Capital One Financial Corporation COF SPX

Financial Services · Credit Services · United States

https://www.capitalone.com

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.

Market & Price

Market Cap

$116.95B

Current Price

$187.93

High / Low (52W)

$255.86 / $175.35

Beta

1.05

Valuation

Stock P/E

57.82

Industry PE

12.01

Forward P/E

7.74

PEG Ratio

0.20

Book Value

$173.50

Price to Book

1.08

P/S

3.22

EV/EBITDA

Dividend Yield

1.70%

Profitability & Returns

ROCE

ROE

3.26%

ROA

0.49%

Profit Margin

8.88%

Op Margin

28.59%

EPS (Latest Qtr)

$3.34

EPS (TTM)

$3.25

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$55.87B

Total Assets

$669.01B

Current Assets

Working Capital

Ownership

Promoter Holding

1.88%

Chg in Prom Hold

FII / Inst Holding

86.59%

Chg in FII Hold

0.00%

Financial Snapshot

Enterprise Value

$98.84B

Total Revenue (TTM)

$36.31B

EBITDA

Free Cash Flow

Operating Cash Flow

$29.07B

Shares Outstanding

622.29M

Gross Margin

0.00%

Payout Ratio

86.12%

Growth (CAGR)

Revenue 5Y

15.98%

Profit 5Y

-30.67%

Revenue (YoY)

46.30%

Earnings (YoY)

-3.20%

PROS

Compounding revenue at 16.0% over 5 years.

CONS

Trading at a high P/E of 57.8.
Earnings shrank at -30.7% CAGR over 5 years.
Trading 26.6% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	COF Capital One Financial Corporation SPX	187.93	57.82	$116.95B	1.70%	-	3.26%	15.98%	-30.67%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2014	Dec 2014	Mar 2015	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	804.00M	882.00M	858.00M	894.00M	969.00M	942.00M	937.00M	805.00M	982.00M	1.00B	1.24B	1.25B	1.23B	1.41B	1.42B	1.28B	1.42B	1.48B	1.39B	1.47B	-	-	10.00B	12.58B	15.46B	15.39B	15.23B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.40B	3.83B	4.36B	4.22B	4.09B
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.73B	-5.93B	4.38B	2.10B	2.70B
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	325.00M	-1.67B	1.19B	345.00M	518.00M
Net Income	1.08B	999.00M	1.15B	863.00M	1.11B	920.00M	1.01B	942.00M	1.00B	791.00M	810.00M	1.04B	1.11B	1.35B	1.91B	1.50B	1.41B	1.62B	1.33B	-1.34B	-918.00M	2.41B	3.33B	3.54B	3.10B	2.40B	2.03B	1.69B	960.00M	1.43B	1.79B	1.28B	597.00M	-	-	1.40B	-4.28B	3.19B	2.13B	2.17B
Diluted EPS	1.86	1.73	2.00	1.50	1.98	1.58	1.84	1.69	1.90	1.45	1.54	1.94	2.14	2.62	3.71	2.99	2.86	3.24	2.69	-3.10	-2.21	5.06	7.03	7.62	6.78	5.62	4.96	4.20	2.31	3.52	4.45	3.13	1.38	-	-	3.45	-8.58	4.83	3.26	3.34

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	3.43B	3.82B	3.74B	4.78B	34.25B	36.79B	39.11B	53.43B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.12B	12.70B	14.83B	15.82B
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.24B	6.04B	5.91B	2.28B
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.88B	1.16B	1.16B	193.00M
Net Income	1.57B	-46.00M	884.00M	2.74B	3.15B	3.49B	4.12B	4.43B	4.05B	3.75B	1.98B	6.01B	5.55B	2.71B	12.39B	7.36B	4.89B	4.75B	2.45B
Diluted EPS	3.97	-0.21	0.74	6.01	6.80	6.11	6.89	7.59	7.07	6.89	3.49	11.82	11.05	5.18	26.94	17.91	11.95	11.59	4.03

