COF - NYSE
Capital One Financial Corporation
$177.62
-3.4%Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides 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, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and 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 California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
At a Glance
Live SnapshotCapital One Financial Corporation Profit Bridge
Profitability Analysis
Gross Margin
Strong gross margins indicate healthy pricing and efficient production or service delivery.
Operating Margin
Minimal operating profit suggests high operating costs or pricing challenges. Scalability is concerning.
Net Profit Margin
Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.
Effective Tax Rate
Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Capital One Financial Corporation Income Statement
COF • NYSE
| Capital One Financial Corporation Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
69.3B | 53.9B | 49.5B | 38.4B | 32B | 31.6B | 33.8B | 31.9B | 30B | 27.5B | 25B | 23.9B | 24.2B | 23.2B | 18.5B | 19.1B | 16B | 17.8B | 19B | 15.2B | |
GROSS PROFIT | ||||||||||||||||||||
(36.5B) | (26.5B) | (23.1B) | (10B) | -346M | (13.4B) | (11.4B) | (10.2B) | (10.3B) | (8.5B) | (6.2B) | (5.1B) | (5.2B) | (6.8B) | (4.6B) | (6.8B) | (7.2B) | (9.1B) | (7.2B) | (4.5B) | |
32.8B | 27.4B | 26.4B | 28.4B | 32.4B | 18.3B | 22.4B | 21.7B | 19.7B | 19B | 18.9B | 18.7B | 18.9B | 16.4B | 13.9B | 12.3B | 8.8B | 8.7B | 11.8B | 10.6B | |
OPERATING INCOME | ||||||||||||||||||||
(30.5B) | (21.5B) | (20.3B) | (19.2B) | (16.6B) | (15.1B) | (15.5B) | (14.4B) | (14.2B) | (13.6B) | (13B) | (12.2B) | (12.4B) | (11.2B) | (9.3B) | (7.9B) | (7.4B) | (8.2B) | (8B) | (6.9B) | |
(18.4B) | (14B) | (13.3B) | (12.4B) | (10.3B) | (8.4B) | (8.7B) | (7.9B) | (7.6B) | (7B) | (6.7B) | (6.2B) | (5.9B) | (5.4B) | (4.4B) | (3.6B) | (3.6B) | (4B) | (4.5B) | (4.1B) | |
2.3B | 5.9B | 6B | 9.2B | 15.8B | 3.2B | 6.9B | 7.3B | 5.5B | 5.5B | 5.9B | 6.6B | 6.6B | 5.2B | 4.6B | 4.3B | 1.3B | 582M | 3.9B | 3.7B | |
PRE-TAX INCOME | ||||||||||||||||||||
(15.8B) | (14.8B) | (12.7B) | (4.1B) | (1.6B) | (3.1B) | (5.2B) | (4.3B) | (2.8B) | (2B) | (1.6B) | (1.6B) | (1.8B) | (2.4B) | (2.2B) | (2.9B) | (3B) | (4B) | (4.5B) | (3.1B) | |
42.9B | 31.2B | 29.2B | 27.1B | 24.2B | 22.9B | 23.3B | 22.9B | 22.5B | 20.9B | 18.8B | 17.8B | 18.1B | 16.6B | 12.7B | 12.5B | 7.7B | 7.1B | 6.5B | 5.1B | |
(12.1B) | (7.5B) | (7B) | (6.7B) | (6.3B) | (6.6B) | (6.8B) | (6.5B) | (6.6B) | (6.5B) | (6.3B) | (6B) | (6.5B) | (5.8B) | (5B) | (4.4B) | (3.9B) | (4.2B) | (3.5B) | (2.8B) | |
2.3B | 5.9B | 6B | 9.2B | 15.8B | 3.2B | 6.9B | 7.3B | 5.5B | 5.5B | 5.9B | 6.6B | 6.6B | 5.2B | 4.6B | 4.3B | 1.3B | 582M | 3.9B | 3.7B | |
NET INCOME | ||||||||||||||||||||
(193M) | (1.2B) | (1.2B) | (1.9B) | (3.4B) | (486M) | (1.3B) | (1.3B) | (3.4B) | (1.7B) | (1.9B) | (2.1B) | (2.2B) | (1.5B) | (1.3B) | (1.3B) | (349M) | (497M) | (1.3B) | (1.2B) | |
2.5B | 4.8B | 4.9B | 7.4B | 12.4B | 2.7B | 5.5B | 6B | 2B | 3.8B | 4.1B | 4.4B | 4.3B | 3.7B | 3.1B | 2.7B | 883.8M | -46M | 1.6B | 2.4B |
SEC Filings
COF - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 15, 2026 | May 14, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 08, 2026 | May 08, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 07, 2026 | April 07, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 25, 2026 | May 08, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 16, 2026 | March 13, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 19, 2026 | December 31, 2025 | 2025 |
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