Overview
CAPITAL ONE FINANCIAL CORP
Latest 10-K: FY2025, filed Feb 19, 2026 · Open the 10-K (Inline XBRL) ↗
- Revenue
- $53.43B
- 36.6%YoYup from FY2024
- TotalRevenue
- Gross profit
- Not reported
- Net income
- $2.45B
- 48.4%YoYdown from FY2024
- NetIncome
- Diluted EPS
- $4.03
- 65.2%YoYdown from FY2024
- EPSDiluted
- Diluted shares
- 541.3M
- 41.1%YoYup from FY2024
- WeightedAvgSharesDiluted
At a glance
Growth
- CAPITAL ONE FINANCIAL CORP reported revenue of $53.43B for fiscal 2025, up 36.6% from fiscal 2024.
- Revenue grew faster than the median S&P 500 member in 4 of the last 5 fiscal years.
Profitability
- Net margin was 4.6%, against a median of 12.8% across S&P 500 members for the same fiscal year.
Per share
- Diluted EPS was $4.03, down 65.2% from the prior year.
Written from the filed figures on this page by fixed rules — no AI.
Data as of Oct 30, 2026 · Sources: SEC EDGAR 10-K
Financial statements
Annual figures from the 10-K, most recent fiscal year first.
Income Statement
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $53.43B36.6%up Benchmark median 6.4% | $39.11B6.3%up Benchmark median 4.5% | $36.79B7.4%up Benchmark median 4.8% | $34.25B12.5%up Benchmark median 10.3% | $30.43B6.7%up Benchmark median 13.8% | 15.1% Benchmark median 6.6% |
| Gross Profit Median of 315 / 498 | — | — | — | — | — | — Benchmark median 6.2% |
| Operating Income Median of 373 / 498 | — | — | — | — | — | — Benchmark median 7.2% |
| Net Income | $2.45B48.4%down Benchmark median 4.8% | $4.75B2.8%down Benchmark median 5.7% | $4.89B33.6%down Benchmark median 1.9% | $7.36B40.6%down Benchmark median 1.3% | $12.39B356.5%up Benchmark median 33.9% | -33.3% Benchmark median 4.1% |
| EPS (Diluted) | $4.0365.2%down Benchmark median 6.2% | $11.593.0%down Benchmark median 7.9% | $11.9533.3%down Benchmark median 1.9% | $17.9133.5%down Benchmark median 1.5% | $26.94420.1%up Benchmark median 34.8% | -37.8% Benchmark median 5.6% |
Balance Sheet
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Total Assets | $669.01B36.5%up Benchmark median 5.6% | $490.14B2.4%up Benchmark median 3.4% | $478.46B5.1%up Benchmark median 4.1% | $455.25B5.3%up Benchmark median 2.2% | $432.38B2.6%up Benchmark median 6.7% | 11.5% Benchmark median 4.7% |
| Total Liabilities Median of 357 / 498 | $555.39B29.4%up Benchmark median 6.4% | $429.36B2.1%up Benchmark median 1.9% | $420.38B4.4%up Benchmark median 2.9% | $402.67B8.4%up Benchmark median 2.0% | $371.35B2.8%up Benchmark median 5.2% | 10.6% Benchmark median 4.4% |
| Stockholders' Equity | $113.62B86.9%up Benchmark median 6.8% | $60.78B4.6%up Benchmark median 5.4% | $58.09B10.5%up Benchmark median 7.3% | $52.58B13.8%down Benchmark median 2.5% | $61.03B1.4%up Benchmark median 9.0% | 16.8% Benchmark median 6.1% |
| Cash & Equivalents | $3.03B0.1%up Benchmark median 5.2% | $3.03B38.2%down Benchmark median 1.9% | $4.90B5.6%down Benchmark median 6.7% | $5.19B24.7%up Benchmark median -8.6% | $4.16B11.6%down Benchmark median -2.9% | -7.6% Benchmark median 2.0% |
| Total Debt | $51.00B12.0%up Benchmark median 2.1% | $45.55B8.6%down Benchmark median 0.2% | $49.86B2.3%up Benchmark median 0.3% | $48.72B13.1%up Benchmark median 0.1% | $43.09B6.3%up Benchmark median -0.1% | 4.3% Benchmark median 4.3% |
Cash Flow Statement
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $27.72B52.6%up Benchmark median 6.3% | $18.16B11.7%down Benchmark median 4.8% | $20.57B49.0%up Benchmark median 9.9% | $13.81B12.2%up Benchmark median -0.7% | $12.31B26.3%down Benchmark median 10.7% | 22.5% Benchmark median 7.0% |
| Capital Expenditures | $1.58B31.1%up Benchmark median 5.4% | $1.20B25.3%up Benchmark median 2.8% | $0.96B2.9%up Benchmark median 11.3% | $0.93B33.8%up Benchmark median 14.0% | $0.70B1.7%down Benchmark median 8.1% | 22.6% Benchmark median 9.0% |
| Free Cash Flow Median of 378 / 498 | $26.14B54.2%up Benchmark median 7.3% | $16.95B13.6%down Benchmark median 6.1% | $19.61B52.3%up Benchmark median 8.8% | $12.88B10.9%up Benchmark median -11.3% | $11.61B27.4%down Benchmark median 10.2% | 22.5% Benchmark median 4.9% |
n/m: not meaningful — the base (the prior year, or the first year for the CAGR) was zero or negative, or a per-share figure’s share basis changed (stock split). “—” means the figure is not available.
