Capital One Financial Corporation is an American bank holding company headquartered in McLean, Virginia. The company specializes in credit cards, auto loans, and consumer and commercial banking services. It is one of the largest credit card issuers in the United States and operates primarily in the US, Canada, and the UK, distinguishing itself through its heavy reliance on technology and data analytics for underwriting and personalized financial solutions.
| FY 2025 | FY 2024 | FY 2023 | FY 2022 | |
|---|---|---|---|---|
| Net Interest Income | 42,878,000 | 31,208,000 | 29,241,000 | 27,114,000 |
| Non-Interest Income | 10,556,000 | 7,904,000 | 7,546,000 | 7,136,000 |
| Total Revenues Before Provision for Credit Losses | 53,434,000 | 39,112,000 | 36,787,000 | 34,250,000 |
| Provision for Credit Losses | 20,655,000 | 11,716,000 | 10,426,000 | 5,847,000 |
| Total Revenues After Provision for Credit Losses | 32,779,000 | 27,396,000 | 26,361,000 | 28,403,000 |
| Compensation Expenses | 12,471,000 | 9,398,000 | 9,302,000 | 8,425,000 |
| Selling, General & Administrative Expenses | 13,244,000 | 10,000,000 | 8,820,000 | 9,253,000 |
| Other Non-Interest Expenses | 4,783,000 | 2,088,000 | 2,194,000 | 1,485,000 |
| Total Non-Interest Expense | 30,498,000 | 21,486,000 | 20,316,000 | 19,163,000 |
| Income Before Provision for Income Taxes | 2,281,000 | 5,910,000 | 6,045,000 | 9,240,000 |
| Provision for Income Taxes | 193,000 | 1,163,000 | 1,158,000 | 1,880,000 |
| Consolidated Net Income | 2,088,000 | 4,747,000 | 4,887,000 | 7,360,000 |
| Net Income Attributable to Minority Interests and Other | 26,000 | 77,000 | 77,000 | 88,000 |
| Net Income Attributable to Preferred Dividends | 246,000 | 228,000 | 228,000 | 228,000 |
| Net Income Attributable to Discontinued Operations | 365,000 | 3,000 | 0 | 0 |
| Net Income Attributable to Common Shareholders | 2,181,000 | 4,445,000 | 4,582,000 | 7,044,000 |
| Basic EPS | 4.03 | 11.61 | 11.98 | 17.98 |
| Diluted EPS | 4.03 | 11.59 | 11.95 | 17.91 |
| Basic Weighted Average Shares Outstanding | 540,700 | 382,700 | 382,400 | 391,800 |
| Diluted Weighted Average Shares Outstanding | 541,300 | 383,600 | 383,400 | 393,200 |
| Shares Outstanding | 625,102 | 381,230 | 380,390 | 381,319 |
| FY 2025 | FY 2024 | FY 2023 | FY 2022 | |
|---|---|---|---|---|
| Cash and Cash Equivalents | 57,434,000 | 43,230,000 | 43,297,000 | 30,856,000 |
| Securities and Investments | 91,051,000 | 83,013,000 | 79,117,000 | 76,919,000 |
| Other Earning Assets | 760,000 | 202,000 | 854,000 | 203,000 |
| Gross Loans | 454,382,000 | 327,977,000 | 321,326,000 | 312,534,000 |
| Allowance for Loan Losses | (23,409,000) | (16,258,000) | (15,296,000) | (13,240,000) |
| Net Loans | 430,213,000 | 311,517,000 | 305,176,000 | 299,091,000 |
| Net Property, Plant & Equipment | 5,602,000 | 4,511,000 | 4,375,000 | 4,351,000 |
| Accrued Interest and Accounts Receivable | 3,492,000 | 2,532,000 | 2,478,000 | 2,104,000 |
| Net Intangible Assets | 16,578,000 | 233,000 | — | — |
| Goodwill | 28,509,000 | 15,059,000 | 15,065,000 | 14,777,000 |
| Other Non-Earning Assets | 35,370,000 | 29,847,000 | 28,102,000 | 26,948,000 |
| Total Assets | 669,009,000 | 490,144,000 | 478,464,000 | 455,249,000 |
| Interest-bearing deposits | 448,386,000 | 336,585,000 | 320,389,000 | 300,789,000 |
| Noninterest-bearing deposits | 27,385,000 | 26,122,000 | 28,024,000 | 32,203,000 |
| Total Deposits | 475,771,000 | 362,707,000 | 348,413,000 | 332,992,000 |
| Short-Term Interbank Borrowing and Repurchase Agreements | 587,000 | 562,000 | 538,000 | 883,000 |
| Accrued Expenses | 844,000 | 666,000 | 649,000 | 527,000 |
| Long-Term Debt | 50,413,000 | 44,989,000 | 49,318,000 | 47,832,000 |
| Other Liabilities | 27,778,000 | 20,436,000 | 21,457,000 | 20,433,000 |
| Total Liabilities | 555,393,000 | 429,360,000 | 420,375,000 | 402,667,000 |
| Preferred Stock | 0 | 0 | 0 | 0 |
| Common Stock | 7,000 | 7,000 | 7,000 | 7,000 |
