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Capital One

COF NYSE Consumer Finance Financials FY2016–FY2025

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, cafΓ©s, 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.

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Last close Β· Oct 26, 2026

$202.35

0.5%
Value it Compare

What Capital One does

COF Β· Consumer Finance

From its latest annual report

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, cafΓ©s, 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. It competes with other card issuers, including those using Visa and Mastercard, American Express, banks, credit unions and financial technology firms.

In May 2025 Capital One bought Discover, for consideration valued at $51.8 billion. The deal brought in the Discover and PULSE payment networks and Diners Club, so Capital One now also runs networks that process card payments. In January 2026 it agreed to buy Brex for $5.15 billion. It had about 76,300 employees at the end of 2025.

Filing details

Legal name
CAPITAL ONE FINANCIAL CORP
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Feb 19, 2026
Accession Β· CIK
0000927628-26-000024 Β· 0000927628
Biggest risks, in its own words

Earnings calendar Β· Capital One

Every quarter, companies publish how much they sold and earned. These are the days Capital One did it, and the next one. Share prices often move a lot on those days.

Next results

January 21, 2027

Thursday Β· in 86 days

Time
After the market closes
Covers
Period ended Dec 31, 2026
Source
Stoqly estimate

Estimated from the same quarter last year. It will be replaced by the announced date once there is one.

See who else reports that week β†’
Date Results for Time Source
Oct 20, 2026 Period ended Sep 30, 2026 After the market closes 8-K β†—
Jul 21, 2026 Q2 '26 After the market closes 8-K β†—
Apr 21, 2026 Q1 '26 After the market closes 8-K β†—
Jan 22, 2026 Q4 '25 After the market closes 8-K β†—
Oct 20, 2025 Q3 '25 Time not announced 8-K β†—
Jul 22, 2025 Q2 '25 After the market closes 8-K β†—
Apr 22, 2025 Q1 '25 After the market closes 8-K β†—
Jan 21, 2025 Q4 '24 After the market closes 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

KIRA’s summary AI analyst

Hi! I read Capital One’s latest annual report (fiscal 2025). Here is what stands out:

2 strengths 1 to watch

1.Sales and profit

See section β†’
  • 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 βˆ’5.8% a year.

2.Cash and shareholders

See section β†’
  • Capital One returned $5.6B to shareholders in fiscal 2025. The diluted share count rose 41.1%.
  • In the last 12 months, insiders sold $67.1M of shares on the open market and bought none.

4.Price and value

See section β†’
  • 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.

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.
  • Not having enough funding, liquidity or capital, or facing stricter capital rules.

Capital One in 30 seconds

Good So-so Weak

Good

Are sales growing?

+36.6%

Yes. Sales grew 36.6% last year.

So-so

Does it make a profit?

4.6%

A little. It keeps 4.6% of every sale as profit.

So-so

How lean are its costs?

57.1%

Average. Running costs take 57.1% of revenue.

Weak

How much does it earn on its capital?

2.8%

Low. It earns 2.8% a year on shareholders’ money.

For information

How is the share priced?

12.1x

One share costs 12.1 times its yearly profit per share. Typical for its sector: 13.7x.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
$109.5B
Oct 26 close
P/E Last close divided by diluted earnings per share over the last four quarters.
12.1x
On $16.70 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· 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.

See the full section β†’

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA Β· It earned 2.8% on shareholders’ money. Running costs took 57.1% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· Capital One made $2.5B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew βˆ’5.8% a year.

See the full section β†’

Return on equity

Net income as a share of average shareholders' equity.

KIRA Β· It earned 2.8% on shareholders’ money. Running costs took 57.1% of revenue (the efficiency ratio; lower is better).

See the full section β†’
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Revenue and margins

KIRA Β· 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.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Revenue

Revenue

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net income and earnings per share

KIRA Β· Capital One made $2.5B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew βˆ’5.8% a year.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income

Net income

Diluted EPS

Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

KIRA Β· Capital One returned $5.6B to shareholders in fiscal 2025. The diluted share count rose 41.1%.

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks

Dividends Buybacks

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

Insider trades

KIRA Β· In the last 12 months, insiders sold $67.1M of shares on the open market and bought none.

