Annual Income Statements for Capital One Financial
This table shows Capital One Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for Capital One Financial
This table shows Capital One Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Net Income / (Loss) Attributable to Common Shareholders |
|
1,161 |
887 |
1,351 |
1,705 |
639 |
1,200 |
531 |
1,692 |
1,022 |
1,325 |
-4,340 |
Consolidated Net Income / (Loss) |
|
1,232 |
960 |
1,431 |
1,790 |
706 |
1,280 |
597 |
1,777 |
1,096 |
1,404 |
-4,277 |
Net Income / (Loss) Continuing Operations |
|
1,232 |
960 |
1,431 |
1,790 |
706 |
1,280 |
597 |
1,777 |
1,093 |
1,404 |
-4,263 |
Total Pre-Tax Income |
|
1,544 |
1,163 |
1,728 |
2,222 |
932 |
1,582 |
651 |
2,218 |
1,459 |
1,729 |
-5,929 |
Total Revenue |
|
9,040 |
8,903 |
9,012 |
9,366 |
9,506 |
9,402 |
9,506 |
10,014 |
10,190 |
10,000 |
12,492 |
Net Interest Income / (Expense) |
|
7,197 |
7,186 |
7,113 |
7,423 |
7,519 |
7,488 |
7,546 |
8,076 |
8,098 |
8,013 |
9,995 |
Total Interest Income |
|
9,158 |
9,754 |
10,166 |
10,873 |
11,145 |
11,177 |
11,280 |
11,860 |
11,717 |
11,418 |
13,828 |
Loans and Leases Interest Income |
|
8,360 |
8,723 |
9,057 |
9,696 |
9,934 |
9,920 |
9,993 |
10,547 |
10,434 |
10,157 |
12,449 |
Investment Securities Interest Income |
|
548 |
615 |
639 |
627 |
669 |
687 |
700 |
733 |
753 |
770 |
784 |
Other Interest Income |
|
250 |
416 |
470 |
550 |
542 |
570 |
587 |
580 |
530 |
491 |
595 |
Total Interest Expense |
|
1,961 |
2,568 |
3,053 |
3,450 |
3,626 |
3,689 |
3,734 |
3,784 |
3,619 |
3,405 |
3,833 |
Deposits Interest Expense |
|
1,335 |
1,856 |
2,277 |
2,611 |
2,745 |
2,812 |
2,874 |
2,945 |
2,862 |
2,715 |
3,120 |
Long-Term Debt Interest Expense |
|
626 |
712 |
776 |
839 |
881 |
877 |
849 |
839 |
768 |
681 |
713 |
Total Non-Interest Income |
|
1,843 |
1,717 |
1,899 |
1,943 |
1,987 |
1,914 |
1,960 |
1,938 |
2,092 |
1,987 |
2,497 |
Other Service Charges |
|
1,852 |
1,717 |
1,899 |
1,943 |
2,021 |
1,914 |
1,960 |
1,973 |
2,092 |
1,987 |
2,497 |
Provision for Credit Losses |
|
2,416 |
2,795 |
2,490 |
2,284 |
2,857 |
2,683 |
3,909 |
2,482 |
2,642 |
2,369 |
11,430 |
Total Non-Interest Expense |
|
5,080 |
4,945 |
4,794 |
4,860 |
5,717 |
5,137 |
4,946 |
5,314 |
6,089 |
5,902 |
6,991 |
Salaries and Employee Benefits |
|
2,266 |
2,427 |
2,317 |
2,274 |
2,284 |
2,478 |
2,200 |
2,391 |
2,329 |
2,546 |
2,999 |
Net Occupancy & Equipment Expense |
|
906 |
858 |
850 |
862 |
973 |
905 |
906 |
945 |
1,072 |
1,014 |
1,150 |
Marketing Expense |
|
1,118 |
897 |
886 |
972 |
1,254 |
1,010 |
1,064 |
1,113 |
1,375 |
1,202 |
1,345 |
Other Operating Expenses |
|
765 |
749 |
719 |
728 |
1,184 |
725 |
768 |
845 |
1,283 |
1,133 |
1,226 |
Amortization Expense |
|
- |
14 |
22 |
24 |
- |
19 |
19 |
20 |
- |
16 |
271 |
Income Tax Expense |
|
312 |
203 |
297 |
432 |
226 |
302 |
54 |
441 |
366 |
325 |
-1,666 |
Net Income / (Loss) Discontinued Operations |
|
- |
- |
- |
- |
- |
- |
0.00 |
- |
- |
- |
-14 |
Preferred Stock Dividends Declared |
|
57 |
57 |
57 |
57 |
57 |
57 |
57 |
57 |
57 |
57 |
65 |
Net Income / (Loss) Attributable to Noncontrolling Interest |
|
14 |
16 |
23 |
28 |
10 |
23 |
9.00 |
28 |
17 |
22 |
4.00 |
Basic Earnings per Share |
|
$3.14 |
$2.32 |
$3.53 |
$4.46 |
$1.67 |
$3.14 |
$1.39 |
$4.42 |
$2.66 |
$3.46 |
($8.58) |
Weighted Average Basic Shares Outstanding |
|
381.08M |
381.81M |
381.44M |
380.85M |
380.21M |
381.92M |
381.86M |
381.51M |
381.33M |
383.14M |
639.52M |
Diluted Earnings per Share |
|
$3.13 |
$2.31 |
$3.52 |
$4.45 |
$1.67 |
$3.13 |
$1.38 |
$4.41 |
$2.67 |
$3.45 |
($8.58) |
Weighted Average Diluted Shares Outstanding |
|
381.08M |
381.81M |
381.44M |
380.85M |
380.21M |
381.92M |
381.86M |
381.51M |
381.33M |
383.14M |
639.52M |
Weighted Average Basic & Diluted Shares Outstanding |
|
381.08M |
381.81M |
381.44M |
380.85M |
380.21M |
381.92M |
381.86M |
381.51M |
381.33M |
383.14M |
639.52M |
Cash Dividends to Common per Share |
|
- |
$0.60 |
$0.60 |
$0.60 |
- |
$0.60 |
$0.60 |
$0.60 |
- |
$0.60 |
$0.60 |
Annual Cash Flow Statements for Capital One Financial
This table details how cash moves in and out of Capital One Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
951 |
1,564 |
3,453 |
1,859 |
-863 |
260 |
27,022 |
-18,717 |
9,202 |
12,499 |
-84 |
Net Cash From Operating Activities |
|
9,304 |
10,127 |
11,856 |
14,182 |
12,978 |
16,639 |
16,699 |
12,310 |
13,809 |
20,575 |
18,159 |
Net Cash From Continuing Operating Activities |
|
9,486 |
10,206 |
11,831 |
14,543 |
12,994 |
16,619 |
16,696 |
12,320 |
13,812 |
20,575 |
18,160 |
Net Income / (Loss) Continuing Operations |
|
4,423 |
4,050 |
3,751 |
1,982 |
6,025 |
5,533 |
2,714 |
12,394 |
7,360 |
4,887 |
4,747 |
Consolidated Net Income / (Loss) |
|
4,428 |
4,050 |
3,751 |
2,117 |
6,015 |
5,546 |
2,714 |
12,390 |
7,360 |
4,887 |
4,750 |
Net Income / (Loss) Discontinued Operations |
|
5.00 |
- |
- |
