Capital One Financial Corporation logo

Capital One Financial Corporation

COF-PJ

NYSEFinancial ServicesFinancial - Credit Services

Latest quote

$16.86

−$0.03 · -0.18%

Aug 24, 4:00 PM ET

After-hours

$16.86

$0.00 · 0.00%

Aug 24, 4:10 PM ET

COF-PJ 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

39

Weakening

Sentiment

60

Mixed

Risk resilience

77

Moderate Risk

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Company profile

Company website

Capital One Financial Corporation functions as a financial services holding entity, overseeing its key banking subsidiaries, Capital One Bank (USA), National Association, and Capital One, National Association. These institutions deliver a comprehensive array of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its operations into three primary divisions: Credit Card, Consumer Banking, and Commercial Banking. It facilitates various deposit accounts, including checking, money market, negotiable order of withdrawal (NOW) accounts, savings, and certificates of deposit. Capital One's lending portfolio encompasses credit card advances, vehicle and retail banking financing, along with commercial and multifamily real estate loans, and broader commercial and industrial lending solutions. Furthermore, the corporation offers credit and debit card options, direct online banking services, and comprehensive treasury management and depository services. It caters to individual consumers, small businesses, and corporate clients through a diverse network that includes digital platforms, physical branches, cafés, and other distribution channels. These physical locations are situated in states such as 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
Jan 29, 2020
Employees
76,300

Market position

Day range

Current $16.86

52-week range

Current $16.86

Open
$16.94
Previous close
$16.89
Volume
0
0× average
Average volume
98.25K
Average daily volume
Market cap
129.25B USD
Beta
1.02
Market reference 1
50-day average
$17.3557
-2.86% below average
200-day average
$18.016
-6.42% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
124.61B USD
P/E (TTM)
13.38×
P/B (TTM)
1.18×
P/S (TTM)
1.69×
EV / EBITDA
16.52×
Earnings yield
1.87%
Free cash flow yield
19.95%
Dividend yield
1.48%

Profitability & efficiency

Gross margin
66.19%
Operating margin
21.02%
Net margin
13.38%
Return on equity
2.16%
Return on assets
0.37%
Return on invested capital
1.09%

Financial health

Debt / equity
0.4×
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

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

Corporate actions

Annual dividends per share

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

$1.20

2025 complete year0.0% since 2021

2026 partial: $0.90

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 17, 2026

$0.30

Quarterly

Record Aug 17, 2026 · Payment Sep 1, 2026

Dividend

Ex-dividend May 19, 2026

$0.30

Quarterly

Record May 19, 2026 · Payment Jun 1, 2026

Dividend

Ex-dividend Feb 17, 2026

$0.30

Quarterly

Record Feb 17, 2026 · Payment Mar 2, 2026

Dividend

Ex-dividend Nov 17, 2025

$0.30

Quarterly

Record Nov 17, 2025 · Payment Dec 1, 2025

Dividend

Ex-dividend Aug 15, 2025

$0.30

Quarterly

Record Aug 15, 2025 · Payment Sep 2, 2025

Dividend

Ex-dividend May 21, 2025

$0.30

Quarterly

Record May 21, 2025 · Payment Jun 2, 2025

COF-PJ peers

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