Saturday 17 October 2026 Export COF’s income statement to Excel — free account

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.

201.74 2.88 +1.45%

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Market cap: $122.0B
P/E: 12.5×
Fwd P/E: 11.6×
Dividend yield: 1.59%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios Filings 10-Q 10-K

Insider Decisions trades per month

Total sells 65.38

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	4	3	4	6	—	2	3	1	3	8	3	1

Insider Ownership 2.24%

Capital & Financial Ratios $m

Market Cap 122,000.00

Revenue 78,700.00

Net Income 10,155.00

Free Cash Flow 29,701.00

Net Debt (11,204.00)

Current Ratio 1.02

Debt/Equity 0.39

P/E ratio 12.48

Fwd P/E 11.60

P/S ratio 1.59

P/B ratio 1.10

Past 5Y EPS Growth (4.90%)

This Y EPS Growth 4.71%

Next Y EPS Growth 16.52%

Next Y revenue growth (7.61%)

Next 5Y EPS Growth 12.18%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 61.38%

10-year low 10-year high

P/S against its own 10 years 74.82%

10-year low 10-year high

P/B against its own 10 years 85.37%

10-year low 10-year high

Dividends

Payout Ratio 0.20

Annual Dividend Rate 3.20

Annual Dividend Yield 1.59%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	3.23	0.80 0.80 0.80
2025	2.60	0.60 0.60 0.60 0.80
2024	2.40	0.60 0.60 0.60 0.60
2023	2.40	0.60 0.60 0.60 0.60
2022	2.40	0.60 0.60 0.60 0.60
2021	1.60	0.40 0.40 0.20 0.60 0.60
2020	1.00	0.40 0.40 0.10 0.10
2019	1.60	0.40 0.40 0.40 0.40
2018	1.60	0.40 0.40 0.40 0.40
2017	1.60	0.40 0.40 0.40 0.40
2016	1.60	0.40 0.40 0.40 0.40

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	43,755	43,671	62,093	55,881
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	352,263	357,922	496,558	493,779

	2023	2024	2025	Q'26
Payables	348,413	362,707	475,771	484,257
ST’ Debt	—	—	—	—
Other	—	—	—	—
	349,600	363,935	477,202	485,767

Compound Annual Growth %

	10y	5y	3y
Sales	10.71%	16.96%	21.75%
Cash Flow	10.59%	10.67%	26.14%
Earnings	(5.58%)	(1.69%)	(32.35%)
Book Value	9.16%	13.54%	29.28%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	19,317	19,861	—	—	—
’25	13,405	16,325	19,718	19,804	69,252
’24	13,091	13,240	13,798	13,809	53,938
’23	11,471	12,065	12,816	13,132	49,484
’22	8,560	8,810	10,002	11,001	38,373
’21	7,552	7,770	8,212	8,499	32,033
’20	8,333	7,414	8,041	7,855	31,643

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	6,023	8,444	—	—	—
’25	4,667	6,066	9,154	7,831	27,718
’24	3,010	6,243	6,458	2,448	18,159
’23	2,992	3,354	7,129	7,100	20,575
’22	(79)	2,954	2,777	8,157	13,809
’21	1,636	4,058	1,954	4,662	12,310
’20	5,409	3,806	2,857	4,627	16,699

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	5,470	8,077	—	—	—
’25	4,319	5,667	8,767	7,387	26,140
’24	2,763	5,954	6,146	2,092	16,955
’23	2,757	3,148	6,870	6,839	19,614
’22	(309)	2,761	2,556	7,867	12,875
’21	1,458	3,895	1,791	4,468	11,612
’20	5,255	3,618	2,656	4,460	15,989

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	3.34	4.73	—	—	—
’25	3.45	(8.58)	4.83	3.26	4.03
’24	3.13	1.38	4.41	2.67	11.59
’23	2.31	3.52	4.45	1.67	11.95
’22	5.62	4.96	4.20	3.03	17.91
’21	7.03	7.62	6.78	5.41	26.94
’20	(3.10)	(2.21)	5.06	5.35	5.18