-135 |
-10 |
13 |
- |
-4.00 |
0.00 |
0.00 |
3.00 |
Provision For Loan Losses |
|
3,541 |
4,536 |
6,459 |
7,551 |
5,856 |
6,236 |
10,264 |
-1,944 |
5,847 |
10,426 |
11,716 |
Depreciation Expense |
|
2,002 |
2,100 |
2,428 |
2,440 |
2,396 |
3,339 |
3,501 |
3,481 |
3,210 |
3,226 |
3,237 |
Non-Cash Adjustments to Reconcile Net Income |
|
-170 |
-432 |
-782 |
2,199 |
-177 |
737 |
-2,174 |
963 |
252 |
-289 |
27 |
Changes in Operating Assets and Liabilities, net |
|
-310 |
-48 |
-25 |
371 |
-1,106 |
774 |
2,391 |
-2,574 |
-2,857 |
2,325 |
-1,567 |
Net Cash From Discontinued Operating Activities |
|
-187 |
- |
25 |
-361 |
-6.00 |
7.00 |
3.00 |
-6.00 |
-3.00 |
0.00 |
-4.00 |
Net Cash From Investing Activities |
|
-15,991 |
-29,726 |
-25,630 |
-15,541 |
-15,618 |
-22,998 |
-14,841 |
-31,501 |
-29,738 |
-21,920 |
-26,410 |
Net Cash From Continuing Investing Activities |
|
-15,991 |
-29,726 |
-25,630 |
-15,541 |
-15,618 |
-22,998 |
-14,841 |
-31,501 |
-29,738 |
-21,920 |
-26,410 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-502 |
-532 |
-779 |
-1,018 |
-874 |
-887 |
-710 |
-698 |
-934 |
-961 |
-1,204 |
Purchase of Investment Securities |
|
-34,064 |
-44,976 |
-19,002 |
-34,462 |
-34,590 |
-33,781 |
-43,855 |
-63,054 |
-52,539 |
-32,378 |
-40,231 |
Sale and/or Maturity of Investments |
|
18,575 |
15,782 |
-5,849 |
19,939 |
19,846 |
11,670 |
29,724 |
32,251 |
23,735 |
11,419 |
15,025 |
Net Cash From Financing Activities |
|
7,638 |
21,163 |
17,227 |
3,218 |
1,777 |
6,619 |
25,164 |
474 |
25,131 |
13,844 |
8,167 |
Net Cash From Continuing Financing Activities |
|
7,638 |
21,163 |
17,227 |
3,218 |
1,777 |
6,619 |
25,164 |
474 |
25,131 |
13,844 |
8,167 |
Net Change in Deposits |
|
1,017 |
12,163 |
19,031 |
6,993 |
6,077 |
12,643 |
42,519 |
5,687 |
22,539 |
15,172 |
14,156 |
Issuance of Debt |
|
13,564 |
36,892 |
29,243 |
41,409 |
15,645 |
8,694 |
5,235 |
10,847 |
31,000 |
11,159 |
5,817 |
Issuance of Common Equity |
|
100 |
111 |
131 |
164 |
175 |
199 |
241 |
253 |
276 |
299 |
323 |
Repayment of Debt |
|
-5,367 |
-26,145 |
-27,699 |
-44,187 |
-16,836 |
-12,880 |
-21,715 |
-7,293 |
-22,577 |
-10,919 |
-10,239 |
Repurchase of Common Equity |
|
-2,045 |
-2,441 |
-3,661 |
-240 |
-2,284 |
-1,481 |
-393 |
-7,605 |
-4,948 |
-718 |
-734 |
Payment of Dividends |
|
-746 |
-974 |
-1,026 |
-1,045 |
-1,038 |
-1,035 |
-740 |
-1,422 |
-1,178 |
-1,159 |
-1,160 |
Other Financing Activities, Net |
|
146 |
85 |
142 |
124 |
38 |
17 |
62 |
55 |
19 |
10 |
4.00 |
Cash Interest Paid |
|
1,569 |
1,643 |
2,250 |
2,772 |
3,933 |
4,790 |
3,580 |
2,158 |
3,609 |
10,823 |
13,201 |
Cash Income Taxes Paid |
|
1,603 |
1,732 |
2,121 |
1,187 |
407 |
626 |
988 |
2,527 |
1,852 |
1,355 |
1,105 |
Quarterly Cash Flow Statements for Capital One Financial
This table details how cash moves in and out of Capital One Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Net Change in Cash & Equivalents |
|
5,965 |
15,717 |
-4,925 |
3,256 |
-1,549 |
7,747 |
-3,673 |
1,890 |
-6,048 |
5,294 |
12,613 |
Net Cash From Operating Activities |
|
8,157 |
2,992 |
3,354 |
7,129 |
7,100 |
3,010 |
6,243 |
6,458 |
2,448 |
4,667 |
6,066 |
Net Cash From Continuing Operating Activities |
|
8,159 |
2,992 |
3,354 |
7,129 |
7,100 |
3,010 |
6,243 |
6,458 |
2,449 |
4,667 |
6,182 |
Net Income / (Loss) Continuing Operations |
|
1,232 |
960 |
1,431 |
1,790 |
706 |
1,280 |
597 |
1,777 |
1,093 |
1,404 |
-4,263 |
Consolidated Net Income / (Loss) |
|
1,232 |
960 |
1,431 |
1,790 |
706 |
1,280 |
597 |
1,777 |
1,096 |
1,404 |
-4,277 |
Provision For Loan Losses |
|
2,416 |
2,795 |
2,490 |
2,284 |
2,857 |
2,683 |
3,909 |
2,482 |
2,642 |
2,369 |
11,430 |
Depreciation Expense |
|
843 |
1,251 |
325 |
852 |
798 |
806 |
811 |
806 |
814 |
812 |
1,011 |
Non-Cash Adjustments to Reconcile Net Income |
|
1,201 |
-179 |
-359 |
209 |
40 |
-514 |
446 |
375 |
-280 |
0.00 |
-1,695 |
Changes in Operating Assets and Liabilities, net |
|
2,467 |
-1,835 |
-533 |
1,994 |
2,699 |
-1,245 |
480 |
1,018 |
-1,820 |
82 |
-301 |
Net Cash From Investing Activities |
|
-11,447 |
-2,994 |
-4,165 |
-5,071 |
-9,690 |
1,675 |
-7,532 |
-6,304 |
-14,249 |
845 |
16,471 |
Net Cash From Continuing Investing Activities |
|
-11,447 |
-2,994 |
-4,165 |
-5,071 |
-9,690 |
1,675 |
-7,532 |
-6,304 |
-14,249 |
845 |
16,471 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-290 |
-235 |
-206 |
-259 |
-261 |
-247 |
-289 |
-312 |
-356 |
-348 |
-399 |
Purchase of Investment Securities |
|
-13,786 |
-5,295 |
-6,838 |
-7,775 |
-12,470 |
-1,132 |
-10,910 |
-10,375 |
-17,814 |
-2,836 |
-16,351 |
Sale and/or Maturity of Investments |
|
2,629 |
2,536 |
2,879 |
2,963 |
3,041 |
3,054 |
3,667 |
4,383 |
3,921 |
4,029 |
33,221 |
Net Cash From Financing Activities |
|
9,255 |
15,719 |
-4,114 |
1,198 |
1,041 |
3,062 |
-2,384 |
1,736 |
5,753 |
-218 |
-9,924 |
Net Cash From Continuing Financing Activities |
|
