COF vs USB
Capital ONE Financial Corp. and US Bancorp \de\, side by side — 10 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | COF | USB |
|---|---|---|
| Revenue | $53.4B | $28.7B |
| Net income | $2.5B | $7.6B |
| Gross margin | — | — |
| Net margin | 4.6% | 26.5% |
| Return on equity | 2.8% | 12.2% |
| Diluted EPS | $4.03 | $4.62 |
| Dividend / share | — | $2.04 |
| Payout ratio | 61.8% | 41.8% |
| Free cash flow | $26.1B | — |
| Equity | $113.6B | $65.2B |
| Net debt / equity | −0.10× | 0.48× |
| Current ratio | — | — |
| Revenue CAGR 5y | 13.4% | — |
| Profit CAGR 5y | −2.0% | 8.8% |
COF bills 1.9× the revenue of USB, and USB keeps more of each dollar of revenue as profit (26.5% against 4.6%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
Revenue by year
10 years side by side
| Fiscal year | COF | USB |
|---|---|---|
| FY2025 | $53.4B | $28.7B |
| FY2024 | $39.1B | $27.5B |
| FY2023 | $36.8B | $28.1B |
| FY2022 | $34.2B | $24.3B |
| FY2018 | $28.1B | $22.6B |
| FY2017 | $27.2B | $21.9B |
| FY2016 | $25.5B | $21.3B |
| FY2015 | $23.4B | $20.3B |
| FY2014 | $22.3B | $20.2B |
| FY2013 | $22.4B | $19.6B |
Net income by year
Bottom line
| Fiscal year | COF | USB |
|---|---|---|
| FY2025 | $2.5B | $7.6B |
| FY2024 | $4.8B | $6.3B |
| FY2023 | $4.9B | $5.4B |
| FY2022 | $7.4B | $5.8B |
| FY2018 | $6.0B | $7.1B |
| FY2017 | $2.0B | $6.2B |
| FY2016 | $3.8B | $5.9B |
| FY2015 | $4.0B | $5.9B |
| FY2014 | $4.4B | $5.9B |
| FY2013 | $4.1B | $5.8B |