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$67.1M

12 insiders

Of sales under plans

97%

$65.1M

DateInsiderTradeSharesPriceValueFiling
Oct 15, 2026 Lia DeanPres, Banking & Prem. Products Sold plan 1,887 $195.86 $0.4M Form 4
Oct 15, 2026 Celia KaramPres, Retail Bank Sold plan 1,927 $195.86 $0.4M Form 4
Oct 6, 2026 Matthew W CooperGeneral Counsel & Corp Secy Sold plan 3,500 $196.22 $0.7M Form 4
Sep 15, 2026 Celia KaramPres, Retail Bank Sold plan 2,017 $206.07 $0.4M Form 4
Sep 15, 2026 Lia DeanPres, Banking & Prem. Products Sold plan 2,066 $206.07 $0.4M Form 4
Sep 1, 2026 Matthew W CooperGeneral Counsel & Corp Secy Sold plan 3,500 $214.10 $0.7M Form 4
Aug 17, 2026 Celia KaramPres, Retail Bank Sold plan 1,888 $225.52 $0.4M Form 4
Aug 17, 2026 Lia DeanPres, Banking & Prem. Products Sold plan 2,193 $225.52 $0.5M Form 4
Aug 13, 2026 Mark Daniel MouadebPresident, Card Sold plan 1,199 $225.00 $0.3M Form 4
Aug 10, 2026 Michael ZamskyChief Credit & Fin'l Risk Off. Sold 5,473 $218.02 $1.2M Form 4
Aug 7, 2026 Ravi RaghuPres, Software, Intl & Sm Bus Sold plan 50 $218.49 $0.0M Form 4
Aug 4, 2026 Mark Daniel MouadebPresident, Card Sold plan 1,183 $220.00 $0.3M Form 4
Aug 4, 2026 Matthew W CooperGeneral Counsel & Corp Secy Sold plan 3,500 $219.33 $0.8M Form 4
Aug 3, 2026 Mark Daniel MouadebPresident, Card Sold plan 690 $215.00 $0.1M Form 4
Jul 31, 2026 Ravi RaghuPres, Software, Intl & Sm Bus Sold plan 9,726 $209.78 $2.0M Form 4
Jul 29, 2026 Timothy P GoldenSVP, Chief Accounting Officer Sold 3,487 $211.00 $0.7M Form 4
Jul 7, 2026 Matthew W CooperGeneral Counsel & Corp Secy Sold plan 3,500 $208.00 $0.7M Form 4
Jun 2, 2026 Matthew W CooperGeneral Counsel & Corp Secy Sold plan 3,500 $183.36 $0.6M Form 4
May 13, 2026 Kaitlin HaggertyChief Human Resources Officer Sold plan 119 $182.59 $0.0M Form 4
May 12, 2026 Kaitlin HaggertyChief Human Resources Officer Sold plan 1,307 $183.93 $0.2M Form 4
May 12, 2026 Matthew W CooperGeneral Counsel & Corp Secy Sold plan 3,500 $183.93 $0.6M Form 4
May 1, 2026 Celia KaramPres, Retail Bank Sold plan 1,749 $192.58 $0.3M Form 4
Apr 1, 2026 Lia DeanPres, Banking & Prem. Products Sold plan 1,692 $185.61 $0.3M Form 4
Apr 1, 2026 Celia KaramPres, Retail Bank Sold plan 1,099 $185.61 $0.2M Form 4
Mar 2, 2026 Lia DeanPres, Banking & Prem. Products Sold plan 3,284 $191.00 $0.6M Form 4
Mar 2, 2026 Celia KaramPres, Retail Bank Sold plan 1,636 $191.00 $0.3M Form 4
Feb 26, 2026 Mark Daniel MouadebPresident, Card Sold plan 1,593 $210.00 $0.3M Form 4
Feb 25, 2026 Mark Daniel MouadebPresident, Card Sold plan 1,509 $202.62 $0.3M Form 4
Feb 25, 2026 Jason P. HansonPres.- Global Payment Network Sold plan 3,729 $205.00 $0.8M Form 4
Feb 24, 2026 Neal BlindePresident, Commercial Banking Sold plan 38,135 $190.51 $7.3M Form 4
Feb 4, 2026 Lia DeanPres, Banking & Prem. Products Sold plan 3,284 $223.68 $0.7M Form 4
Feb 2, 2026 Celia KaramPres, Retail Bank Sold plan 2,108 $218.25 $0.5M Form 4
Jan 6, 2026 Matthew W CooperGeneral Counsel & Corp Secy Sold plan 2,000 $250.00 $0.5M Form 4
Jan 5, 2026 Ravi RaghuPres, Software, Intl & Sm Bus Sold plan 13,450 $250.00 $3.4M Form 4
Jan 2, 2026 Celia KaramPres, Retail Bank Sold plan 2,064 $244.35 $0.5M Form 4
Jan 2, 2026 Lia DeanPres, Banking & Prem. Products Sold plan 3,163 $244.35 $0.8M Form 4
Dec 2, 2025 Matthew W CooperGeneral Counsel & Corp Secy Sold plan 2,000 $221.54 $0.4M Form 4
Dec 1, 2025 Lia DeanPres, Banking & Prem. Products Sold plan 3,269 $218.15 $0.7M Form 4
Dec 1, 2025 Celia KaramPres, Retail Bank Sold plan 2,936 $218.15 $0.6M Form 4
Nov 13, 2025 III Frank G. LaPradeChief Enterprise Srvcs Officer Sold plan 17,840 $222.03 $4.0M Form 4
Nov 6, 2025 Neal BlindePresident, Commercial Banking Sold plan 43,200 $221.83 $9.6M Form 4
Nov 4, 2025 Richard D FairbankChairman and CEO, Director Sold plan 103,487 $220.68 $22.8M Form 4
Nov 4, 2025 Matthew W CooperGeneral Counsel & Corp Secy Sold plan 2,000 $219.41 $0.4M Form 4
Oct 27, 2025 Richard D FairbankChairman and CEO, Director Sold plan 103,486 $225.68 $23.4M Form 4
Oct 2, 2025 Matthew W CooperGeneral Counsel & Corp Secy Sold plan 2,000 $211.99 $0.4M Form 4