9,255 |
15,719 |
-4,114 |
1,198 |
1,041 |
3,062 |
-2,384 |
1,736 |
5,753 |
-218 |
-9,924 |
Net Change in Deposits |
|
15,768 |
16,648 |
-5,905 |
2,337 |
2,092 |
2,620 |
430 |
1,937 |
9,169 |
4,678 |
-6,146 |
Issuance of Debt |
|
1,499 |
3,139 |
4,979 |
-316 |
3,357 |
2,019 |
149 |
2,793 |
856 |
1,749 |
166 |
Issuance of Common Equity |
|
62 |
76 |
88 |
71 |
64 |
80 |
95 |
76 |
72 |
93 |
111 |
Repayment of Debt |
|
-7,637 |
-3,607 |
-2,830 |
-452 |
-4,030 |
-1,117 |
-2,606 |
-2,622 |
-3,894 |
-6,073 |
-2,935 |
Repurchase of Common Equity |
|
-157 |
-246 |
-157 |
-157 |
-158 |
-249 |
-163 |
-161 |
-161 |
-375 |
-167 |
Payment of Dividends |
|
-288 |
-291 |
-289 |
-289 |
-290 |
-292 |
-289 |
-290 |
-289 |
-291 |
-453 |
Cash Interest Paid |
|
1,682 |
2,084 |
4,240 |
3,872 |
627 |
3,108 |
3,377 |
3,346 |
3,370 |
3,211 |
3,393 |
Cash Income Taxes Paid |
|
861 |
103 |
528 |
240 |
484 |
47 |
179 |
337 |
542 |
3.00 |
218 |
Annual Balance Sheets for Capital One Financial
This table presents Capital One Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
308,167 |
334,048 |
357,033 |
365,693 |
372,538 |
390,365 |
421,602 |
432,381 |
455,249 |
478,464 |
490,144 |
Cash and Due from Banks |
|
3,147 |
3,407 |
4,185 |
4,458 |
4,768 |
4,129 |
4,708 |
4,164 |
5,193 |
4,903 |
3,028 |
Restricted Cash |
|
234 |
1,017 |
2,517 |
312 |
303 |
342 |
262 |
308 |
400 |
458 |
441 |
Interest Bearing Deposits at Other Banks |
|
4,095 |
4,616 |
5,791 |
9,582 |
8,418 |
9,278 |
35,801 |
17,582 |
25,663 |
38,394 |
40,202 |
Trading Account Securities |
|
62,634 |
64,584 |
67,492 |
67,610 |
84,113 |
79,613 |
103,155 |
5,888 |
203 |
854 |
202 |
Loans and Leases, Net of Allowance |
|
203,933 |
224,721 |
239,083 |
246,971 |
238,679 |
258,601 |
236,060 |
265,910 |
299,091 |
305,176 |
311,517 |
Loans and Leases |
|
208,316 |
229,851 |
245,586 |
254,473 |
245,899 |
265,809 |
251,624 |
277,340 |
312,331 |
320,472 |
327,775 |
Allowance for Loan and Lease Losses |
|
4,383 |
5,130 |
6,503 |
7,502 |
7,220 |
7,208 |
15,564 |
11,430 |
13,240 |
15,296 |
16,258 |
Premises and Equipment, Net |
|
3,685 |
3,584 |
3,675 |
4,033 |
4,191 |
4,378 |
4,287 |
4,210 |
4,351 |
4,375 |
4,511 |
Goodwill |
|
13,978 |
14,480 |
14,519 |
14,533 |
14,544 |
14,653 |
14,653 |
14,782 |
14,777 |
15,065 |
15,059 |
Intangible Assets |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
233 |
Other Assets |
|
16,461 |
17,639 |
19,771 |
18,194 |
17,522 |
19,371 |
22,676 |
119,537 |
105,571 |
109,239 |
114,951 |
Total Liabilities & Shareholders' Equity |
|
308,167 |
334,048 |
357,033 |
365,693 |
372,538 |
390,365 |
421,602 |
432,381 |
455,249 |
478,464 |
490,144 |
Total Liabilities |
|
263,114 |
286,764 |
309,519 |
316,963 |
320,870 |
332,354 |
361,398 |
371,352 |
402,667 |
420,375 |
429,360 |
Non-Interest Bearing Deposits |
|
25,081 |
25,847 |
25,502 |
26,404 |
23,483 |
23,488 |
31,142 |
38,043 |
32,203 |
28,024 |
26,122 |
Interest Bearing Deposits |
|
180,467 |
191,874 |
211,266 |
217,298 |
226,281 |
239,209 |
274,300 |
272,937 |
300,789 |
320,389 |
336,585 |
Federal Funds Purchased and Securities Sold |
|
880 |
981 |
992 |
576 |
352 |
314 |
668 |
820 |
883 |
538 |
562 |
Short-Term Debt |
|
17,269 |
20,131 |
17,211 |
8,940 |
- |
- |
75 |
- |
33 |
27 |
29 |
Accrued Interest Payable |
|
254 |
299 |
327 |
413 |
458 |
439 |
352 |
281 |
527 |
649 |
666 |
Long-Term Debt |
|
30,308 |
38,003 |
42,257 |
50,765 |
58,553 |
55,383 |
39,796 |
42,266 |
47,799 |
49,291 |
44,960 |
Other Long-Term Liabilities |
|
8,855 |
9,629 |
11,964 |
12,567 |
11,743 |
13,521 |
15,065 |
17,005 |
20,433 |
21,457 |
20,436 |
Commitments & Contingencies |
|
- |
- |
- |
- |
- |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Equity & Noncontrolling Interests |
|
45,053 |
47,284 |
47,514 |
48,730 |
51,668 |
58,011 |
60,204 |
61,029 |
52,582 |
58,089 |
60,784 |
Total Preferred & Common Equity |
|
45,053 |
47,284 |
47,514 |
48,730 |
51,668 |
58,011 |
60,204 |
61,029 |
52,582 |
58,089 |
60,784 |
Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Common Equity |
|
45,053 |
47,284 |
47,514 |
48,730 |
51,668 |
58,011 |
60,204 |
61,029 |
52,582 |
58,089 |
60,784 |
Common Stock |
|
27,875 |
29,661 |
31,164 |
31,663 |
32,047 |
32,987 |
33,487 |
34,119 |
34,732 |
35,548 |
36,435 |
Retained Earnings |
|
23,973 |
27,045 |
29,766 |
30,700 |
35,875 |
40,340 |
40,088 |
51,006 |
57,184 |
60,945 |
64,505 |
Treasury Stock |
|
-6,365 |
-8,806 |
-12,467 |
-12,707 |
-14,991 |
-16,472 |
-16,865 |
-24,470 |
-29,418 |
-30,136 |
-30,870 |
Accumulated Other Comprehensive Income / (Loss) |
|
-430 |
-616 |
-949 |
-926 |
-1,263 |
1,156 |
3,494 |
374 |
-9,916 |
-8,268 |
-9,286 |
Quarterly Balance Sheets for Capital One Financial
This table presents Capital One Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Total Assets |
|
455,249 |
471,660 |
467,800 |
471,435 |
478,464 |
481,720 |
480,018 |
