Capital One
COF NYSE· Consumer Finance
Last close · Oct 26, 2026
$202.35
KIRA · Stoqly’s AI analyst, in plain words
- Capital One had $53.4B of revenue in fiscal 2025, up 36.6% on the year before. Over five years, revenue changed +13.4% a year on average.
- Capital One made $2.5B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −5.8% a year.
- Capital One returned $5.6B to shareholders in fiscal 2025. The diluted share count rose 41.1%.
- It earned 2.8% on shareholders’ money. Running costs took 57.1% of revenue (the efficiency ratio; lower is better).
Market cap
$109.5B
P/E
12.1x
Revenue
$53.4B
Net income
$2.5B
Return on equity
2.8%
Efficiency ratio
57.1%
Capital One in 30 seconds · fiscal 2025
Are sales growing?
+36.6%
Yes. Sales grew 36.6% last year.
Does it make a profit?
4.6%
A little. It keeps 4.6% of every sale as profit.
How lean are its costs?
57.1%
Average. Running costs take 57.1% of revenue.
How much does it earn on its capital?
2.8%
Low. It earns 2.8% a year on shareholders’ money.
How is the share priced?
12.1x
One share costs 12.1 times its yearly profit per share. Typical for its sector: 13.7x.
What Capital One does
Capital One is a bank holding company based in McLean, Virginia. It offers credit and debit cards, auto loans, personal loans, bank deposit accounts, and business lending and treasury management (handling a company's cash and payments) to consumers, small businesses and larger companies. Customers reach it online and through branches, cafés, call centers and ATMs. It also issues credit cards in the U.K. and Canada. Capital One says it was the largest credit card issuer in the U.S. at the end of 2025, measured by card loan balances. Most of its money comes from interest on loans, minus what it pays for deposits and other funding. It also earns fees, mostly paid by merchants, when its cards are used and when payments run over its networks. It reports three segments: Credit Card; Consumer Banking, which includes deposits, auto loans and its payment networks; and Commercial Banking, which serves companies with annual revenues between $20 million and $2 billion.
Biggest risks, in its own words
- Integrating Discover may be harder, slower or more costly than expected, and the deal may not bring the benefits Capital One expects.
- Rising delinquencies and credit losses on its loans, or estimating those losses wrongly.
- Losing card volume or merchant acceptance on its newly acquired payment networks to larger, well-funded rival networks.
- Laws, regulators and merchants pushing to cut the fees charged on card transactions.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 19, 2026
- Legal name
- CAPITAL ONE FINANCIAL CORP
- CIK
- 0000927628
Capital One · COF
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $30.4B | $34.3B | $36.8B | $39.1B | $53.4B |
| Revenue growth | 6.7% | 12.5% | 7.4% | 6.3% | 36.6% |
| Net interest income | $24.2B | $27.1B | $29.2B | $31.2B | $42.9B |
| Net income | $12.4B | $7.4B | $4.9B | $4.8B | $2.5B |
| Net margin | 40.7% | 21.5% | 13.3% | 12.1% | 4.6% |
| Diluted EPS | $26.94 | $17.91 | $11.95 | $11.59 | $4.03 |
| Cash | |||||
| Dividends paid | $1.1B | $950M | $931M | $932M | $1.5B |
| Share buybacks | $7.6B | $4.9B | $718M | $734M | $4.1B |
| Share count change | −3.2% | −11.5% | −2.5% | 0.1% | 41.1% |
| Debt and strength | |||||
| Deposits | $311.0B | $333.0B | $348.4B | $362.7B | $475.8B |
| Shareholders' equity | $61.0B | $52.6B | $58.1B | $60.8B | $113.6B |
| Returns and quality | |||||
| Return on equity | 20.4% | 13.0% | 8.8% | 8.0% | 2.8% |
| Return on tangible equity | 26.1% | 16.8% | 11.4% | 10.1% | 3.8% |
| Efficiency ratio | 54.4% | 56.0% | 55.2% | 54.9% | 57.1% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$67.1M
12 insiders
Of sales under plans
97%
$65.1M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Capital One · COF
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| Capital One COF | $109.5B | 36.6% | 4.6% | 2.8% | 12.1x | — |
| American Express AXP | $219.3B | 9.5% | 15.0% | 34.0% | 17.7x | — |
| Synchrony Financial SYF | $28.0B | −2.8% | 18.7% | 21.3% | 7.8x | — |
| Ally Financial ALLY | $12.1B | −3.3% | 10.8% | 5.8% | 9.1x | — |
| SoFi Technologies SOFI | $18.1B | 35.1% | 13.3% | 5.7% | 29.5x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $202.35 a share, the company is worth $109.5B: 12.1 times its earnings of the last four quarters.
Capital One grew sales faster than 4 of its 4 similar companies. Its P/E is higher than 2 of 4.
Source: SEC EDGAR XBRL filings (CIK 0000927628). Data updated October 9, 2026. For information only — not investment advice. Check the original filings before relying on any figure.