NYSE · Financial Statements

Capital One Financial Corporation (COF) Financial Statements

$201.34 NYSE: COF Market Cap $123.52B

Capital One Financial Corporation most recently reported annual revenue of $69.3B, net profit of $2.5B. Revenue grew at an average annual rate of 17.0% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Capital One Financial Corporation: Revenue rose from $27.5B in 2016 to $69.3B in 2025, a change of +151.7% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 19.9% to 3.3%, a shift of -16.6 percentage points; the most recent year shows net profit of $2.5B.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$27.5B$30.0B$31.9B$33.8B$31.6B$32.0B$38.4B$49.5B$53.9B$69.3B
Operating Expenses$22.0B$24.5B$24.6B$26.9B$28.4B$16.2B$29.1B$43.4B$48.0B$67.0B
Operating Profit$5.5B$5.5B$7.3B$6.9B$3.2B$15.8B$9.2B$6.0B$5.9B$2.3B
Operating Margin19.9%18.3%23.0%20.4%10.1%49.4%24.1%12.2%11.0%3.3%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$2.0B$2.8B$4.3B$5.2B$3.1B$1.6B$4.1B$12.7B$14.8B$15.8B
Depreciation$2.4B$2.4B$2.4B$3.3B$3.5B$3.5B$3.2B$3.2B$3.2B$5.3B
Profit Before Tax$5.5B$5.5B$7.3B$6.9B$3.2B$15.8B$9.2B$6.0B$5.9B$2.3B
Tax$31.3M$61.5M$17.7M$19.5M$15.2M$21.6M$20.4M$19.2M$19.7M$8.5M
Net Profit$3.8B$2.0B$6.0B$5.5B$2.7B$12.4B$7.4B$4.9B$4.8B$2.5B
EPS$6.89$3.49$12.45$11.05$5.18$26.94$17.91$11.95$11.59$4.03
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$12.8B$13.1B$13.1B$13.3B$13.8B$13.8B$13.4B$16.4B$19.8B$19.6B$19.3B$19.9B
Operating Expenses$10.6B$12.2B$11.5B$12.6B$11.6B$12.3B$11.7B$22.3B$15.4B$17.5B$16.6B$12.5B
Operating Profit$2.2B$932.0M$1.6B$651.0M$2.2B$1.5B$1.7B$-5.9B$4.4B$2.1B$2.7B$7.3B
Operating Margin17.3%7.1%12.1%4.9%16.1%10.6%12.9%-36.1%22.1%10.7%14.0%37.0%
Interest$3.5B$3.6B$3.7B$3.7B$3.8B$3.6B$3.4B$3.8B$4.4B$4.2B$4.1B$4.0B
Profit Before Tax$2.2B$932.0M$1.6B$651.0M$2.2B$1.5B$1.7B$-5.9B$4.4B$2.1B$2.7B$3.8B
Tax$19.4M$24.3M$19.1M$8.3M$19.9M$25.1M$18.8M$28.1M$27.1M$16.4M$19.2M$20.9M
Net Profit$1.8B$706.0M$1.3B$597.0M$1.8B$1.1B$1.4B$-4.3B$3.2B$2.1B$2.2B$3.0B
EPS$4.45$1.67$3.13$1.38$4.41$2.67$3.45$-8.58$4.83$3.26$3.34$4.73

Over the 10 years reported for Capital One Financial Corporation, borrowings decreased from $60.5B in 2016 to $51.0B in 2025, cash stood at $57.4B in the latest year, shareholders' equity was $7.0M, current assets covered current liabilities 0.15 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$357.0B$365.7B$372.5B$390.4B$421.6B$432.4B$455.2B$478.5B$490.1B$669.0B
Current Assets$52.1B$53.2B$61.0B$94.4B$142.4B$118.5B$109.9B$124.9B$49.6B$69.9B
Cash$10.0B$14.0B$13.2B$13.4B$40.5B$21.7B$30.9B$43.3B$43.2B$57.4B
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$1.4B$1.5B$1.6B$1.8B$1.5B$1.5B$2.1B$2.5B$2.5B$3.5B
Fixed Assets$3.7B$4.0B$4.2B$4.4B$4.3B$4.2B$4.4B$4.4B$4.5B$5.6B
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$313.1B$322.1B$330.0B$345.4B$354.8B$367.1B$376.2B$385.1B$394.7B$522.0B
Other Assets$14.5B$14.5B$14.5B$14.7B$14.7B$14.8B$14.8B$15.1B$15.1B$28.5B
Total Liabilities$309.5B$317.0B$320.9B$332.4B$361.4B$371.4B$402.7B$420.4B$429.4B$555.4B
Current Liabilities$255.3B$253.3B$259.6B$270.4B$306.5B$312.1B$334.4B$349.6B$363.9B$477.7B
Borrowings$60.5B$60.3B$58.9B$55.7B$40.5B$43.1B$48.7B$49.9B$45.6B$51.0B
Other Liabilities$249.0B$256.7B$262.0B$276.7B$320.9B$328.3B$353.9B$370.5B$383.8B$504.4B
Equity$7.0M$7.0M$7.0M$7.0M$7.0M$7.0M$7.0M$7.0M$7.0M$7.0M
Reserves$47.5B$48.7B$51.7B$58.0B$60.2B$61.0B$52.6B$58.1B$60.8B$113.6B

For Capital One Financial Corporation, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $26.1B; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$11.9B$14.2B$13.0B$16.6B$16.7B$12.3B$13.8B$20.6B$18.2B$27.7B
Investing Cash Flow$-26.4B$-16.6B$-16.5B$-23.9B$-15.6B$-32.2B$-30.7B$-22.9B$-27.6B$-2.0B
Financing Cash Flow$14.0B$7.0B$4.0B$10.2B$40.8B$-4.0B$17.9B$14.8B$13.4B$1.8B
Net Cash Flow$2.0B$1.9B$-863.0M$260.0M$27.0B$-18.7B$9.2B$12.5B$-84.0M$18.4B
Free Cash Flow$11.1B$13.2B$12.1B$15.8B$16.0B$11.6B$12.9B$19.6B$17.0B$26.1B

Valuation & Return Ratios

MetricValue
PEG Ratio0.02
EV / EBITDA5.16
FCF Yield26.22%
Quick Ratio0.13
Interest Coverage0.99
Return 1Y-7.08%
Return 3Y136.44%
Return 5Y32.86%

Capital One Financial Corporation (COF) financials — frequently asked questions

What is Capital One Financial Corporation's annual revenue?

Capital One Financial Corporation (COF) reported annual revenue of $69.3B in its most recent fiscal year.

What is Capital One Financial Corporation's net profit?

Capital One Financial Corporation (COF) reported net profit of $2.5B in its most recent fiscal year.

What is COF EV/EBITDA?

Capital One Financial Corporation's enterprise value to EBITDA (EV/EBITDA) ratio is 5.16.

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