486,433 |
490,144 |
493,604 |
658,968 |
Cash and Due from Banks |
|
5,193 |
3,347 |
3,360 |
4,620 |
4,903 |
4,671 |
5,298 |
3,976 |
3,028 |
4,108 |
4,854 |
Restricted Cash |
|
400 |
460 |
452 |
435 |
458 |
474 |
2,415 |
421 |
441 |
392 |
2,469 |
Interest Bearing Deposits at Other Banks |
|
25,663 |
43,166 |
38,236 |
40,249 |
38,394 |
46,357 |
40,116 |
45,322 |
40,202 |
44,465 |
54,255 |
Trading Account Securities |
|
203 |
363 |
1,211 |
742 |
854 |
1,631 |
80,058 |
83,596 |
202 |
686 |
198 |
Loans and Leases, Net of Allowance |
|
299,091 |
294,518 |
296,677 |
299,825 |
305,176 |
299,774 |
301,537 |
303,709 |
311,517 |
307,699 |
415,424 |
Loans and Leases |
|
312,331 |
308,836 |
311,323 |
314,780 |
320,472 |
315,154 |
318,186 |
320,243 |
327,775 |
323,598 |
439,297 |
Allowance for Loan and Lease Losses |
|
13,240 |
14,318 |
14,646 |
14,955 |
15,296 |
15,380 |
16,649 |
16,534 |
16,258 |
15,899 |
23,873 |
Premises and Equipment, Net |
|
4,351 |
4,365 |
4,359 |
4,378 |
4,375 |
4,366 |
4,396 |
4,440 |
4,511 |
4,579 |
5,687 |
Goodwill |
|
14,777 |
14,779 |
15,060 |
15,048 |
15,065 |
15,062 |
15,062 |
15,083 |
15,059 |
15,070 |
28,335 |
Intangible Assets |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
18,157 |
Other Assets |
|
105,571 |
110,662 |
108,445 |
106,138 |
109,239 |
109,385 |
31,136 |
29,886 |
115,184 |
116,605 |
129,589 |
Total Liabilities & Shareholders' Equity |
|
455,249 |
471,660 |
467,800 |
471,435 |
478,464 |
481,720 |
480,018 |
486,433 |
490,144 |
493,604 |
658,968 |
Total Liabilities |
|
402,667 |
417,007 |
413,241 |
417,767 |
420,375 |
423,919 |
422,037 |
423,508 |
429,360 |
430,062 |
548,012 |
Non-Interest Bearing Deposits |
|
32,203 |
31,186 |
29,312 |
28,794 |
28,024 |
27,617 |
27,005 |
26,378 |
26,122 |
26,500 |
27,879 |
Interest Bearing Deposits |
|
300,789 |
318,641 |
314,393 |
317,217 |
320,389 |
323,352 |
324,437 |
327,253 |
336,585 |
340,964 |
440,231 |
Federal Funds Purchased and Securities Sold |
|
883 |
542 |
649 |
522 |
538 |
568 |
715 |
520 |
562 |
573 |
742 |
Short-Term Debt |
|
33 |
24 |
121 |
25 |
27 |
24 |
25 |
24 |
29 |
25 |
560 |
Accrued Interest Payable |
|
527 |
621 |
637 |
685 |
649 |
762 |
668 |
705 |
666 |
646 |
888 |
Long-Term Debt |
|
47,799 |
48,211 |
49,488 |
48,700 |
49,291 |
49,769 |
47,216 |
48,792 |
44,960 |
41,175 |
51,364 |
Other Long-Term Liabilities |
|
20,433 |
17,782 |
18,641 |
21,824 |
21,457 |
21,827 |
21,971 |
19,836 |
20,436 |
20,179 |
26,348 |
Commitments & Contingencies |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Equity & Noncontrolling Interests |
|
52,582 |
54,653 |
54,559 |
53,668 |
58,089 |
57,801 |
57,981 |
62,925 |
60,784 |
63,542 |
110,956 |
Total Preferred & Common Equity |
|
52,582 |
54,653 |
54,559 |
53,668 |
58,089 |
57,801 |
57,981 |
62,925 |
60,784 |
63,542 |
110,956 |
Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Common Equity |
|
52,582 |
54,653 |
54,559 |
53,668 |
58,089 |
57,801 |
57,981 |
62,925 |
60,784 |
63,542 |
110,956 |
Common Stock |
|
34,732 |
34,959 |
35,170 |
35,341 |
35,548 |
35,815 |
36,019 |
36,223 |
36,435 |
36,700 |
63,472 |
Retained Earnings |
|
57,184 |
57,898 |
59,028 |
60,529 |
60,945 |
61,905 |
62,211 |
63,698 |
64,505 |
65,616 |
60,892 |
Treasury Stock |
|
-29,418 |
-29,664 |
-29,821 |
-29,978 |
-30,136 |
-30,385 |
-30,548 |
-30,709 |
-30,870 |
-31,245 |
-6,589 |
Accumulated Other Comprehensive Income / (Loss) |
|
-9,916 |
-8,540 |
-9,818 |
-12,224 |
-8,268 |
-9,534 |
-9,701 |
-6,287 |
-9,286 |
-7,529 |
-6,819 |
Annual Metrics And Ratios for Capital One Financial
This table displays calculated financial ratios and metrics derived from Capital One Financial's official financial filings.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
-0.42% |
5.04% |
8.92% |
6.81% |
3.08% |
1.84% |
-0.24% |
6.70% |
12.53% |
7.41% |
6.32% |
EBITDA Growth |
|
-0.83% |
-6.88% |
-0.86% |
0.25% |
22.47% |
5.14% |
-34.36% |
187.74% |
-35.46% |
-25.53% |
-1.34% |
EBIT Growth |
|
-0.14% |
-10.47% |
-6.75% |
0.15% |
33.25% |
-6.07% |
-53.40% |
393.57% |
-41.55% |
-34.58% |
-2.23% |
NOPAT Growth |
|
1.58% |
-9.29% |
-6.03% |
-43.85% |
184.60% |
-8.17% |
-50.89% |
356.16% |
-40.62% |
-33.60% |
-2.86% |
Net Income Growth |
|
7.45% |
-8.54% |
-7.38% |
-47.16% |
203.48% |
-7.80% |
-51.06% |
356.52% |
-40.60% |
-33.60% |
-2.80% |
EPS Growth |
|
10.16% |
-6.85% |
-2.55% |
-49.35% |
238.68% |
-6.51% |
-53.12% |
420.08% |
-33.52% |
-33.28% |
-3.01% |
Operating Cash Flow Growth |
|
-6.81% |
8.85% |
17.07% |
19.62% |
-8.49% |
28.21% |
0.36% |
-26.28% |
12.18% |
49.00% |
-11.74% |
Free Cash Flow Firm Growth |
|
-156.29% |
-28.38% |
125.14% |
-69.90% |
538.40% |
-44.33% |
579.49% |
-42.79% |
11.63% |
-120.56% |
402.99% |
Invested Capital Growth |
|
13.84% |
13.81% |
1.48% |
1.36% |
1.65% |
2.88% |
-11.75% |
3.22% |
-2.79% |
6.96% |
-1.52% |
Revenue Q/Q Growth |
|
1.22% |
1.65% |