| Treasury Stock | (10,146,000) | (30,870,000) | (30,136,000) | (29,418,000) |
| Additional Paid-in Capital | 64,031,000 | 36,428,000 | 35,541,000 | 34,725,000 |
| Accumulated Other Comprehensive Income | (5,468,000) | (9,286,000) | (8,268,000) | (9,916,000) |
| Retained Earnings | 65,192,000 | 64,505,000 | 60,945,000 | 57,184,000 |
| Total Common Shareholders' Equity | 113,616,000 | 60,784,000 | 58,089,000 | 52,582,000 |
| Total Shareholders' Equity | 113,616,000 | 60,784,000 | 58,089,000 | 52,582,000 |
| Total Liabilities and Shareholders' Equity | 669,009,000 | 490,144,000 | 478,464,000 | 455,249,000 |
| FY 2025 | FY 2024 | FY 2023 | FY 2022 | |
|---|---|---|---|---|
| Net Income | 2,453,000 | 4,750,000 | 4,887,000 | 7,360,000 |
| Depreciation & Amortization | 5,260,000 | 3,237,000 | 3,226,000 | 3,210,000 |
| Provision for Credit Losses | 20,655,000 | 11,716,000 | 10,426,000 | 5,847,000 |
| Share-Based Compensation Expense | 776,000 | 569,000 | 513,000 | 314,000 |
| Net Change in Loans Held-for-Sale | (510,000) | 182,000 | (170,000) | 857,000 |
| Other Adjustments | (2,276,000) | (724,000) | (632,000) | (919,000) |
| Changes in Accrued Interest and Accounts Receivable | (34,000) | (54,000) | (359,000) | (641,000) |
| Changes in Accounts Payable | (169,000) | 17,000 | 122,000 | 246,000 |
| Changes in Other Operating Activities | 1,563,000 | (1,534,000) | 2,562,000 | (2,465,000) |
| Cash from Operating Activities | 27,718,000 | 18,159,000 | 20,575,000 | 13,809,000 |
| Net Change in Loans Held-for-Investment | (31,751,000) | (18,430,000) | (15,534,000) | (33,794,000) |
| Net Change in Securities and Investments | 9,440,000 | (5,159,000) | (1,315,000) | 6,794,000 |
| Payments for Business Acquisitions | 16,465,000 | 0 | (2,785,000) | (1,176,000) |
| Proceeds from Business Divestments | 8,800,000 | 0 | 0 | — |
| Capital Expenditure | (1,578,000) | (1,204,000) | (961,000) | (934,000) |
| Other Investing Activities | (1,820,000) | (1,617,000) | (1,325,000) | (628,000) |
| Cash from Investing Activities | (444,000) | (26,410,000) | (21,920,000) | (29,738,000) |
| Net Change in Deposits | 5,931,000 | 14,156,000 | 15,172,000 | 22,539,000 |
| Issuance of Long-Term Debt | 8,514,000 | 5,790,000 | 11,510,000 | 31,000,000 |
| Repayments of Long-Term Debt | (17,856,000) | (10,239,000) | (10,919,000) | (22,621,000) |
| Net Issuance / (Repayments) of Long-Term Debt | (9,342,000) | (4,449,000) | 591,000 | 8,379,000 |
| Issuance of Common Shares | 409,000 | 327,000 | 309,000 | 295,000 |
| Repurchases of Common Shares | (4,099,000) | (734,000) | (718,000) | — |
| Net Issuance / (Repurchases) of Common Shares | (3,690,000) | (407,000) | (409,000) | 295,000 |
| Issuance of Preferred Shares | 0 | 0 | 0 | — |
| Repurchases of Preferred Shares | (500,000) | 0 | 0 | (4,948,000) |
| Net Issuance / (Repurchases) of Preferred Shares | (500,000) | 0 | 0 | (4,948,000) |
| Common Share Dividends Paid | (1,516,000) | (932,000) | (931,000) | (950,000) |
| Preferred Share Dividends Paid | (252,000) | (228,000) | (228,000) | (228,000) |
| Other Financing Activities | 517,000 | 27,000 | (351,000) | 44,000 |
| Cash from Financing Activities | (8,852,000) | 8,167,000 | 13,844,000 | 25,131,000 |
| Increase / (Decrease) in Cash, Cash Equivalents and Restricted Cash | 18,422,000 | (84,000) | 12,499,000 | 9,202,000 |
| Metric | Value |
|---|---|
| Market Cap | $151.50B |
| P/E | 60.14x |
| P/S | 4.62x |
| Return on Equity | 2.4% |
| Dividend Yield | 1.2% |
| Free Cash Flow Margin | 79.7% |
| Quarter | Revenue | YoY growth | Operating margin | Operating income |
|---|---|---|---|---|
| Q1 2026 | $15.23B | +52.3% | — | — |
| Q4 2025 | $15.58B | +52.9% | — | — |
| Q3 2025 | $15.36B | +53.4% | — | — |
| Q2 2025 | $12.49B | +31.4% | — | — |
| Q1 2025 | $10.00B | — | — | — |
| Q4 2024 | $10.19B | — | — | — |
| Q3 2024 | $10.01B | — | — | — |
| Q2 2024 | $9.51B | — | — | — |