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Loans and deposits

Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Deposits $311.0B$333.0B$348.4B$362.7B$475.8B
Total assets $432.4B$455.2B$478.5B$490.1B$669.0B
Shareholders' equity $61.0B$52.6B$58.1B$60.8B$113.6B
Goodwill $14.8B$14.8B$15.1B$15.1B$28.5B
Intangible assets $111M$159M$310M$233M$16.6B

Returns and efficiency

KIRA Β· It earned 2.8% on shareholders’ money. Running costs took 57.1% of revenue (the efficiency ratio; lower is better).

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

Price and value

What does the share cost, and how does it compare?

Value Capital One yourself

KIRA Β· At $202.35 a share, the company is worth $109.5B: 12.1 times its earnings of the last four quarters.

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets β€” the answer depends entirely on what you put in.

In plain words: Move the sliders to try your own guesses about growth. The result is what one share would be worth if those guesses came true. Different guesses give very different answers.

Earnings multiple

Value per share

β€”

Reference multiples: today 12.1x Β· peers 13.4x Β· sector 13.7x.

Similar companies

KIRA Β· Capital One grew sales faster than 4 of its 4 similar companies. Its P/E is higher than 2 of 4.

Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.

In plain words: The same numbers for similar companies, so you can tell whether a figure is high or low for this kind of business.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Capital One COF $109.5B 36.6% β€” β€” β€” 12.1x β€”
American Express AXP $219.3B 9.5% β€” β€” β€” 17.7x β€” Compare β†’
Synchrony Financial SYF $28.0B βˆ’2.8% β€” β€” β€” 7.8x β€” Compare β†’
Ally Financial ALLY $12.1B βˆ’3.3% β€” β€” β€” 9.1x β€” Compare β†’
SoFi Technologies SOFI $18.1B 35.1% β€” β€” β€” 29.5x β€” Compare β†’

