Capital 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. In the quarter to June 2026, revenue grew 21.7%, EPS grew 155.1%, free cash flow grew 42.5% and total debt fell 14.0%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for five consecutive years, revenue growth for five.
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Capital One Financial Corporation (COF) Return on invested capital
Capital One Financial Corporation's return on invested capital over the twelve months to 30 June 2026 was 7.92%, up 6.5 percentage points from fiscal 2025 (1.40%). Over the past ten years it has ranged from 1.40% (fiscal 2025) to 12.2% (fiscal 2021) — the current reading is the lowest in ten years. That is above the Credit Services industry median of 4.09% and above the Financial sector median of 4.85%.
Return on invested capital, annual
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Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 1.40% | (4.55) |
| FY2024 | 5.95% | 0.01 |
| FY2023 | 5.94% | (2.41) |
| FY2022 | 8.35% | (3.81) |
| FY2021 | 12.2% | 8.78 |
| FY2020 | 3.38% | (0.93) |
| FY2019 | 4.31% | (0.42) |
| FY2018 | 4.73% | 1.08 |
| FY2017 | 3.65% | 0.02 |
| FY2016 | 3.63% | (0.18) |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| MA Mastercard Incorporated compare | 70.5% |
| V Visa Inc. compare | 38.0% |
| AXP American Express Company compare | 20.0% |
| PYPL PayPal Holdings, Inc. compare | 16.9% |
| SYF Synchrony Financial compare | 16.8% |
| COF Capital One Financial Corporation | 7.92% |
| ALLY Ally Financial Inc. compare | 4.64% |
| SOFI SoFi Technologies, Inc. compare | 4.26% |
| AFRM Affirm Holdings, Inc. compare | 2.16% |
| Credit Services industry median | 4.09% |
| Financial sector median | 4.85% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
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