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Capital One Financial Corporation (COF) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · Consumer Finance · DATA UPDATED 2026-07-12

Capital One Financial Corporation (COF) operates in the Consumer Finance industry and is headquartered in McLean, United States with about 78,400 employees. Its market capitalization is roughly $124 billion. In the fiscal year ended 2025-12-31, COF reported $69.3B in revenue and $2.5B in net income.

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.

Interactive charts & full statements → Open the COF valuation workbench →

COF Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-03-31	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$75.2B	$69.3B	$53.9B	$49.5B	$38.4B	$32.0B	$31.6B	$33.8B	$31.9B	$30.0B	$27.5B	$25.0B	$23.9B	$24.2B	$23.2B	$18.5B	$19.1B	$15.9B	$17.8B	$19.0B	$15.2B
Gross Profit	$36.3B	$32.8B	$27.4B	$26.4B	$28.4B	$32.4B	$18.3B	$22.4B	$21.7B	$19.7B	$19.0B	$18.9B	$18.7B	$18.9B	$16.4B	$13.9B	$12.3B	$8.8B	$8.7B	$11.8B	$10.6B
Gross Margin %	48.3%	47.3%	50.8%	53.3%	74.0%	101.1%	57.7%	66.2%	68.1%	65.6%	69.2%	75.4%	78.5%	78.3%	70.7%	75.1%	64.3%	54.9%	49.1%	62.2%	70.0%
Operating Income (EBIT)	$3.3B	$2.3B	$5.9B	$6.0B	$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
Operating Margin %	4.3%	3.3%	11.0%	12.2%	24.1%	49.4%	10.1%	20.4%	23.0%	18.3%	19.9%	23.5%	27.5%	27.2%	22.4%	24.8%	22.7%	8.4%	3.3%	20.3%	24.2%
Net Income	$3.2B	$2.5B	$4.8B	$4.9B	$7.4B	$12.4B	$2.7B	$5.5B	$6.0B	$2.0B	$3.8B	$4.0B	$4.4B	$4.3B	$3.7B	$3.1B	$2.7B	$884M	($46M)	$1.6B	$2.4B
Net Margin %	4.3%	3.5%	8.8%	9.9%	19.2%	38.7%	8.6%	16.4%	18.9%	6.6%	13.6%	16.2%	18.6%	17.9%	16.1%	17.0%	14.4%	5.5%	-0.3%	8.2%	15.9%
EBITDA	$9.2B	$7.5B	$9.1B	$9.3B	$12.4B	$19.3B	$6.7B	$10.2B	$9.7B	$7.9B	$7.9B	$8.0B	$8.6B	$8.6B	$7.0B	$5.2B	$4.8B	$2.0B	$1.3B	$4.5B	$4.2B
Earnings Per Share (EPS)	$3.40	$4.53	$12.38	$12.75	$18.72	$27.89	$5.91	$11.80	$12.45	$4.06	$7.36	$7.39	$7.74	$7.38	$6.56	$6.85	$6.01	$2.05	$-0.12	$3.97	$7.62
Shares Outstanding (M)	623M	541M	384M	383M	393M	444M	459M	470M	483M	489M	510M	548M	572M	588M	566M	459M	456M	431M	378M	396M	317M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

COF Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Total Revenue	$19.3B	$19.6B	$19.8B	$16.4B	$13.4B	$13.8B	$13.8B	$13.3B
Gross Profit	$11.2B	$11.3B	$12.8B	$1.1B	$7.6B	$7.5B	$7.5B	$5.6B
Gross Margin %	57.8%	57.4%	64.3%	7.0%	56.9%	54.7%	54.6%	42.4%
Operating Income (EBIT)	$2.7B	$2.1B	$4.4B	($5.9B)	$1.7B	$1.5B	$2.2B	$651M
Operating Margin %	14.0%	10.7%	22.1%	-36.1%	12.9%	10.6%	16.1%	4.9%
Net Income	$2.2B	$2.1B	$3.2B	($4.3B)	$1.4B	$1.1B	$1.8B	$597M
Net Margin %	11.2%	10.9%	16.1%	-26.1%	10.5%	7.9%	12.9%	4.5%
EBITDA	$4.2B	$3.7B	$6.2B	($4.9B)	$2.5B	$2.3B	$3.0B	$1.5B
Earnings Per Share (EPS)	$3.49	$3.38	$4.99	$-8.46	$3.66	$2.86	$4.63	$1.56
Shares Outstanding (M)	623M	632M	640M	506M	384M	383M	384M	384M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