All figures

Every number, year by year.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $25.5B $27.2B $28.1B $28.6B $28.5B $30.4B $34.3B $36.8B $39.1B $53.4B
Net interest income $20.9B $22.5B $22.9B $23.3B $22.9B $24.2B $27.1B $29.2B $31.2B $42.9B
Noninterest income $4.6B $4.8B $5.2B $5.3B $5.6B $6.3B $7.1B $7.5B $7.9B $10.6B
Noninterest expense $13.6B $14.2B $14.9B $15.5B $15.1B $16.6B $19.2B $20.3B $21.5B $30.5B
Provision for credit losses $6.5B $7.6B $5.9B $6.2B $10.3B βˆ’$1.9B $5.8B $10.4B $11.7B $20.7B
Pretax income $5.5B $5.5B $7.3B $6.9B $3.2B $15.8B $9.2B $6.0B $5.9B $2.3B
Income tax $1.7B $3.4B $1.3B $1.3B $486M $3.4B $1.9B $1.2B $1.2B $193M
Net income $3.8B $2.0B $6.0B $5.5B $2.7B $12.4B $7.4B $4.9B $4.8B $2.5B
Net income to common $3.5B $1.7B $5.7B $5.2B $2.4B $12.0B $7.0B $4.6B $4.4B $2.2B
Diluted EPS $6.89 $3.49 $11.82 $11.05 $5.18 $26.94 $17.91 $11.95 $11.59 $4.03
Diluted shares 0.51B 0.49B 0.48B 0.47B 0.46B 0.44B 0.39B 0.38B 0.38B 0.54B
Cash flow
Stock-based compensation $239M $244M $170M $239M $203M $331M $314M $513M $569M $776M
Share buybacks $3.7B $240M $2.3B $1.5B $393M $7.6B $4.9B $718M $734M $4.1B
Dividends paid $812M $780M $773M $753M $460M $1.1B $950M $931M $932M $1.5B
Dividends and buybacks $4.5B $1.0B $3.1B $2.2B $853M $8.8B $5.9B $1.6B $1.7B $5.6B
Balance sheet
Loans, net $239.1B $247.0B $238.7B $258.6B β€” β€” β€” β€” β€” β€”
Deposits $236.8B $243.7B $249.8B $262.7B $305.4B $311.0B $333.0B $348.4B $362.7B $475.8B
Goodwill $14.5B $14.5B $14.5B $14.7B $14.7B $14.8B $14.8B $15.1B $15.1B $28.5B
Intangible assets $665M $421M $254M $174M $90.0M $111M $159M $310M $233M $16.6B
Total assets $357.0B $365.7B $372.5B $390.4B $421.6B $432.4B $455.2B $478.5B $490.1B $669.0B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $47.5B $48.7B $51.7B $58.0B $60.2B $61.0B $52.6B $58.1B $60.8B $113.6B
Margins
Net margin 14.7% 7.3% 21.4% 19.4% 9.5% 40.7% 21.5% 13.3% 12.1% 4.6%
Net interest share of revenue 81.9% 82.5% 81.5% 81.6% 80.3% 79.4% 79.2% 79.5% 79.8% 80.2%
Efficiency ratio 53.2% 52.1% 53.1% 54.2% 52.8% 54.4% 56.0% 55.2% 54.9% 57.1%
Returns
Return on equity 7.9% 4.1% 12.0% 10.1% 4.6% 20.4% 13.0% 8.8% 8.0% 2.8%
Return on assets 1.1% 0.6% 1.6% 1.5% 0.7% 2.9% 1.7% 1.1% 1.0% 0.4%
Return on tangible equity 11.0% 5.2% 16.2% 13.0% 5.4% 26.1% 16.8% 11.4% 10.1% 3.8%
Growth
Revenue growth 8.9% 6.8% 3.1% 1.8% βˆ’0.2% 6.7% 12.5% 7.4% 6.3% 36.6%
Net income growth βˆ’7.4% βˆ’47.2% 203.5% βˆ’7.8% βˆ’51.1% 356.5% βˆ’40.6% βˆ’33.6% βˆ’2.8% βˆ’48.4%
EPS growth βˆ’2.6% βˆ’49.4% 238.7% βˆ’6.5% βˆ’53.1% 420.1% βˆ’33.5% βˆ’33.3% βˆ’3.0% βˆ’65.2%
Share count change βˆ’7.0% βˆ’4.2% βˆ’1.1% βˆ’2.7% βˆ’2.3% βˆ’3.2% βˆ’11.5% βˆ’2.5% 0.1% 41.1%
Financial health
Loans / deposits 101.0% 101.3% 95.6% 98.4% β€” β€” β€” β€” β€” β€”
Provision / loans 2.8% 3.1% 2.4% 2.5% β€” β€” β€” β€” β€” β€”
Capital allocation
Stock comp / revenue 0.9% 0.9% 0.6% 0.8% 0.7% 1.1% 0.9% 1.4% 1.5% 1.5%

Source: SEC EDGAR XBRL filings (CIK 0000927628). Data updated October 9, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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