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COF CAPITAL ONE FINANCIAL CORP

NYSEFinancialsNational Commercial BanksMclean, VAFY ends December 31

Profitable 5/5: Fiscal years with net income above zero, out of the last five reported.FY2025 10-K filed Feb 19, 2026

FY2025 at a glance

Fundamentals from SEC filings, not quotes
Revenue
$53.4BYoYup 36.62%ended Dec 31, 2025
Net income
$2.45B4.6% margin
Diluted EPS
$4.03YoYdown 65.23%
Free cash flow
$26.1B48.9% margin
Cash
$62.1B
Total debt
—Not meaningful for financial companies
About CAPITAL ONE FINANCIAL CORP

Overview

CAPITAL ONE FINANCIAL CORP (COF) is listed on NYSE; the SEC classifies it under "National Commercial Banks".

For fiscal 2025 (ended Dec 31, 2025) it reported revenue of $53.43B, up 36.6% from fiscal 2024.

Net income was $2.45B, a net margin of 4.6%.

At fiscal year end it had total assets of $669.01B and stockholders' equity of $113.62B (17.0% of assets).

Financial company (SIC 6000–6799): gross margin, current ratio, debt figures, interest coverage, the F-Score and Z'' are not meaningful for bank and insurer balance sheets, so they are left blank.

Fiscal years shown
FY2016–FY2025 (10 years)
Latest 10-K
Feb 19, 2026
Latest filing
10-QNov 3, 2026
FY2016–FY2025 · annual 10-K

Charts

Revenue and net income

Revenue and net income, fiscal years FY2016 to FY2025.
PeriodRevenueNet incomeNet margin
FY2016$25.5B$3.75B14.7%
FY2017$27.2B$1.98B7.3%
FY2018$28.1B$6.02B21.4%
FY2019$28.6B$5.55B19.4%
FY2020$28.5B$2.71B9.5%
FY2021$30.4B$12.4B40.7%
FY2022$34.3B$7.36B21.5%
FY2023$36.8B$4.89B13.3%
FY2024$39.1B$4.75B12.1%
FY2025$53.4B$2.45B4.6%

Diluted EPS

Diluted EPS, fiscal years FY2016 to FY2025.
PeriodEPS (diluted)
FY2016$6.89
FY2017$3.49
FY2018$11.82
FY2019$11.05
FY2020$5.18
FY2021$26.94
FY2022$17.91
FY2023$11.95
FY2024$11.59
FY2025$4.03

Free cash flow vs net income

Free cash flow vs net income, fiscal years FY2016 to FY2025.
PeriodFree cash flowNet income
FY2016$11.1B$3.75B
FY2017$13.2B$1.98B
FY2018$12.1B$6.02B
FY2019$15.8B$5.55B
FY2020$16B$2.71B
FY2021$11.6B$12.4B
FY2022$12.9B$7.36B
FY2023$19.6B$4.89B
FY2024$17B$4.75B
FY2025$26.1B$2.45B

Diluted shares

Diluted shares, fiscal years FY2016 to FY2025.
PeriodDiluted shares (weighted)
FY2016510M
FY2017489M
FY2018483M
FY2019470M
FY2020459M
FY2021444M
FY2022393M
FY2023383M
FY2024384M
FY2025541M

Cash vs total debt

Cash vs total debt, fiscal years FY2016 to FY2025.
PeriodCash & equivalents
FY2016—
FY2017$14.4B
FY2018$13.5B
FY2019$13.7B
FY2020$40.8B
FY2021$22.1B
FY2022$31.3B
FY2023$43.8B
FY2024$43.7B
FY2025$62.1B

Total debt: Not meaningful for financial companies

Each bar is one fiscal year as reported in its 10-K; bars below the zero line are negative and gaps are years not reported. Per-share figures are as reported, not adjusted for stock splits; comparisons across a likely split are left blank.

FY2025 · 5-year trend

Ratios

Profitability

Gross marginNot meaningful for financial companies
—
Net margin
4.6%
FCF margin
48.9%
Return on equity
2.8%
Return on assets
0.4%

Growth

Growth. Compound annual growth: (end ÷ start)^(1 ÷ years) − 1, both ends positive.
Metric1y3y CAGR5y CAGR9y CAGR
Revenueup 36.62%up 15.98%up 13.38%up 8.57%
EPS (diluted)down 65.23%down 39.18%down 4.90%down 5.78%
Free cash flowup 54.17%up 26.62%up 10.33%up 10.01%
Change in share count
+41.11%

Financial strength

Current ratioNot meaningful for financial companies
—
Debt / equityNot meaningful for financial companies
—
Liabilities / assets
83.0%
Net debtNot meaningful for financial companies
—
Interest coverageNot meaningful for financial companies
—
Equity / assets
17.0%

Shareholder returns

Dividends paid
$1.52B
Buybacks
$4.1B
Payout ratio
61.8%
Stock comp. / revenue
1.5%

Financial company (SIC 6000–6799): gross margin, current ratio, debt figures, interest coverage, the F-Score and Z'' are not meaningful for bank and insurer balance sheets, so they are left blank.

