Capital One Financial Corporation logo

Capital One Financial Corporation

COF

NYSEFinancial ServicesFinancial - Credit Services

Previous close

$217.91

+$5.435 · +2.56%

Aug 21, 4:00 PM ET

COF company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

87

Deep Value

Momentum

44

Neutral

Sentiment

71

Bullish

Risk resilience

65

Moderate Risk

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Company profile

Company website

Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company. It oversees essential subsidiaries such as Capital One Bank (USA), National Association, and Capital One, National Association, which collectively offer a broad spectrum of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its extensive operations into three core divisions: Credit Card, Consumer Banking, and Commercial Banking. Clients can utilize various deposit instruments, including checking accounts, money market accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, and time deposits. Capital One's lending solutions are equally comprehensive, encompassing credit card financing, personal auto and retail banking loans, as well as significant commercial and multifamily real estate loans, and broader commercial and industrial credit facilities. Furthermore, the corporation provides credit and debit card issuance, robust online direct banking capabilities, and specialized treasury management and custodial services. Capital One serves a diverse clientele that includes individual consumers, small enterprises, and large commercial entities. It reaches these customers through a multi-channel approach, leveraging digital platforms, traditional physical branches, innovative café locations, and other distribution points, particularly within key states like New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Established in 1988, Capital One Financial Corporation maintains its primary executive offices in McLean, Virginia.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Richard D. Fairbank
Listed since
Nov 16, 1994
Employees
78,400

Market position

Day range

Current $217.91

52-week range

Current $217.91

Open
$214.62
Previous close
$212.48
Volume
2.89M
0.65× average
Average volume
4.41M
Average daily volume
Market cap
133.68B USD
Beta
1.02
Market reference 1
50-day average
$207.89
+4.82% above average
200-day average
$207.6
+4.97% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
124.61B USD
EV / EBITDA
16.52×
Earnings yield
1.87%
Free cash flow yield
19.95%

Profitability & efficiency

Return on equity
2.16%
Return on assets
0.37%
Return on invested capital
1.09%

Financial health

Current ratio
0.15×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends111%72%33%-6%Gross margin, FY2021: 101.08%Gross margin, FY2022: 74.02%Gross margin, FY2023: 53.27%Gross margin, FY2024: 50.79%Gross margin, FY2025: 47.33%Operating margin, FY2021: 49.35%Operating margin, FY2022: 24.08%Operating margin, FY2023: 12.22%Operating margin, FY2024: 10.96%Operating margin, FY2025: 3.29%Net margin, FY2021: 38.68%Net margin, FY2022: 19.18%Net margin, FY2023: 9.88%Net margin, FY2024: 8.81%Net margin, FY2025: 3.54%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 101.08%. Gross margin FY2022 74.02%. Gross margin FY2023 53.27%. Gross margin FY2024 50.79%. Gross margin FY2025 47.33%. Operating margin FY2021 49.35%. Operating margin FY2022 24.08%. Operating margin FY2023 12.22%. Operating margin FY2024 10.96%. Operating margin FY2025 3.29%. Net margin FY2021 38.68%. Net margin FY2022 19.18%. Net margin FY2023 9.88%. Net margin FY2024 8.81%. Net margin FY2025 3.54%.

Income trends

Revenue

69.25B USD+28.39%

Operating income

2.28B USD-61.40%

Net income

2.45B USD-48.36%
Income trends across reported periods75.95B USD49.16B USD22.37B USD−4.42B USDRevenue, FY2021: 32.03B USDRevenue, FY2022: 38.37B USDRevenue, FY2023: 49.48B USDRevenue, FY2024: 53.94B USDRevenue, FY2025: 69.25B USDOperating income, FY2021: 15.81B USDOperating income, FY2022: 9.24B USDOperating income, FY2023: 6.05B USDOperating income, FY2024: 5.91B USDOperating income, FY2025: 2.28B USDNet income, FY2021: 12.39B USDNet income, FY2022: 7.36B USDNet income, FY2023: 4.89B USDNet income, FY2024: 4.75B USDNet income, FY2025: 2.45B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 32.03B USD. Revenue FY2022 38.37B USD. Revenue FY2023 49.48B USD. Revenue FY2024 53.94B USD. Revenue FY2025 69.25B USD. Operating income FY2021 15.81B USD. Operating income FY2022 9.24B USD. Operating income FY2023 6.05B USD. Operating income FY2024 5.91B USD. Operating income FY2025 2.28B USD. Net income FY2021 12.39B USD. Net income FY2022 7.36B USD. Net income FY2023 4.89B USD. Net income FY2024 4.75B USD. Net income FY2025 2.45B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue69.25B USD53.94B USD49.48B USD38.37B USD32.03B USD
Cost of goods sold36.47B USD26.54B USD23.12B USD9.97B USD−346M USD
Gross profit32.78B USD27.4B USD26.36B USD28.4B USD32.38B USD
Selling, general, and administrative18.36B USD13.96B USD13.31B USD12.44B USD10.29B USD
Operating expenses30.5B USD21.49B USD20.32B USD19.16B USD16.57B USD
Interest income58.7B USD46.03B USD41.94B USD31.24B USD25.77B USD
Interest expense15.82B USD14.83B USD12.7B USD4.12B USD1.6B USD
Depreciation and amortization5.26B USD3.24B USD3.23B USD3.21B USD3.48B USD
Operating income2.28B USD5.91B USD6.05B USD9.24B USD15.81B USD
Net income2.45B USD4.75B USD4.89B USD7.36B USD12.39B USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

57 ratings
Strong buy00%
Buy3663%
Hold1730%
Sell47%
Strong sell00%

COF news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$2.60

2025 complete year+0.0% since 2021

2026 partial: $2.40

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 17, 2026

$0.80

Quarterly

Record Aug 17, 2026 · Payment Sep 1, 2026

Dividend

Ex-dividend May 19, 2026

$0.80

Quarterly

Record May 19, 2026 · Payment Jun 1, 2026

Dividend

Ex-dividend Feb 19, 2026

$0.80

Quarterly

Record Feb 19, 2026 · Payment Mar 2, 2026

Dividend

Ex-dividend Nov 17, 2025

$0.80

Quarterly

Record Nov 17, 2025 · Payment Dec 1, 2025

Dividend

Ex-dividend Aug 15, 2025

$0.60

Quarterly

Record Aug 15, 2025 · Payment Sep 2, 2025

Dividend

Ex-dividend May 23, 2025

$0.60

Quarterly

Record May 23, 2025 · Payment Jun 5, 2025

COF peers

ETFs holding COF

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