1.48% |
1.67% |
0.00% |
1.47% |
-0.31% |
2.63% |
2.77% |
1.28% |
1.78% |
EBITDA Q/Q Growth |
|
1.42% |
-0.18% |
-1.64% |
3.73% |
-1.13% |
4.45% |
29.10% |
0.25% |
-10.91% |
-6.62% |
6.31% |
EBIT Q/Q Growth |
|
1.05% |
-1.44% |
-3.50% |
3.25% |
-0.88% |
3.07% |
101.83% |
-0.03% |
-14.09% |
-9.19% |
9.79% |
NOPAT Q/Q Growth |
|
2.20% |
-1.52% |
-2.96% |
-43.88% |
54.53% |
-1.53% |
104.75% |
-1.13% |
-13.96% |
-9.72% |
8.88% |
Net Income Q/Q Growth |
|
3.43% |
-1.91% |
-3.32% |
-47.06% |
59.00% |
-1.51% |
104.98% |
-1.13% |
-13.95% |
-9.72% |
8.95% |
EPS Q/Q Growth |
|
4.12% |
-1.94% |
-1.85% |
-50.71% |
64.40% |
-2.13% |
157.71% |
0.30% |
-11.73% |
-10.89% |
9.44% |
Operating Cash Flow Q/Q Growth |
|
0.63% |
-4.53% |
7.95% |
17.34% |
-1.15% |
1.09% |
3.13% |
0.29% |
33.89% |
-4.89% |
-20.39% |
Free Cash Flow Firm Q/Q Growth |
|
11.15% |
-510.72% |
116.19% |
-64.70% |
-58.78% |
1,393.67% |
83.69% |
-28.51% |
167.11% |
-126.46% |
227.93% |
Invested Capital Q/Q Growth |
|
10.36% |
17.86% |
0.03% |
-0.38% |
7.58% |
5.07% |
-0.44% |
3.07% |
-4.31% |
4.90% |
-5.34% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
38.45% |
34.09% |
31.03% |
29.12% |
34.60% |
35.72% |
23.50% |
63.38% |
36.35% |
25.20% |
23.39% |
EBIT Margin |
|
29.47% |
25.12% |
21.51% |
20.16% |
26.07% |
24.04% |
11.23% |
51.94% |
26.98% |
16.43% |
15.11% |
Profit (Net Income) Margin |
|
19.87% |
17.30% |
14.71% |
7.28% |
21.42% |
19.40% |
9.52% |
40.71% |
21.49% |
13.28% |
12.14% |
Tax Burden Percent |
|
67.41% |
68.87% |
68.40% |
36.09% |
82.19% |
80.68% |
84.73% |
78.37% |
79.65% |
80.84% |
80.37% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
32.67% |
31.78% |
31.25% |
61.45% |
17.67% |
19.51% |
15.17% |
21.60% |
20.35% |
19.16% |
19.68% |
Return on Invested Capital (ROIC) |
|
5.08% |
4.05% |
3.55% |
1.97% |
5.51% |
4.95% |
2.55% |
12.19% |
7.23% |
4.70% |
4.45% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
5.10% |
4.12% |
3.52% |
1.74% |
5.49% |
4.97% |
2.54% |
12.18% |
7.23% |
4.70% |
4.46% |
Return on Net Nonoperating Assets (RNNOA) |
|
5.13% |
4.72% |
4.36% |
2.15% |
6.47% |
5.16% |
2.05% |
8.25% |
5.73% |
4.13% |
3.54% |
Return on Equity (ROE) |
|
10.22% |
8.77% |
7.91% |
4.12% |
11.98% |
10.11% |
4.59% |
20.44% |
12.96% |
8.83% |
7.99% |
Cash Return on Invested Capital (CROIC) |
|
-7.86% |
-8.86% |
2.08% |
0.62% |
3.88% |
2.11% |
15.02% |
9.02% |
10.05% |
-2.03% |
5.99% |
Operating Return on Assets (OROA) |
|
2.17% |
1.83% |
1.59% |
1.52% |
1.98% |
1.80% |
0.79% |
3.70% |
2.08% |
1.29% |
1.22% |
Return on Assets (ROA) |
|
1.46% |
1.26% |
1.09% |
0.55% |
1.63% |
1.45% |
0.67% |
2.90% |
1.66% |
1.05% |
0.98% |
Return on Common Equity (ROCE) |
|
10.22% |
8.77% |
7.91% |
4.12% |
11.98% |
10.11% |
4.59% |
20.44% |
12.96% |
8.83% |
7.99% |
Return on Equity Simple (ROE_SIMPLE) |
|
9.83% |
8.57% |
7.89% |
4.07% |
11.64% |
9.56% |
4.51% |
20.30% |
14.00% |
8.41% |
7.81% |
Net Operating Profit after Tax (NOPAT) |
|
4,423 |
4,012 |
3,770 |
2,117 |
6,025 |
5,533 |
2,717 |
12,394 |
7,360 |
4,887 |
4,747 |
NOPAT Margin |
|
19.84% |
17.14% |
14.78% |
7.77% |
21.46% |
19.35% |
9.53% |
40.72% |
21.49% |
13.28% |
12.14% |
Net Nonoperating Expense Percent (NNEP) |
|
-0.01% |
-0.07% |
0.03% |
0.23% |
0.02% |
-0.02% |
0.01% |
0.01% |
0.00% |
0.00% |
-0.01% |
SG&A Expenses to Revenue |
|
39.75% |
41.02% |
39.71% |
39.23% |
40.17% |
42.14% |
41.19% |
44.54% |
46.34% |
45.82% |
45.48% |
Operating Expenses to Revenue |
|
54.64% |
55.51% |
53.17% |
52.11% |
53.08% |
54.15% |
52.79% |
54.44% |
55.95% |
55.23% |
54.93% |
Earnings before Interest and Taxes (EBIT) |
|
6,569 |
5,881 |
5,484 |
5,492 |
7,318 |
6,874 |
3,203 |
15,809 |
9,240 |
6,045 |
5,910 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
8,571 |
7,981 |
7,912 |
7,932 |
9,714 |
10,213 |
6,704 |
19,290 |
12,450 |
9,271 |
9,147 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.85 |
0.69 |
0.77 |
0.88 |
0.63 |
0.76 |
0.70 |
0.96 |
0.65 |
0.84 |
1.12 |
Price to Tangible Book Value (P/TBV) |
|
1.23 |
1.00 |
1.11 |
1.25 |
0.87 |
1.02 |
0.93 |
1.27 |
0.90 |
1.14 |
1.48 |
Price to Revenue (P/Rev) |
|
1.72 |
1.40 |
1.44 |
1.57 |
1.15 |
1.54 |
1.48 |
1.92 |
0.99 |
1.33 |
1.73 |
Price to Earnings (P/E) |
|
8.82 |
8.44 |
10.44 |
25.15 |
5.66 |
8.49 |
17.74 |
4.89 |
4.83 |
10.69 |
15.26 |
Dividend Yield |
|
1.74% |
2.44% |
2.11% |
1.81% |
2.34% |
1.69% |
1.09% |
1.45% |
3.37% |
1.87% |
1.35% |
Earnings Yield |
|
11.33% |
11.85% |
9.58% |
3.98% |
17.66% |
11.78% |
5.64% |
20.44% |
20.71% |
9.35% |
6.55% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.85 |
0.78 |
0.78 |
0.81 |
0.70 |
0.76 |
0.41 |
0.76 |
0.50 |
0.51 |
0.65 |
Enterprise Value to Revenue (EV/Rev) |
|
3.52 |
3.49 |
3.28 |
3.24 |
2.76 |
3.00 |
1.45 |
2.59 |
1.48 |
1.48 |
1.77 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
9.15 |
10.25 |
10.57 |
11.12 |
7.97 |
8.39 |
6.15 |
4.08 |