Piotroski F-Score · Altman Z''-Score

Quality screens

Piotroski F-Score

Not meaningful for financial companies.

Altman Z''-Score

Not meaningful for financial companies.

Screening heuristic, not a recommendation. Financial company (SIC 6000–6799): gross margin, current ratio, debt figures, interest coverage, the F-Score and Z'' are not meaningful for bank and insurer balance sheets, so they are left blank.

Last 10 fiscal years · newest first

Financial statements

USD millions, except per-share figures (USD). Share counts in millions.

Income statement

Income statement. USD millions, except per-share figures (USD). Share counts in millions.
MetricFY2025Dec 31, 2025FY2024Dec 31, 2024FY2023Dec 31, 2023FY2022Dec 31, 2022FY2021Dec 31, 2021FY2020Dec 31, 2020FY2019Dec 31, 2019FY2018Dec 31, 2018FY2017Dec 31, 2017FY2016Dec 31, 2016
Revenue53,43439,11236,78734,25030,43528,52328,59328,07627,23725,501
YoY (Revenue)+36.62%+6.32%+7.41%+12.53%+6.70%-0.24%+1.84%+3.08%+6.81%—
Interest expense——12,6974,1231,5983,1205,1734,3012,7622,018
Pretax income2,2815,9106,0459,24015,8093,2036,8747,3185,4925,484
Income tax1931,1631,1581,8803,4154861,3411,2933,3751,714
Net income2,4534,7504,8877,36012,3902,7145,5466,0151,9823,751
YoY (Net income)-48.36%-2.80%-33.60%-40.60%+356.52%-51.06%-7.80%+203.48%-47.16%—
EPS (basic)4.0311.6111.9817.9827.045.1911.1011.903.526.96
EPS (diluted)4.0311.5911.9517.9126.945.1811.0511.823.496.89
YoY (EPS (diluted))-65.23%-3.01%-33.28%-33.52%+420.08%-53.12%-6.51%+238.68%-49.35%—
Diluted shares (weighted)541384383393444459470483489510

Balance sheet

Balance sheet. USD millions, except per-share figures (USD). Share counts in millions.
MetricFY2025Dec 31, 2025FY2024Dec 31, 2024FY2023Dec 31, 2023FY2022Dec 31, 2022FY2021Dec 31, 2021FY2020Dec 31, 2020FY2019Dec 31, 2019FY2018Dec 31, 2018FY2017Dec 31, 2017FY2016Dec 31, 2016
Cash & equivalents62,09343,67143,75531,25622,05440,77113,74913,48914,352—
Goodwill28,50915,05915,06514,77714,78214,65314,65314,54414,53314,519
Intangible assets16,57823331015911190174254421665
Total assets669,009490,144478,464455,249432,381421,602390,365372,538365,693357,033
Short-term debt1,0875625388838206687,3149,402576992
Long-term debt49,91344,98949,31847,83242,26639,87148,38349,50359,70559,468
Total liabilities555,393429,360420,375402,667371,352361,398332,354320,870316,963309,519
Retained earnings65,19264,50560,94557,18451,00640,08840,34035,87530,70029,766
Stockholders' equity113,61660,78458,08952,58261,02960,20458,01151,66848,73047,514
Shares outstanding625381380381414459457468486480

Cash flow

Cash flow. USD millions, except per-share figures (USD). Share counts in millions.
MetricFY2025Dec 31, 2025FY2024Dec 31, 2024FY2023Dec 31, 2023FY2022Dec 31, 2022FY2021Dec 31, 2021FY2020Dec 31, 2020FY2019Dec 31, 2019FY2018Dec 31, 2018FY2017Dec 31, 2017FY2016Dec 31, 2016
Operating cash flow27,71818,15920,57513,80912,31016,69916,63912,97814,18211,856
Capital expenditures1,5781,2049619346987108878741,018779
Free cash flow26,14016,95519,61412,87511,61215,98915,75212,10413,16411,077
YoY (Free cash flow)+54.17%-13.56%+52.34%+10.88%-27.38%+1.50%+30.14%-8.05%+18.84%—
Depreciation & amortization5,2603,2373,2263,2103,4813,5013,3392,3962,4402,428
Stock-based compensation776569513314331203239170244239
Share repurchases4,0997347184,9487,6053931,4812,2842403,661
Dividends paid1,5169329319501,148460753773780812
Dividends per share————————1.601.60
Key financials (annual, 10-K)

Values as reported in each fiscal year's Form 10-K (XBRL data on SEC EDGAR); growth and ratios are computed from those values. Revenue is the total revenue figure the company tagged (omitted when the only figure tagged is evidently partial, e.g. below net income); growth is only shown between consecutive ~12-month fiscal years reported with the same revenue measure. Per-share figures and share counts are as reported and not adjusted for later stock splits. — = not reported.

