stockrowCapital One Financial Corporation
Capital One Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $69.3 billion, up 28.4% from fiscal 2024.
- Revenue
- +3.24%
- EPS
- +16.4%
- Free cash flow
- −39.3%
- Total debt
- −3.35%
Quarter to September 2026, against a year earlier
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Capital One Financial Corporation (COF) Gross margin
Capital One Financial Corporation's gross margin over the twelve months to 30 September 2026 was 79.4%, up 2.3 percentage points from fiscal 2025 (77.2%). Over the past ten years it has ranged from 72.5% (fiscal 2024) to 95.0% (fiscal 2021); the current reading is higher than 27% of that period. That is in line with the Credit Services industry median of 76.6% and above the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 77.2% | 4.65 |
| FY2024 | 72.5% | (1.83) |
| FY2023 | 74.3% | (14.92) |
| FY2022 | 89.3% | (5.75) |
| FY2021 | 95.0% | 4.87 |
| FY2020 | 90.1% | 5.46 |
| FY2019 | 84.7% | (2.04) |
| FY2018 | 86.7% | (4.07) |
| FY2017 | 90.8% | (1.88) |
| FY2016 | 92.7% | (0.84) |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 80.3% | 0.49 |
| Jun 2026 | 79.8% | 0.95 |
| Mar 2026 | 78.9% | 0.16 |
| Dec 2025 | 78.7% | 0.80 |
| 43 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| MA Mastercard Incorporated compare | 100.0% |
| V Visa Inc. compare | 100.0% |
| AXP American Express Company compare | 90.8% |
| SYF Synchrony Financial compare | 83.2% |
| COF Capital One Financial Corporation | 79.4% |
| SOFI SoFi Technologies, Inc. compare | 77.4% |
| ALLY Ally Financial Inc. compare | 61.8% |
| PYPL PayPal Holdings, Inc. compare | 40.6% |
| AFRM Affirm Holdings, Inc. compare | 0.00% |
| Credit Services industry median | 76.6% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
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- Price to free cash flow
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