4.06 |
5.88 |
7.56 |
Enterprise Value to EBIT (EV/EBIT) |
|
11.94 |
13.90 |
15.25 |
16.06 |
10.58 |
12.47 |
12.87 |
4.98 |
5.48 |
9.02 |
11.70 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
17.73 |
20.38 |
22.18 |
41.66 |
12.85 |
15.49 |
15.18 |
6.35 |
6.87 |
11.16 |
14.57 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
8.43 |
8.07 |
7.05 |
6.22 |
5.96 |
5.15 |
2.47 |
6.40 |
3.66 |
2.65 |
3.81 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
37.91 |
132.84 |
18.26 |
36.32 |
2.57 |
8.59 |
4.94 |
0.00 |
10.84 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
1.06 |
1.23 |
1.25 |
1.23 |
1.13 |
0.95 |
0.66 |
0.69 |
0.91 |
0.85 |
0.74 |
Long-Term Debt to Equity |
|
0.67 |
0.80 |
0.89 |
1.04 |
1.13 |
0.95 |
0.66 |
0.69 |
0.91 |
0.85 |
0.74 |
Financial Leverage |
|
1.01 |
1.14 |
1.24 |
1.24 |
1.18 |
1.04 |
0.81 |
0.68 |
0.79 |
0.88 |
0.79 |
Leverage Ratio |
|
6.98 |
6.96 |
7.29 |
7.51 |
7.35 |
6.96 |
6.87 |
7.04 |
7.81 |
8.44 |
8.15 |
Compound Leverage Factor |
|
6.98 |
6.96 |
7.29 |
7.51 |
7.35 |
6.96 |
6.87 |
7.04 |
7.81 |
8.44 |
8.15 |
Debt to Total Capital |
|
51.36% |
55.15% |
55.59% |
55.06% |
53.12% |
48.84% |
39.84% |
40.92% |
47.63% |
45.92% |
42.53% |
Short-Term Debt to Total Capital |
|
18.64% |
19.10% |
16.09% |
8.24% |
0.00% |
0.00% |
0.07% |
0.00% |
0.03% |
0.03% |
0.03% |
Long-Term Debt to Total Capital |
|
32.72% |
36.05% |
39.50% |
46.82% |
53.12% |
48.84% |
39.77% |
40.92% |
47.60% |
45.89% |
42.51% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
48.64% |
44.85% |
44.41% |
44.94% |
46.88% |
51.16% |
60.16% |
59.08% |
52.37% |
54.08% |
57.47% |
Debt to EBITDA |
|
5.55 |
7.28 |
7.52 |
7.53 |
6.03 |
5.42 |
5.95 |
2.19 |
3.84 |
5.32 |
4.92 |
Net Debt to EBITDA |
|
4.68 |
6.15 |
5.94 |
5.72 |
4.64 |
4.08 |
-0.13 |
1.05 |
1.33 |
0.60 |
0.14 |
Long-Term Debt to EBITDA |
|
3.54 |
4.76 |
5.34 |
6.40 |
6.03 |
5.42 |
5.94 |
2.19 |
3.84 |
5.32 |
4.92 |
Debt to NOPAT |
|
10.76 |
14.49 |
15.77 |
28.20 |
9.72 |
10.01 |
14.67 |
3.41 |
6.50 |
10.09 |
9.48 |
Net Debt to NOPAT |
|
9.07 |
12.24 |
12.46 |
21.42 |
7.48 |
7.52 |
-0.33 |
1.63 |
2.25 |
1.14 |
0.28 |
Long-Term Debt to NOPAT |
|
6.85 |
9.47 |
11.21 |
23.98 |
9.72 |
10.01 |
14.65 |
3.41 |
6.49 |
10.09 |
9.47 |
Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-6,836 |
-8,776 |
2,206 |
664 |
4,239 |
2,360 |
16,036 |
9,174 |
10,241 |
-2,106 |
6,381 |
Operating Cash Flow to CapEx |
|
1,853.39% |
1,903.57% |
1,521.95% |
1,393.12% |
1,484.90% |
1,875.87% |
2,351.97% |
1,763.61% |
1,478.48% |
2,141.00% |
1,508.22% |
Free Cash Flow to Firm to Interest Expense |
|
-4.33 |
-5.40 |
1.09 |
0.24 |
0.99 |
0.46 |
5.14 |
5.74 |
2.48 |
-0.17 |
0.43 |
Operating Cash Flow to Interest Expense |
|
5.89 |
6.23 |
5.88 |
5.13 |
3.02 |
3.22 |
5.35 |
7.70 |
3.35 |
1.62 |
1.22 |
Operating Cash Flow Less CapEx to Interest Expense |
|
5.57 |
5.90 |
5.49 |
4.77 |
2.81 |
3.05 |
5.12 |
7.27 |
3.12 |
1.54 |
1.14 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.07 |
0.07 |
0.07 |
0.08 |
0.08 |
0.08 |
0.07 |
0.07 |
0.08 |
0.08 |
0.08 |
Fixed Asset Turnover |
|
5.93 |
6.44 |
7.03 |
7.07 |
6.83 |
6.67 |
6.58 |
7.16 |
8.00 |
8.43 |
8.80 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
92,630 |
105,418 |
106,982 |
108,435 |
110,221 |
113,394 |
100,075 |
103,295 |
100,414 |
107,407 |
105,773 |
Invested Capital Turnover |
|
0.26 |
0.24 |
0.24 |
0.25 |
0.26 |
0.26 |
0.27 |
0.30 |
0.34 |
0.35 |
0.37 |
Increase / (Decrease) in Invested Capital |
|
11,259 |
12,788 |
1,564 |
1,453 |
1,786 |
3,173 |
-13,319 |
3,220 |
-2,881 |
6,993 |
-1,634 |
Enterprise Value (EV) |
|
78,428 |
81,770 |
83,634 |
88,204 |
77,403 |
85,710 |
41,238 |
78,760 |
50,591 |
54,543 |
69,147 |
Market Capitalization |
|
38,327 |
32,676 |
36,659 |
42,851 |
32,339 |
44,076 |
42,138 |
58,548 |
34,015 |
48,980 |
67,829 |
Book Value per Share |
|
$81.03 |
$88.87 |
$98.52 |
$100.53 |
$109.08 |
$124.56 |
$131.62 |
$143.39 |
$137.76 |
$152.53 |
$159.32 |
Tangible Book Value per Share |
|
$55.89 |
$61.66 |
$68.41 |
$70.55 |
$78.38 |
$93.10 |
$99.59 |
$108.66 |
$99.04 |
$112.97 |
$119.85 |
Total Capital |
|
92,630 |
105,418 |
106,982 |
108,435 |
110,221 |
113,394 |
100,075 |
103,295 |
100,414 |
107,407 |
105,773 |
Total Debt |
|
47,577 |
58,134 |
59,468 |
59,705 |
58,553 |
55,383 |
39,871 |
42,266 |
47,832 |
49,318 |
44,989 |
Total Long-Term Debt |
|
30,308 |
38,003 |
42,257 |
50,765 |
58,553 |
55,383 |
39,796 |
42,266 |
47,799 |
49,291 |
44,960 |
Net Debt |
|
40,101 |
49,094 |
46,975 |
45,353 |
45,064 |
41,634 |
-900 |
20,212 |
16,576 |
5,563 |
1,318 |
Capital Expenditures (CapEx) |
|
502 |
532 |
779 |
1,018 |
874 |
887 |
710 |
698 |
934 |
961 |
1,204 |
Net Nonoperating Expense (NNE) |
|
-5.00 |
-38 |
19 |
135 |
10 |
-13 |
3.00 |
4.00 |
0.00 |
0.00 |
-3.00 |
Net Nonoperating Obligations (NNO) |
|
47,577 |
58,134 |
59,468 |
59,705 |
58,553 |
55,383 |