FY2025 · per diluted weighted share

Per share and valuation context

EPS (diluted)
$4.03
Revenue per share
$98.71
FCF per share
$48.29
Book value per share
$209.89
Tangible book per share
$126.60
Cash per share
$114.71
Public floatas of Jun 30, 2025
$135B

Price ratios need a live quote. This page shows no stock prices. Per-share figures are as reported, not adjusted for stock splits; comparisons across a likely split are left blank.

Price ratio calculator

Type a share price to compute ratios from the latest 10-K figures. Nothing is stored or sent. (FY2025)

Market capPrice × diluted weighted shares
—
P/EPrice ÷ diluted EPS
—
P/BPrice ÷ book value per share
—
P/SPrice ÷ revenue per share
—
P/FCFPrice ÷ FCF per share
—
Dividend yieldDividends per share ÷ price
—
SEC EDGAR

Filing timeline

  1. 10-QNew
    Quarterly report· Sep 30, 2026(SEC EDGAR)
  2. 8-K
    Current report· Oct 20, 2026(SEC EDGAR)
    • 7.01Regulation FD disclosure
    • 9.01Financial statements and exhibits
  3. 8-K
    Current report· Oct 20, 2026(SEC EDGAR)
    • 2.02Results of operations
    • 9.01Financial statements and exhibits
  4. 8-K
    Current report· Sep 15, 2026(SEC EDGAR)
    • 8.01Other events
    • 9.01Financial statements and exhibits
  5. 8-K
    Current report· Sep 15, 2026(SEC EDGAR)
    • 7.01Regulation FD disclosure
    • 9.01Financial statements and exhibits
  6. 8-K
    Current report· Sep 14, 2026(SEC EDGAR)
    • 7.01Regulation FD disclosure
    • 9.01Financial statements and exhibits
  7. 8-K
    Current report· Sep 1, 2026(SEC EDGAR)
    • 5.03Bylaws or fiscal year change
    • 9.01Financial statements and exhibits
  8. 8-K
    Current report· Aug 20, 2026(SEC EDGAR)
    • 8.01Other events
    • 9.01Financial statements and exhibits
  9. 8-K
    Current report· Aug 14, 2026(SEC EDGAR)
    • 7.01Regulation FD disclosure
    • 9.01Financial statements and exhibits
  10. 10-Q
    Quarterly report· Jun 30, 2026(SEC EDGAR)
All filings on SEC EDGAR
SIC 6021 · National Commercial Banks

Peers (same SIC code)

Peers (same SIC code)
TickerRevenue (FY)YoYNet marginROEF-Score5y revenue
JPMJPMORGAN CHASE & CO$182B—31.3%———
BACBANK OF AMERICA CORP$113B—27.0%———
CCITIGROUP INC$85.2B—16.8%———
WFCWELLS FARGO & COMPANY$83.7B—25.5%———
COFCAPITAL ONE FINANCIAL CORP (This company)$53.4Bup 36.62%4.6%2.8%—
UBSUBS Group AG——————
MFGMIZUHO FINANCIAL GROUP INC——————
Peer median$99.2B—26.2%———

Companies with the same 4-digit SIC code, ordered by latest revenue. The median excludes this company. — = not reported or not computable.

Frequently asked questions

What does CAPITAL ONE FINANCIAL CORP do?

The SEC classifies CAPITAL ONE FINANCIAL CORP under Standard Industrial Classification (SIC) code 6021, "National Commercial Banks". It is headquartered in Mclean, VA. It is incorporated in DE. In fiscal 2025 it reported revenue of $53.43B and net income of $2.45B in its annual 10-K report.

What was CAPITAL ONE FINANCIAL CORP's revenue in 2025?

CAPITAL ONE FINANCIAL CORP reported revenue of $53.43B for fiscal 2025, which ended Dec 31, 2025, up 36.6% from $39.11B in fiscal 2024, according to its annual 10-K report filed with the SEC on Feb 19, 2026.

What was CAPITAL ONE FINANCIAL CORP's net income in 2025?

CAPITAL ONE FINANCIAL CORP reported net income of $2.45B for fiscal 2025, a net margin of 4.6% of revenue.

Where is CAPITAL ONE FINANCIAL CORP listed?

According to the SEC, CAPITAL ONE FINANCIAL CORP's ticker COF is listed on NYSE. The SEC also lists the tickers COF-PI, COF-PJ, COF-PK, COF-PL and COF-PN for the company.

When does CAPITAL ONE FINANCIAL CORP's fiscal year end?

According to the SEC, CAPITAL ONE FINANCIAL CORP's fiscal year ends on December 31; its latest reported fiscal year (2025) ended Dec 31, 2025.

Source: SEC EDGAR · Last updated:

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Not investment advice: This page shows financial data that companies reported to the US Securities and Exchange Commission, for information only. It is not investment advice or a recommendation to buy or sell any security, and it shows no stock prices. Data may be incomplete, restated or out of date — check the original filings on SEC EDGAR before making decisions.