Capital One Financial Corporation logo

Capital One Financial Corporation

COF-PI

NYSEFinancial ServicesFinancial - Credit Services

Previous close

$17.65

−$0.03 · -0.17%

Aug 21, 4:00 PM ET

COF-PI 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

38

Weakening

Sentiment

60

Mixed

Risk resilience

77

Moderate Risk

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Company profile

Company website

Capital One Financial Corporation functions as the parent company for Capital One Bank (USA), National Association, and Capital One, National Association, delivering a comprehensive array of financial products and services across the United States, Canada, and the United Kingdom. The company's business activities are structured into three main divisions: Credit Card, Consumer Banking, and Commercial Banking. It provides various deposit accounts, including checking, money market, negotiable order of withdrawal, savings, and time deposits. Its lending offerings span credit card loans, auto and retail banking loans, as well as commercial and multifamily real estate and industrial loans. Furthermore, Capital One supplies credit and debit card products, direct online banking solutions, and treasury management alongside depository services. The corporation caters to a diverse clientele, including individual consumers, small enterprises, and large commercial organizations, reaching them through digital platforms, physical branches, cafés, and other distribution networks located notably in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was established in 1988 and is headquartered in McLean, Virginia.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Richard D. Fairbank
Listed since
Sep 5, 2019
Employees
76,300

Market position

Day range

Current $17.65

52-week range

Current $17.65

Open
$17.65
Previous close
$17.68
Volume
135.08K
1.03× average
Average volume
131.52K
Average daily volume
Market cap
129.94B USD
Beta
1.02
Market reference 1
50-day average
$18.0746
-2.35% below average
200-day average
$18.8585
-6.41% below average

Financials

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.

Earnings

EPS beat rate
57%
4 beats, 3 misses, 0 met estimates
Average EPS surprise
+7.40%
7 comparable reports
Latest EPS result
5.81
Estimate 4.79 · Beat by 21.29%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates6.054.913.762.62Q1 '25No estimateQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 2.86, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 22, 2025: actual 3.66, estimate 3.64, surprise +0.55%, Beat. Q3 2025, reported Jul 22, 2025: actual 5.48, estimate 4.05, surprise +35.31%, Beat. Q4 2025, reported Oct 21, 2025: actual 4.99, estimate 4.49, surprise +11.14%, Beat. Q1 2026, reported Jan 22, 2026: actual 3.86, estimate 4.14, surprise -6.76%, Miss. Q2 2026, reported Apr 21, 2026: actual 4.42, estimate 4.5, surprise -1.78%, Miss. Q3 2026, reported Jul 21, 2026: actual 5.81, estimate 4.79, surprise +21.29%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 5.37, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates16.94B14.34B11.73B9.12BQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 9.77B USD, estimate 10.06B USD, surprise -2.85%, Miss. Q2 2025, reported Apr 22, 2025: actual 13.41B USD, estimate 10.05B USD, surprise +33.40%, Beat. Q3 2025, reported Jul 22, 2025: actual 12.49B USD, estimate 12.37B USD, surprise +1.02%, Beat. Q4 2025, reported Oct 21, 2025: actual 15.36B USD, estimate 15.07B USD, surprise +1.90%, Beat. Q1 2026, reported Jan 22, 2026: actual 15.58B USD, estimate 15.47B USD, surprise +0.74%, Beat. Q2 2026, reported Apr 21, 2026: actual 15.23B USD, estimate 15.35B USD, surprise -0.75%, Miss. Q3 2026, reported Jul 21, 2026: actual 15.85B USD, estimate 15.76B USD, surprise +0.58%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 16.29B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

36 ratings
Strong buy00%
Buy1644%
Hold1542%
Sell514%
Strong sell00%

COF-PI peers

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