39,871 |
42,266 |
47,832 |
49,318 |
44,989 |
Total Depreciation and Amortization (D&A) |
|
2,002 |
2,100 |
2,428 |
2,440 |
2,396 |
3,339 |
3,501 |
3,481 |
3,210 |
3,226 |
3,237 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$3.52 |
$11.90 |
$11.10 |
$5.19 |
$27.04 |
$17.98 |
$11.98 |
$11.61 |
Adjusted Weighted Average Basic Shares Outstanding |
|
0.00 |
0.00 |
0.00 |
486.29M |
467.88M |
457.12M |
459.24M |
413.66M |
381.08M |
380.21M |
381.33M |
Adjusted Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$3.49 |
$11.82 |
$11.05 |
$5.18 |
$26.94 |
$17.91 |
$11.95 |
$11.59 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
0.00 |
0.00 |
0.00 |
486.29M |
467.88M |
457.12M |
459.24M |
413.66M |
381.08M |
380.21M |
381.33M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$11.10 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
0.00 |
0.00 |
0.00 |
486.29M |
467.88M |
457.12M |
459.24M |
413.66M |
381.08M |
380.21M |
381.33M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
4,423 |
4,012 |
3,770 |
3,844 |
6,025 |
5,533 |
2,768 |
12,394 |
7,416 |
4,953 |
4,809 |
Normalized NOPAT Margin |
|
19.84% |
17.14% |
14.78% |
14.11% |
21.46% |
19.35% |
9.70% |
40.72% |
21.65% |
13.46% |
12.30% |
Pre Tax Income Margin |
|
29.47% |
25.12% |
21.51% |
20.16% |
26.07% |
24.04% |
11.23% |
51.94% |
26.98% |
16.43% |
15.11% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
4.16 |
3.62 |
2.72 |
1.99 |
1.70 |
1.33 |
1.03 |
9.89 |
2.24 |
0.48 |
0.40 |
NOPAT to Interest Expense |
|
2.80 |
2.47 |
1.87 |
0.77 |
1.40 |
1.07 |
0.87 |
7.76 |
1.79 |
0.38 |
0.32 |
EBIT Less CapEx to Interest Expense |
|
3.84 |
3.29 |
2.33 |
1.62 |
1.50 |
1.16 |
0.80 |
9.46 |
2.01 |
0.40 |
0.32 |
NOPAT Less CapEx to Interest Expense |
|
2.48 |
2.14 |
1.48 |
0.40 |
1.20 |
0.90 |
0.64 |
7.32 |
1.56 |
0.31 |
0.24 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
16.85% |
24.05% |
27.35% |
52.72% |
17.26% |
18.66% |
27.27% |
11.48% |
16.01% |
23.72% |
24.42% |
Augmented Payout Ratio |
|
63.03% |
84.32% |
124.95% |
64.83% |
55.23% |
45.37% |
41.75% |
72.86% |
83.23% |
38.41% |
39.87% |
Quarterly Metrics And Ratios for Capital One Financial
This table displays calculated financial ratios and metrics derived from Capital One Financial's official financial filings.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
11.36% |
8.93% |
9.48% |
6.37% |
5.15% |
5.60% |
5.48% |
6.92% |
7.20% |
6.36% |
31.41% |
EBITDA Growth |
|
-38.98% |
-36.21% |
-38.68% |
4.88% |
-27.52% |
-1.08% |
-28.79% |
-1.63% |
31.39% |
6.41% |
-436.39% |
EBIT Growth |
|
-49.53% |
-60.51% |
-32.61% |
1.60% |
-39.64% |
36.03% |
-62.33% |
-0.18% |
56.55% |
9.29% |
-1,010.75% |
NOPAT Growth |
|
-49.22% |
-60.05% |
-29.54% |
5.67% |
-42.69% |
33.33% |
-58.28% |
-0.73% |
54.82% |
9.69% |
-795.19% |
Net Income Growth |
|
-49.20% |
-60.05% |
-29.54% |
5.67% |
-42.69% |
33.33% |
-58.28% |
-0.73% |
55.24% |
9.69% |
-816.42% |
EPS Growth |
|
-43.19% |
-58.90% |
-29.03% |
5.95% |
-46.65% |
35.50% |
-60.80% |
-0.90% |
59.88% |
10.22% |
-721.74% |
Operating Cash Flow Growth |
|
74.97% |
3,887.34% |
13.54% |
156.72% |
-12.96% |
0.60% |
86.14% |
-9.41% |
-65.52% |
55.05% |
-2.84% |
Free Cash Flow Firm Growth |
|
618.01% |
-1,010.00% |
194.01% |
243.32% |
-252.86% |
-318.32% |
-104.98% |
-274.57% |
143.38% |
224.23% |
-13,424.79% |
Invested Capital Growth |
|
-2.79% |
1.76% |
-6.92% |
-2.43% |
6.96% |
4.57% |
1.01% |
9.13% |
-1.52% |
-2.65% |
54.80% |
Revenue Q/Q Growth |
|
2.67% |
-1.52% |
1.22% |
3.93% |
1.49% |
-1.09% |
1.11% |
5.34% |
1.76% |
-1.86% |
24.92% |
EBITDA Q/Q Growth |
|
-18.56% |
1.13% |
-14.95% |
49.73% |
-43.72% |
38.03% |
-38.78% |
106.84% |
-24.83% |
11.79% |
-293.55% |
EBIT Q/Q Growth |
|
-29.40% |
-24.68% |
48.58% |
28.59% |
-58.06% |
69.74% |
-58.85% |
240.71% |
-34.22% |
18.51% |
-442.92% |
NOPAT Q/Q Growth |
|
-27.27% |
-22.08% |
49.06% |
25.09% |
-60.56% |
81.30% |
-53.36% |
197.65% |
-38.49% |
28.45% |
-395.61% |
Net Income Q/Q Growth |
|
-27.27% |
-22.08% |
49.06% |
25.09% |
-60.56% |
81.30% |
-53.36% |
197.65% |
-38.32% |
28.10% |
-404.63% |
EPS Q/Q Growth |
|
-25.48% |
-26.20% |
52.38% |
26.42% |
-62.47% |
87.43% |
-55.91% |
219.57% |
-39.46% |
29.21% |
-348.70% |
Operating Cash Flow Q/Q Growth |
|
193.73% |
-63.32% |
12.10% |
112.55% |
-0.41% |
-57.61% |
107.41% |
3.44% |
-62.09% |
90.65% |
29.98% |
Free Cash Flow Firm Q/Q Growth |
|
235.92% |
-119.91% |
1,219.78% |
-52.71% |
-244.96% |
45.51% |
86.66% |
-1,556.67% |
136.02% |
56.07% |
-1,552.26% |
Invested Capital Q/Q Growth |
|
-4.31% |
2.46% |
1.24% |
-1.70% |
4.90% |
0.17% |
-2.20% |
6.20% |
-5.34% |
-0.97% |
55.51% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
26.40% |
27.11% |
22.78% |
32.82% |
18.20% |
25.40% |
15.38% |
30.20% |
22.31% |
25.41% |
-39.37% |
EBIT Margin |
|
17.08% |
13.06% |
19.17% |
23.72% |
9.80% |
16.83% |
6.85% |
22.15% |
14.32% |
