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Capital One Financial Corporation (COF)
Financial Services · Credit Services · NYSE
Capital One Financial Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $25.50B | $27.24B | $28.08B | $28.59B | $28.52B | $30.43B | $34.25B | $36.79B | $39.11B | $53.43B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $3.75B | $1.98B | $6.01B | $5.55B | $2.71B | $12.39B | $7.04B | $4.58B | $4.45B | $2.18B |
| Net margin | 14.7% | 7.3% | 21.4% | 19.4% | 9.5% | 40.7% | 20.6% | 12.5% | 11.4% | 4.1% |
Source: Capital One Financial Corporation SEC filings (10-K). 19 years of history available in the interactive view.
What growth is priced into COF stock?
At today's market cap of $114.10B, Capital One Financial Corporation is priced for free-cash-flow growth of about -14.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $26.14B from the FY ending 2025-12-31). For comparison, free cash flow actually grew 10.3%/yr over the last five fiscal years and revenue 13.4%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 19 years of Capital One Financial Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Capital One Financial Corporation financial history by metric
About Capital One Financial Corporation
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, time deposits, and sweep accounts. Its loan products include credit card and personal loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; bank lending; and provides advisory, capital markets, net interchange, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
Capital One Financial Corporation — frequently asked questions
What is Capital One Financial Corporation's revenue?
Capital One Financial Corporation (COF) reported revenue of $53.43B for fiscal year 2025, up 36.6% from the prior year, according to its SEC filings.
Is Capital One Financial Corporation profitable?
Yes. COF earned net income of $2.18B in fiscal 2025, a net margin of 4.1%.
What is COF's P/E ratio?
Capital One Financial Corporation trades at a price-to-earnings ratio of about 56.4 based on the latest data in our nightly-refreshed cache.
How fast is Capital One Financial Corporation growing?
COF's revenue grew at roughly 13.4% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Capital One Financial Corporation have?
As of fiscal year 2025, COF carried roughly $1.09B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Capital One Financial Corporation's market cap?
Capital One Financial Corporation (COF) has a market capitalization of about $114.10B, based on the latest data in our nightly-refreshed cache.
When does Capital One Financial Corporation's fiscal year end?
COF's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into COF stock?
At today's market cap of $114.10B, Capital One Financial Corporation is priced for free-cash-flow growth of about -14.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $26.14B from the FY ending 2025-12-31). For comparison, free cash flow actually grew 10.3%/yr over the last five fiscal years and revenue 13.4%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Capital One Financial Corporation's official SEC filings (10-K and 10-Q), covering 19 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.