Compounded Sales Growth

5 Years:	15.98%
1 Year:	46.30%

Compounded Profit Growth

5 Years:	-30.67%
1 Year:	-3.20%

Stock Price Performance

1 Year:	+0.82%
6 Months:	-11.65%
3 Months:	-3.53%
1 Month:	-1.10%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2006	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Sep 2012	Dec 2012	Sep 2013	Dec 2013	Sep 2014	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	165.91B	169.65B	197.50B	206.02B	-	312.92B	-	296.93B	-	308.17B	334.05B	357.03B	365.69B	372.54B	390.37B	421.60B	-	455.25B	478.46B	490.14B	669.01B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	30.86B	43.30B	43.23B	57.43B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.10B	2.48B	2.53B	3.49B
Total Liabilities	-	-	139.30B	143.06B	170.96B	176.35B	-	272.42B	-	255.30B	-	263.11B	286.76B	309.52B	316.96B	320.87B	332.35B	361.40B	-	402.67B	420.38B	429.36B	555.39B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	40.27B	32.26B	-	28.76B	-	24.44B	-	31.38B	-	-	-	-	-	-	-	47.83B	49.32B	44.96B	49.89B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	47.83B	49.32B	44.99B	50.41B
Total Equity	25.24B	24.29B	26.61B	26.59B	26.54B	29.62B	39.70B	40.42B	41.80B	41.63B	44.00B	45.05B	47.28B	47.51B	48.73B	51.67B	58.01B	60.20B	-	52.58B	58.09B	60.78B	113.62B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	690.33M	696.24M	702.22M	708.55M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	12.90B	3.48B	2.08B	8.14B	7.46B	9.52B	9.98B	9.30B	10.13B	11.86B	14.18B	12.98B	16.64B	16.70B	-	13.81B	20.57B	18.16B	27.72B
Investing Cash Flow	-10.47B	-15.61B	11.16B	4.46B	-11.17B	-18.81B	3.72B	-15.99B	-29.73B	-25.63B	-15.54B	-15.62B	-23.00B	-14.84B	-	-29.74B	-21.92B	-26.41B	-444.00M
Financing Cash Flow	-2.27B	14.80B	-12.05B	-16.04B	4.31B	14.51B	-18.47B	7.64B	21.16B	17.23B	3.22B	1.78B	6.62B	25.16B	-	25.13B	13.84B	8.17B	-8.85B
Capital Expenditure	-437.55M	-356.33M	-243.00M	-340.00M	-315.00M	-560.00M	-818.00M	-502.00M	-532.00M	-779.00M	-1.02B	-874.00M	-887.00M	-710.00M	-	-934.00M	-961.00M	-1.20B	-1.58B
Free Cash Flow	12.46B	3.13B	1.84B	7.80B	7.14B	8.96B	9.17B	8.80B	9.60B	11.08B	13.16B	12.10B	15.75B	15.99B	-	12.88B	19.61B	16.95B	26.14B
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.20B	12.50B	-84.00M	18.42B
Share Buybacks	3.02B	12.50M	14.00M	22.00M	42.00M	43.00M	1.03B	2.04B	2.44B	3.66B	240.00M	2.28B	1.48B	393.00M	7.61B	4.95B	718.00M	734.00M	4.10B

Ratios (Annual)

Figures in %.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	175.3%	145.2%	72.6%	259.2%	21.5%	13.3%	12.1%	4.6%
ROE %	6.5%	-0.2%	3.3%	10.3%	10.6%	8.6%	9.9%	9.8%	8.6%	7.9%	4.1%	11.6%	9.6%	4.5%	-	14.0%	8.4%	7.8%	2.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.88%

Institutions

86.59%

Public Float

88.25%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.17%	50.82M	$9.55B
2	Vanguard Capital Management LLC	6.51%	40.51M	$7.61B
3	State Street Corporation	4.43%	27.55M	$5.18B
4	Capital World Investors	2.91%	18.12M	$3.41B
5	JPMORGAN CHASE & CO	2.79%	17.36M	$3.26B
6	Geode Capital Management, LLC	2.30%	14.29M	$2.69B
7	Franklin Resources, Inc.	2.21%	13.73M	$2.58B
8	FMR, LLC	2.02%	12.56M	$2.36B
9	Vanguard Portfolio Management LLC	1.91%	11.88M	$2.23B
10	Harris Associates L.P.	1.66%	10.36M	$1.95B

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