Benchmark median = median of the companies in the benchmark universe on Dec 31 of each fiscal year, from their own 10-K filings; a change counts only companies whose prior year was positive. Each median uses every member that reports the line item; where fewer than 80% do (banks and insurers file no gross profit), the row names how many. Published where at least 250 companies report it. Updated 2026-10-27. This compares reported figures, not share-price returns. Methodology
Ratios & valuation
FY2025Every ratio read two ways: Wall Street’s popular formula and the value investor’s stricter one. Same question, same unit. Pick a ratio.
Valuation · Earnings yield
What a dollar of market value earned
1.7%
Wall Street
on net earnings
FY2024 6.5%
19.9%
Value investor
on free cash flow
FY2024 24.8%
Gap +18.2 pts: Value-investor figure 18.2 points higher
How it’s calculated
Wall Street · on net earnings
Diluted EPS ÷ fiscal-year-end share price (1 ÷ P/E)
pe_ratio (ratio table)
P/E 60.1×Value investor · on free cash flow
(Operating cash flow − capital expenditures) ÷ market capitalisation (fiscal-year-end close × weighted-average diluted shares)
free cash flow ÷ market cap
Valuation · Book yield
Net assets behind a dollar of market value
86.6%
Wall Street
on book equity
FY2024 88.9%
52.2%
Value investor
on tangible book
FY2024 66.5%
Gap −34.4 pts: Value-investor figure 34.4 points lower
How it’s calculated
Wall Street · on book equity
Book value of equity ÷ market capitalisation (1 ÷ P/B)
pb_ratio (ratio table)
P/B 1.2×Value investor · on tangible book
Tangible book value (equity less goodwill and intangibles) ÷ market capitalisation
tangible_book_value_per_share ÷ (pb_ratio × book_value_per_share)
Quality · Return on capital
Profit earned on the money in the business
2.8%
Wall Street
ROE: net income ÷ equity
FY2024 8.0%
— Not reported
Value investor
ROIC: after-tax operating profit ÷ invested capital
FY2024 — Not reported
How it’s calculated
Wall Street · ROE: net income ÷ equity
Net income ÷ average stockholders' equity (start and end of year), including noncontrolling interests. Buybacks shrink equity and lift it.
return_on_equity (ratio table)
Value investor · ROIC: after-tax operating profit ÷ invested capital
Operating profit after tax ÷ invested capital (total assets − cash − non-interest-bearing current liabilities), so leverage cannot flatter it
roic (ratio table)
Quality · Cash margin
Cash profit kept from each dollar of sales
— Not reported
Wall Street
EBITDA margin
FY2024 — Not reported
48.9%
Value investor
Free-cash-flow margin
FY2024 43.3%
How it’s calculated
Wall Street · EBITDA margin
EBITDA ÷ revenue
ebitda ÷ revenue
Value investor · Free-cash-flow margin
(Operating cash flow − capital expenditures) ÷ revenue: taxes, interest, working capital and capex all paid
free cash flow ÷ revenue
Balance sheet · Debt cover
How many times one year of earnings repays all debt
— Not reported
Wall Street
EBITDA ÷ total debt
FY2024 — Not reported
0.51×
Value investor
FCF ÷ total debt
FY2024 0.37×
How it’s calculated
Wall Street · EBITDA ÷ total debt
EBITDA ÷ total debt (short-term + long-term)
ebitda ÷ total debt
Value investor · FCF ÷ total debt
Free cash flow ÷ total debt: what is actually left to repay it
free cash flow ÷ total debt
Each ratio measures one thing two ways, in the same unit: the popular formula, then a stricter one, so a lower figure is the stricter reading. Gap = value-investor figure minus Wall Street figure, from the figures shown.
Price-based ratios use the fiscal-year-end closing price. Free cash flow = operating cash flow − capital expenditures (we compute it; filings rarely report it). n/m = not meaningful (denominator ≤ 0); “—” = not reported. Each ratio’s formulas are under “How it’s calculated”.
Smart money
Showing the most recent 5 annual periods. Get longer history on the Pro plan, or the full history (1993–present) plus the smart-money dataset and webhooks on Institutional.
Peers, filings & research
Research Reports
No published research on COF yet.
Reports appear here as analysts publish research on this company — built with Valuein's agentic workflows on data pinned to its SEC filing. Be the first: run equity_research_brief on COF and publish the result to your public profile.
Cite this page
Data as of Oct 30, 2026. Canonical address: https://valuein.biz/data/COF
Valuein. (2026, October 30). CAPITAL ONE FINANCIAL CORP (COF) financial statements, earnings power and smart-money summary [Data set]. Source: SEC EDGAR filings. https://valuein.biz/data/COF
@misc{valuein_cof_2026,
author = {{Valuein}},
title = {CAPITAL ONE FINANCIAL CORP (COF) financial statements, earnings power and smart-money summary},
year = {2026},
howpublished = {\url{https://valuein.biz/data/COF}},
note = {Data as of 2026-10-30; source: SEC EDGAR filings}
}10-K filed Feb 19, 2026 · accession 0000927628-26-000024
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