COF Free Cash Flow History

Cash flow	TTM → 2026-03-31	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$29.1B	$27.7B	$18.2B	$20.6B	$13.8B	$12.3B	$16.7B	$16.6B	$13.0B	$14.2B	$11.9B	$10.1B	$9.3B	$10.0B	$9.1B	$7.5B	$8.1B	$2.8B	$3.5B	$13.0B	$3.4B
Capital Expenditures (CapEx)	$2.5B	$1.6B	$1.2B	$961M	$934M	$698M	$710M	$887M	$874M	$1.0B	$779M	$532M	$502M	$818M	$560M	$315M	$340M	$232M	$356M	$438M	$712M
Free Cash Flow (FCF)	$26.6B	$26.1B	$17.0B	$19.6B	$12.9B	$11.6B	$16.0B	$15.8B	$12.1B	$13.2B	$11.1B	$9.6B	$8.8B	$9.2B	$8.5B	$7.1B	$7.8B	$2.6B	$3.1B	$12.6B	$2.7B
FCF Margin %	35.4%	37.8%	31.4%	39.6%	33.6%	36.2%	50.5%	46.7%	38.0%	43.9%	40.2%	38.3%	36.9%	37.9%	36.7%	38.5%	40.9%	16.1%	17.6%	66.1%	17.6%
Dividends Paid	$2.6B	$1.8B	$1.2B	$1.2B	$1.2B	$1.4B	$740M	$1.0B	$1.0B	$1.0B	$1.0B	$974M	$746M	$608M	$126M	$91M	$91M	$319M	$568M	$42M	$32M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

COF Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Cash from Operations (CFO)	$6.0B	$7.8B	$9.2B	$6.1B	$4.7B	$2.4B	$6.5B	$6.2B
Capital Expenditures (CapEx)	$553M	$1.1B	$387M	$399M	$348M	$356M	$312M	$289M
Free Cash Flow (FCF)	$5.5B	$6.7B	$8.8B	$5.7B	$4.3B	$2.1B	$6.1B	$6.0B
FCF Margin %	28.3%	34.1%	44.2%	34.5%	32.2%	15.2%	44.5%	44.9%
Dividends Paid	$559M	$1.2B	$443M	$453M	$291M	$289M	$290M	$289M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

COF Balance Sheet History

Balance sheet	2026-03-31	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$682.7B	$669.0B	$490.1B	$478.5B	$455.2B	$432.4B	$421.6B	$390.4B	$372.5B	$365.7B	$357.0B	$334.0B	$308.9B	$297.0B	$312.9B	$206.0B	$197.5B	$169.6B	$165.9B	$150.6B	$149.7B
Cash & Cash Equivalents	$76.5B	$57.4B	$43.2B	$43.3B	$30.9B	$21.7B	$40.5B	$13.4B	$13.2B	$14.0B	$10.0B	$8.0B	$7.2B	$6.0B	$11.1B	$5.5B	$4.8B	$8.1B	$6.9B	$3.1B	$3.6B
Total Liabilities	$570.6B	$555.4B	$429.4B	$420.4B	$402.7B	$371.4B	$361.4B	$332.4B	$320.9B	$317.0B	$309.5B	$286.8B	$263.8B	$255.3B	$272.4B	$176.4B	$171.0B	$143.1B	$139.3B	$126.3B	$124.5B
Total Debt (Short + Long-Term)	$51.9B	$49.9B	$45.6B	$49.9B	$54.3B	$51.4B	$47.1B	$62.4B	$67.6B	$68.3B	$76.6B	$78.2B	$96.4B	$27.5B	$25.8B	$37.5B	$23.5B	$25.6B	$25.9B	$27.8B	$26.6B
Total Shareholders' Equity	$112.3B	$113.6B	$60.8B	$58.1B	$52.6B	$61.0B	$60.2B	$58.0B	$51.7B	$48.7B	$47.5B	$47.3B	$45.1B	$41.7B	$40.5B	$29.7B	$26.5B	$26.6B	$26.6B	$24.3B	$25.2B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive COF viewer.

Other Companies in Consumer Finance

AXP · American Express — $223 billion
SYF · Synchrony Financial — $24 billion

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