CAPITAL ONE FINANCIAL CORP
COF· NYSE, NYSE, NYSE, NYSE, NYSE, NYSE· National Commercial Banks
- Market cap
- –
- P/FCF
- –
- EV/Sales
- –
- FCF margin
- 324.2%
- ROIC, 5 yr avg
- –
- Revenue, 5 yr CAGR
- +16.6%
We record prices for the companies we cover; COF is not one of them yet.
Company statistics
Profile · FY2025
- Market cap
- –
- Enterprise value
- –
- Diluted shares
- 541.3M
- Revenue
- $8.1B
- Free cash flow
- $26.1B
- Owner earnings
- $25.4B
Valuation · FY2025
- P/E
- –
- P/FCF
- –
- P/Owner earnings
- –
- EV/Sales
- –
- EV/FCF
- –
- P/B
- –
Margins · FY2025
- Gross
- –
- Operating
- –
- Net
- 30.4%
- Free cash flow
- 324.2%
- Owner earnings
- 314.6%
- Stock pay
- 9.6%
Returns
- ROIC, FY2025
- –
- ROIC, 5 yr avg
- –
- ROE, FY2025
- 2.2%
- ROE, 5 yr avg
- 10.5%
Growth (CAGR)
- Revenue, 3 yr
- 14.2%
- Revenue, 5 yr
- 16.6%
- Revenue, 9 yr
- -12.0%
- Diluted EPS, 3 yr
- -39.2%
- Diluted EPS, 5 yr
- -4.9%
- Diluted EPS, 9 yr
- -5.8%
- Free cash flow, 3 yr
- 26.6%
- Free cash flow, 5 yr
- 10.3%
- Free cash flow, 9 yr
- 10.0%
Financial health · FY2025
- Cash and investments
- $62.1B
- Total debt
- –
- Net cash
- –
- Debt/Equity
- –
- Debt/FCF
- –
Shareholder returns · FY2025
- Dividend yield
- –
- Payout ratio
- 61.8%
- Buyback yield
- –
- Shareholder yield
- –
- Share count, 5 yr
- 3.4%
Financials: ten years from the 10-Ks
Revenue
$8.1B
-12.0% a year over 9 years
FY2016FY2025
Margins
30.4%
FY2025
FY2016FY2025
Free cash flow and owner earnings
Free cash flow$26.1BOwner earnings$25.4B
Free cash flow +10.0% a year
FY2016FY2025
Diluted shares
541.3M
+6.2% over 9 years, net dilution
FY2016FY2025
Every figure, year by year
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| The business | ||||||||||
| Revenue | $25.5B | $27.2B | $3.4B | $3.8B | $3.7B | $4.8B | $5.4B | $5.6B | $5.9B | $8.1B |
| Revenue growth | 8.9% | 6.8% | -87.4% | 11.3% | -2.2% | 27.9% | 13.3% | 4.2% | 4.8% | 36.3% |
| Gross margin | – | – | – | – | – | – | – | – | – | – |
| Operating margin | – | – | – | – | – | – | – | – | – | – |
| Net income | $3.8B | $2.0B | $6.0B | $5.5B | $2.7B | $12.4B | $7.4B | $4.9B | $4.8B | $2.5B |
| Net margin | 14.7% | 7.3% | 175.3% | 145.2% | 72.6% | 259.2% | 135.9% | 86.6% | 80.3% | 30.4% |
| Diluted EPS | $6.89 | $3.49 | $11.82 | $11.05 | $5.18 | $26.94 | $17.91 | $11.95 | $11.59 | $4.03 |
| Return on invested capital? | – | – | – | – | – | – | – | – | – | – |
| Cash | ||||||||||
| Operating cash flow | $11.9B | $14.2B | $13.0B | $16.6B | $16.7B | $12.3B | $13.8B | $20.6B | $18.2B | $27.7B |
| Capital expenditure | $779.0M | $1.0B | $874.0M | $887.0M | $710.0M | $698.0M | $934.0M | $961.0M | $1.2B | $1.6B |
| Free cash flow | $11.1B | $13.2B | $12.1B | $15.8B | $16.0B | $11.6B | $12.9B | $19.6B | $17.0B | $26.1B |
| Stock-based compensation | $239.0M | $244.0M | $170.0M | $239.0M | $203.0M | $331.0M | $314.0M | $513.0M | $569.0M | $776.0M |
| Owner earnings? | $10.8B | $12.9B | $11.9B | $15.5B | $15.8B | $11.3B | $12.6B | $19.1B | $16.4B | $25.4B |
| Free cash flow per share | $21.73 | $26.94 | $25.05 | $33.52 | $34.84 | $26.14 | $32.74 | $51.16 | $44.20 | $48.29 |
| Capital allocation | ||||||||||
| Dividends paid | $812.0M | $780.0M | $773.0M | $753.0M | $460.0M | $1.1B | $950.0M | $931.0M | $932.0M | $1.5B |
| Share repurchases | $3.7B | $240.0M | $2.3B | $1.5B | $393.0M | $7.6B | $4.9B | $718.0M | $734.0M | $4.1B |
| Diluted shares | 509.8M | 488.6M | 483.1M | 469.9M | 458.9M | 444.2M | 393.2M | 383.4M | 383.6M | 541.3M |
| Share count change? | -7.0% | -4.2% | -1.1% | -2.7% | -2.3% | -3.2% | -11.5% | -2.5% | 0.1% | 41.1% |
| Balance sheet | ||||||||||
| Cash and equivalents | $12.5B | $14.4B | $13.5B | $13.7B | $40.8B | $22.1B | $31.3B | $43.8B | $43.7B | $62.1B |
| Short-term investments | – | – | – | – | – | – | – | – | – | – |
| Total debt | – | – | – | – | – | – | – | – | – | – |
| Net debt | – | – | – | – | – | – | – | – | – | – |
| Shareholders' equity | $47.5B | $48.7B | $51.7B | $58.0B | $60.2B | $61.0B | $52.6B | $58.1B | $60.8B | $113.6B |
Latest filings
| 2026-10-20 | 8-K | Earnings release |
| 2026-07-28 | 10-Q | Quarterly report |
| 2026-07-21 | 8-K | Earnings release |
| 2026-05-07 | 10-Q | Quarterly report |
| 2026-04-21 | 8-K | Earnings release |
| 2026-03-25 | DEF 14A | Proxy statement |
| 2026-02-19 | 10-K | Annual report |
| 2026-01-22 | 8-K | Earnings release |
| 2025-11-03 | 10-Q | Quarterly report |
| 2025-10-21 | 8-K | Earnings release |
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