Return on assets
- 0.37%
- Net margin
- 30.43%
- EBITDA margin
- 294.27%
- Revenue growth
- 36.30%
- Net income growth
- -48.36%
- Free cash flow growth
- 54.17%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 24.86%
- Net debt to EBITDA
- -0.36x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $8.06B
- EBITDA
- $23.72B
- Net income
- $2.45B
- Earnings per share
- $4.03
- Interest expense
- $15.82B
- Shares outstanding
- 540.70M
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| 2025-12-31 | $8.06B | $2.45B | $4.03 |
| 2024-12-31 | $5.92B | $4.75B | $11.61 |
| 2023-12-31 | $5.64B | $4.89B | $11.98 |
| 2022-12-31 | $5.42B | $7.36B | $17.98 |
| 2021-12-31 | $4.78B | $12.39B | $27.04 |
| 2020-12-31 | $3.74B | $2.71B | $5.19 |
| 2019-12-31 | $3.82B | $5.55B | $11.10 |
| 2018-12-31 | $3.43B | $6.01B | $11.90 |
| 2017-12-31 | $27.24B | $1.98B | $3.52 |
| 2016-12-31 | $25.50B | $3.75B | $6.96 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|---|---|
| 2025-12-31 | 30.43% | 2.16% |
| 2024-12-31 | 80.30% | 7.81% |
| 2023-12-31 | 86.57% | 8.41% |
| 2022-12-31 | 135.87% | 14.00% |
| 2021-12-31 | 259.21% | 20.30% |
| 2020-12-31 | 72.63% | 4.51% |
| 2019-12-31 | 145.18% | 9.56% |
| 2018-12-31 | 175.31% | 11.64% |
| 2017-12-31 | 7.28% | 4.07% |
| 2016-12-31 | 14.71% | 7.89% |
Cash and debt by year
| Period end | Cash |
|---|---|
| 2025-12-31 | $62.09B |
| 2024-12-31 | $43.67B |
| 2023-12-31 | $43.76B |
| 2022-12-31 | $31.26B |
| 2021-12-31 | $22.05B |
| 2020-12-31 | $40.77B |
| 2019-12-31 | $13.75B |
| 2018-12-31 | $13.49B |
| 2017-12-31 | $14.35B |
| 2016-12-31 | $12.49B |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|---|---|
| 2025-12-31 | $26.14B | $776.00M |
| 2024-12-31 | $16.95B | $569.00M |
| 2023-12-31 | $19.61B | $513.00M |
| 2022-12-31 | $12.88B | $314.00M |
| 2021-12-31 | $11.61B | $331.00M |
| 2020-12-31 | $15.99B | $203.00M |
| 2019-12-31 | $15.75B | $239.00M |
| 2018-12-31 | $12.10B | $170.00M |
| 2017-12-31 | $13.16B | $244.00M |
| 2016-12-31 | $11.08B | $239.00M |
Dividend history
- Most recent payment
- 2026-08-17
- Paid in the last twelve months
- $3.20
| Payment date | Dividend per share |
|---|---|
| 2026-08-17 | $0.80 |
| 2026-05-19 | $0.80 |
| 2026-02-19 | $0.80 |
| 2025-11-17 | $0.80 |
| 2025-08-15 | $0.60 |
| 2025-05-23 | $0.60 |
| 2025-02-18 | $0.60 |
| 2024-11-14 | $0.60 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-10-20
- Consensus EPS estimate
- $5.43
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-07-21 | Jun/2026 | $4.85 |
| 2026-04-21 | Mar/2026 | $4.61 |
| 2026-01-22 | Dec/2025 | $4.12 |
| 2025-10-21 | Sep/2025 | $4.20 |
| 2025-07-22 | Jun/2025 | $3.83 |
| 2025-07-21 | - | - |
| 2025-04-23 | - | - |
| 2025-04-22 | Mar/2025 | $3.66 |
Filings and sources
- Company website
- capitalone.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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