A Business at a Glance
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Capital One Financial Corporation, a Delaware corporation established in 1994 and headquartered in McLean, Virginia, is a diversified financial services holding company with banking and non-banking subsidiaries. Capital One Financial Corporation and its subsidiaries (the “Company” or “Capital One”) operate as a global payments provider and diversified financial institution, delivering a broad array of financial products and services to consumers, small businesses and commercial clients through digital channels, branch locations, cafés and other distribution channels. As of December 31, 2025, Capital One Financial Corporation’s principal operating subsidiary was Capital One, National Association (“CONA”). On May 18, 2025 (the “Closing Date”), Discover Financial Services (“Discover”) merged into Capital One and Discover Bank merged into CONA. See “Part II—Item 8.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 69.3B | 69.3B | 53.9B | 49.5B | 38.4B | 32.0B |
| Net Income | 2.2B | 2.2B | 4.4B | 4.6B | 7.0B | 12.0B |
| EPS | $4.03 | $4.03 | $11.59 | $11.95 | $17.91 | $26.94 |
| Free Cash Flow | 26.1B | 26.1B | 17.0B | 19.6B | 12.9B | 11.6B |
| ROIC | 2.4% | 1.8% | 4.9% | 5.1% | 8.4% | 13.6% |
| Gross Margin | 51.5% | 51.5% | 57.0% | 59.8% | 74.0% | 88.9% |
| Debt/Equity | 0.33 | 0.33 | 0.51 | 0.55 | 0.60 | 0.46 |
| Dividends/Share | $2.80 | $2.80 | $2.43 | $2.43 | $2.42 | $2.58 |
| Operating Income | 2.3B | 2.3B | 5.9B | 6.0B | 9.2B | 15.8B |
| Operating Margin | 3.3% | 3.3% | 11.0% | 12.2% | 24.1% | 49.4% |
| ROE | 1.9% | 2.5% | 7.3% | 7.9% | 13.4% | 19.6% |
| Shares Outstanding | 541M | 541M | 384M | 383M | 393M | 444M |
CAPITAL ONE FINANCIAL CORP passes 5 of 9 quality checks, suggesting mixed fundamentals.
CAPITAL ONE FINANCIAL CORP trades at 49.0x trailing earnings, compared to its 15-year median P/E of 10.8x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 4.7x vs a median of 3.0x. The company's 5-year average ROIC is 6.8% with a gross margin of 66.2%. Total shareholder yield (dividends + buybacks) is 5.3%. At current prices, the estimated annualized return to fair value is +8.4%.
CAPITAL ONE FINANCIAL CORP (COF) has a current P/E ratio of 49.0, compared to its historical median P/E of 10.8. The stock is currently considered Expensive based on its historical valuation range.
CAPITAL ONE FINANCIAL CORP (COF) has a 5-year average return on invested capital (ROIC) of 6.8%. This is below average and may indicate limited pricing power.
CAPITAL ONE FINANCIAL CORP (COF) has a market capitalization of $106.9B. It is classified as a large-cap stock.
Yes, CAPITAL ONE FINANCIAL CORP (COF) pays a dividend with a trailing twelve-month yield of 1.42%. The company also returns capital through share buybacks, with a buyback yield of 3.83%.
Based on historical P/E analysis, CAPITAL ONE FINANCIAL CORP (COF) appears expensive. The current P/E of 49.0 is 354% above its historical median of 10.8. The estimated fair value CAGR (P/E method) is -3.4%.
CAPITAL ONE FINANCIAL CORP (COF) operates in the National Commercial Banks industry, within the Financials sector.
CAPITAL ONE FINANCIAL CORP (COF) reported annual revenue of $69.3 billion in its most recent fiscal year, based on SEC EDGAR filings.
CAPITAL ONE FINANCIAL CORP (COF) has a net profit margin of 3.1%. This is a modest margin.
CAPITAL ONE FINANCIAL CORP (COF) generated $26.1 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CAPITAL ONE FINANCIAL CORP (COF) has a debt-to-equity ratio of 0.33. This indicates a conservatively financed balance sheet.
CAPITAL ONE FINANCIAL CORP (COF) reported earnings per share (EPS) of $4.03 in its most recent fiscal year.
CAPITAL ONE FINANCIAL CORP (COF) has a return on equity (ROE) of 2.5%. This indicates moderate shareholder returns.
CAPITAL ONE FINANCIAL CORP (COF) has a 5-year average gross margin of 66.2%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 19 years of financial data for CAPITAL ONE FINANCIAL CORP (COF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CAPITAL ONE FINANCIAL CORP (COF) has a book value per share of $209.94, based on its most recent annual SEC filing.