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NYSE · NATIONAL COMMERCIAL BANKS · LARGE CAP

Capital ONE Financial Corp. COF

19 fiscal years on record · USD · FY2025 reported · SEC filings only
$53.4B
▲ 36.6% YoY
$2.5B
▼ 48.4% YoY
$26.1B
▲ 54.2% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Capital One Financial Corporation and its subsidiaries operate as a global payments provider and financial institution, delivering financial products and services to consumers, small businesses and commercial clients through digital channels, branch locations, cafes and other distribution channels. As of December 31, 2025, it had approximately 76,300 employees worldwide, referred to internally as associates. Its principal operations are organized, for management reporting purposes, into three major business segments: Credit Card, Consumer Banking and Commercial Banking. Its Credit Card segment consists of domestic consumer card lending, personal loans, domestic small business card lending, and international card businesses in the United Kingdom and Canada. Its Consumer Banking segment consists of deposit gathering and lending activities for consumers and small businesses, national auto lending, and services offered by the Global Payment Network. Its Commercial Banking segment consists of lending, deposit gathering, capital markets and treasury management services to commercial real estate and commercial and industrial customers, typically companies with annual revenues between $20 million and $2 billion. Capital One Financial Corporation is a Delaware corporation established in 1994 and headquartered in McLean, Virginia.

Written from the business description in Capital One Financial Corporation's annual report to the U.S. Securities and Exchange Commission, filed 19 February 2026. Every sentence was checked against that document before publication.

Growth

USD 53.4B
Revenue, FY2025 · full 19-year series below
Revenue $B Net income $B
FY2025 · Revenue 53.4 · Net income 2.5
20B40B
2007201020132016201920222025
Compound annual growth
+16.0%
+13.4%
+8.6%
+8.3%
−30.7%
−2.0%
−4.9%
−0.7%
+10.1%
+51.6%
+30.7%
−2.5%
+53.5%
+5.2%
+31.0%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +13.4% a year over the five years to FY2025.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

5 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 4.3% · Net 4.6%
20%40%
200720162025
ROE
FY2025 · ROE 2.8%
10%20%
200720162025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each USD of equity produced 3 cents of profit this year.

Cash & shareholders

USD 5.2B
returned in FY2025 · dividends + net buybacks
Free cash flow $B
FY2025 · FCF 26.1
10B20B
200720162025
Net buybacks $B Dividends $B
FY2025 · Dividends 1.5 · Net buybacks 3.7
3B6B-2B-3BDividendsNet buybacks
2007201020132016201920222025

USD 1.5B in dividends and USD 3.7B in buybacks — 213% of the year's profit, so the payout drew on cash built up earlier.

Total assetsUSD 669.0B
EquityUSD 113.6B
CashUSD 62.1B
Gross debtUSD 51.0B
Net debtUSD -11.1B
DepositsUSD 475.8B

The company holds more cash than debt.

The 19-year record

19 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
COF, 19-year financial record
Metric 2025202420232022202120202019201820172016201520142013201220112010200920082007
Revenue $B53.439.136.834.230.428.528.628.127.225.523.422.322.421.416.316.213.013.9◌
Operating income $B2.35.96.09.215.83.26.97.35.55.55.96.66.65.2◌◌◌◌◌
EBITDA $B◌◌◌◌◌◌◌◌◌◌◌◌7.15.7◌◌◌◌◌
Income tax $B0.21.21.21.93.40.51.31.33.41.71.92.12.21.51.31.30.30.51.3
Net income $B2.54.84.97.412.42.75.56.02.03.84.04.44.13.53.12.70.9−0.01.6
Free cash flow $B26.117.019.612.911.616.015.812.113.211.19.68.89.29.07.17.81.83.112.5
EPS, diluted $4.0311.5911.9517.9126.945.1811.0511.823.496.897.077.596.896.116.806.010.74−0.213.97
Dividend / sh $◌◌◌◌◌◌◌◌1.601.601.501.200.950.200.200.200.531.500.11
Payout %622019139171413392220151333324−12353
ROE %2.88.08.813.020.44.610.112.04.17.98.810.210.010.011.210.33.3−0.26.5
Shares out B0.630.380.380.380.410.460.460.470.490.480.530.550.570.580.46◌◌◌◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Compare

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Provenance

Company facts, as filed

How we verify · 0 failures in 55 reconciliationsAUDITED

Reconciled in 19 of the 19 fiscal years we could check. One check was skipped: the share count is not tagged before 2008. One check was skipped: the balance sheet is not tagged before 2008.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityNational Commercial Banks
Listed onNYSE
Incorporated inDelaware
Fiscal year endsDecember 31
Data on record since2007

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