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	58.03	76.05	69.90	74.39	38.00	96.98	86.98	83.93	123.23	143.22	Analyst estimates 2026–2028 Powerpack
	High	91.64	101.43	106.50	105.70	107.59	177.95	162.40	132.50	198.30	249.74
People
People	Employees	47,300	49,300	47,600	51,900	51,985	50,767	55,943	51,987	52,600	76,300
	Revenue/emp, $m	0.58	0.61	0.68	0.65	0.61	0.63	0.69	0.95	1.03	0.91
Income, $m
Income, $m	Revenue	27,519	29,999	32,377	33,766	31,643	32,033	38,373	49,484	53,938	69,252
	Gross margin, %	92.67	90.79	86.72	84.68	90.14	95.01	89.26	74.34	72.51	77.16
	EBT	5,484	5,492	7,318	6,874	3,203	15,809	9,240	6,045	5,910	2,281
	EBT margin, %	19.93	18.31	22.60	20.36	10.12	49.35	24.08	12.22	10.96	3.29
	Net income	3,751	2,117	6,025	5,533	2,717	12,394	7,360	4,887	4,747	2,088
	Depreciation	2,428	2,440	2,396	3,339	3,501	3,481	3,210	3,226	3,237	5,260
Per share, $
Per share, $	Revenue	54.50	61.96	67.47	72.21	69.12	72.39	97.94	129.40	140.94	128.08
	Earnings	6.96	3.52	11.90	11.10	5.19	27.04	17.98	11.98	11.61	4.03
	Cash flow	23.48	29.29	27.04	35.58	36.48	27.82	35.25	53.80	47.45	51.26
	Capex	(1.54)	(2.10)	(1.82)	(1.90)	(1.55)	(1.58)	(2.38)	(2.51)	(3.15)	(2.92)
	Free cash flow	21.94	27.19	25.22	33.69	34.93	26.24	32.86	51.29	44.30	48.34
	Book value	94.11	100.64	107.66	124.06	131.51	137.92	134.21	151.91	158.83	210.13
	Shares, m	505	484	480	468	458	443	392	382	383	541
Valuation, ×
Valuation, ×	P/E	12.81	28.38	6.36	9.27	19.31	5.38	5.20	11.03	15.35	81.60
	P/S	1.63	1.61	1.12	1.43	1.43	2.00	0.95	1.02	1.27	1.89
	P/B	0.94	0.99	0.70	0.83	0.75	1.05	0.69	0.87	1.12	1.15
	EV/Sales	3.34	3.12	2.51	2.66	1.40	2.64	1.38	1.13	1.29	1.72
	EV/FCF	8.29	7.11	6.72	5.70	2.77	7.27	4.12	2.86	4.10	4.57
Cash, $m
Cash, $m	Operating cash flow	11,856	14,182	12,978	16,639	16,699	12,310	13,809	20,575	18,159	27,718
	Capex	(779)	(1,018)	(874)	(887)	(710)	(698)	(934)	(961)	(1,204)	(1,578)
	Free cash flow	11,077	13,164	12,104	15,752	15,989	11,612	12,875	19,614	16,955	26,140
Balance, $m
Balance, $m	Working capital	15,883	19,139	4,400	11,058	(25,450)	(16,769)	(1,748)	2,663	(6,013)	19,356
	Total debt	59,468	59,705	58,553	55,383	39,871	42,266	47,832	49,318	44,989	50,413
	Net debt	46,975	45,353	45,064	41,634	(900)	20,212	16,576	5,563	1,318	(11,680)
	Shareholders’ equity	47,514	48,730	51,668	58,011	60,204	61,029	52,582	58,089	60,784	113,616
Returns, %
Returns, %	ROA	1.02	0.47	1.55	1.36	0.58	2.80	1.59	0.98	0.92	0.38
	ROIC	3.63	3.65	4.73	4.31	3.38	12.16	8.35	5.94	5.95	1.40
	ROE	7.41	3.54	11.37	9.47	4.02	19.74	12.40	8.28	7.48	2.50

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
V Visa Inc.	$746.4B	33.0×	25.4×	+14.36% (above 0%: growing)	+10.41% (above 0%: growing)	−2.73% (below 0%: shrinking)	100.00%	59.12%	Compare
MA Mastercard Incorporated	$539.9B	33.9×	25.4×	+14.07% (above 0%: growing)	+22.06% (above 0%: growing)	−25.01% (below 0%: shrinking)	100.00%	60.22%	Compare
AXP American Express Company	$212.0B	19.0×	17.6×	+8.34% (above 0%: growing)	+11.27% (above 0%: growing)	+19.44% (above 0%: growing)	90.93%	0.00%	Compare
COF Capital One Financial Corporation	$122.0B	12.5×	11.6×	+21.66% (above 0%: growing)	n/m	+42.53% (above 0%: growing)	79.80%	0.00%
PYPL PayPal Holdings, Inc.	$48.9B	10.6×	8.1×	+4.75% (above 0%: growing)	−3.08% (below 0%: shrinking)	+157.72% (above 0%: growing)	39.60%	16.44%	Compare
AFRM Affirm Holdings, Inc.	$25.6B	13.0×	35.7×	+33.04% (above 0%: growing)	+2,171.43% (above 0%: growing)	+875.00% (above 0%: growing)	58.84%	12.63%	Compare
SYF Synchrony Financial	$24.1B	7.5×	7.6×	+0.28% (above 0%: growing)	+3.98% (above 0%: growing)	−5.47% (below 0%: shrinking)	82.95%	0.00%	Compare
SOFI SoFi Technologies, Inc.	$19.5B	28.5×	26.8×	+39.09% (above 0%: growing)	+33.33% (above 0%: growing)	−160.17% (below 0%: shrinking)	77.57%	0.00%	Compare
ALLY Ally Financial Inc.	$11.5B	8.8×	8.4×	+4.52% (above 0%: growing)	+13.33% (above 0%: growing)	+42.87% (above 0%: growing)	62.82%	0.00%	Compare
Median of peers	$37.3B	16.0×	21.5×	+11.21%	+12.30%	+8.36%	80.26%	6.32%

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