17.29% |
-47.46% |
Profit (Net Income) Margin |
|
13.63% |
10.78% |
15.88% |
19.11% |
7.43% |
13.61% |
6.28% |
17.75% |
10.76% |
14.04% |
-34.24% |
Tax Burden Percent |
|
79.79% |
82.55% |
82.81% |
80.56% |
75.75% |
80.91% |
91.71% |
80.12% |
75.12% |
81.20% |
72.14% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
20.21% |
17.45% |
17.19% |
19.44% |
24.25% |
19.09% |
8.29% |
19.88% |
25.09% |
18.80% |
0.00% |
Return on Invested Capital (ROIC) |
|
4.58% |
3.70% |
5.26% |
6.70% |
2.63% |
4.82% |
2.27% |
6.37% |
3.94% |
5.25% |
-10.58% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
4.58% |
3.70% |
5.26% |
6.70% |
2.63% |
4.82% |
2.27% |
6.37% |
3.94% |
5.25% |
-10.84% |
Return on Net Nonoperating Assets (RNNOA) |
|
3.63% |
3.10% |
5.26% |
6.59% |
2.31% |
4.20% |
1.95% |
5.33% |
3.13% |
3.94% |
-6.36% |
Return on Equity (ROE) |
|
8.22% |
6.80% |
10.52% |
13.28% |
4.94% |
9.03% |
4.22% |
11.70% |
7.06% |
9.19% |
-16.94% |
Cash Return on Invested Capital (CROIC) |
|
10.05% |
4.06% |
12.09% |
7.68% |
-2.03% |
0.48% |
3.17% |
-4.66% |
5.99% |
7.27% |
-43.29% |
Operating Return on Assets (OROA) |
|
1.32% |
1.01% |
1.51% |
1.88% |
0.77% |
1.32% |
0.55% |
1.78% |
1.16% |
1.41% |
-3.56% |
Return on Assets (ROA) |
|
1.05% |
0.83% |
1.25% |
1.52% |
0.59% |
1.06% |
0.50% |
1.42% |
0.87% |
1.14% |
-2.57% |
Return on Common Equity (ROCE) |
|
8.22% |
6.80% |
10.52% |
13.28% |
4.94% |
9.03% |
4.22% |
11.70% |
7.06% |
9.19% |
-16.94% |
Return on Equity Simple (ROE_SIMPLE) |
|
0.00% |
10.83% |
9.75% |
10.09% |
0.00% |
9.01% |
7.54% |
6.93% |
0.00% |
7.67% |
0.00% |
Net Operating Profit after Tax (NOPAT) |
|
1,232 |
960 |
1,431 |
1,790 |
706 |
1,280 |
597 |
1,777 |
1,093 |
1,404 |
-4,150 |
NOPAT Margin |
|
13.63% |
10.78% |
15.88% |
19.11% |
7.43% |
13.61% |
6.28% |
17.75% |
10.73% |
14.04% |
-33.22% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
-0.01% |
0.00% |
0.26% |
SG&A Expenses to Revenue |
|
47.46% |
46.97% |
44.97% |
43.86% |
47.45% |
46.72% |
43.87% |
44.43% |
46.87% |
47.62% |
43.98% |
Operating Expenses to Revenue |
|
56.19% |
55.54% |
53.20% |
51.89% |
60.14% |
54.64% |
52.03% |
53.07% |
59.75% |
59.02% |
55.96% |
Earnings before Interest and Taxes (EBIT) |
|
1,544 |
1,163 |
1,728 |
2,222 |
932 |
1,582 |
651 |
2,218 |
1,459 |
1,729 |
-5,929 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
2,387 |
2,414 |
2,053 |
3,074 |
1,730 |
2,388 |
1,462 |
3,024 |
2,273 |
2,541 |
-4,918 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.65 |
0.66 |
0.75 |
0.68 |
0.84 |
0.98 |
0.91 |
0.91 |
1.12 |
1.08 |
0.73 |
Price to Tangible Book Value (P/TBV) |
|
0.90 |
0.90 |
1.04 |
0.94 |
1.14 |
1.33 |
1.23 |
1.20 |
1.48 |
1.41 |
1.26 |
Price to Revenue (P/Rev) |
|
0.99 |
1.02 |
1.14 |
1.00 |
1.33 |
1.52 |
1.40 |
1.49 |
1.73 |
1.72 |
1.91 |
Price to Earnings (P/E) |
|
4.83 |
6.38 |
8.16 |
7.12 |
10.69 |
11.58 |
12.98 |
14.08 |
15.26 |
14.96 |
0.00 |
Dividend Yield |
|
3.37% |
3.83% |
2.80% |
3.15% |
1.87% |
1.61% |
1.73% |
1.60% |
1.35% |
1.34% |
1.13% |
Earnings Yield |
|
20.71% |
15.66% |
12.25% |
14.05% |
9.35% |
8.63% |
7.71% |
7.10% |
6.55% |
6.68% |
0.00% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.50 |
0.36 |
0.47 |
0.39 |
0.51 |
0.51 |
0.50 |
0.50 |
0.65 |
0.58 |
0.44 |
Enterprise Value to Revenue (EV/Rev) |
|
1.48 |
1.06 |
1.36 |
1.09 |
1.48 |
1.48 |
1.38 |
1.46 |
1.77 |
1.53 |
1.68 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
4.06 |
3.35 |
4.96 |
4.00 |
5.88 |
5.95 |
6.04 |
6.54 |
7.56 |
6.52 |
24.61 |
Enterprise Value to EBIT (EV/EBIT) |
|
5.48 |
4.97 |
7.32 |
5.97 |
9.02 |
8.51 |
9.71 |
10.45 |
11.70 |
10.01 |
0.00 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
6.87 |
6.27 |
9.12 |
7.34 |
11.16 |
10.56 |
11.96 |
12.91 |
14.57 |
12.44 |
0.00 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
3.66 |
2.20 |
2.81 |
1.84 |
2.65 |
2.67 |
2.23 |
2.47 |
3.81 |
3.06 |
3.66 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
4.94 |
8.96 |
3.71 |
4.99 |
0.00 |
109.77 |
15.75 |
0.00 |
10.84 |
7.85 |
0.00 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
0.91 |
0.88 |
0.91 |
0.91 |
0.85 |
0.86 |
0.81 |
0.78 |
0.74 |
0.65 |
0.47 |
Long-Term Debt to Equity |
|
0.91 |
0.88 |
0.91 |
0.91 |
0.85 |
0.86 |
0.81 |
0.78 |
0.74 |
0.65 |
0.46 |
Financial Leverage |
|
0.79 |
0.84 |
1.00 |
0.98 |
0.88 |
0.87 |
0.86 |
0.84 |
0.79 |
0.75 |
0.59 |
Leverage Ratio |
|
7.81 |
8.16 |
8.41 |
8.76 |
8.44 |
8.48 |
8.42 |
8.22 |
8.15 |
8.04 |
6.74 |
Compound Leverage Factor |
|
7.81 |
8.16 |
8.41 |
8.76 |
8.44 |
8.48 |
8.42 |
8.22 |
8.15 |
8.04 |
6.74 |
Debt to Total Capital |
|
47.63% |
46.88% |
47.62% |
47.59% |
45.92% |
46.28% |
44.90% |
43.69% |
42.53% |
39.33% |
31.88% |
Short-Term Debt to Total Capital |
|
0.03% |
0.02% |
0.12% |
0.02% |
0.03% |
0.02% |
0.02% |
0.02% |
0.03% |
0.02% |
0.34% |
Long-Term Debt to Total Capital |
|
47.60% |
46.86% |
47.51% |
47.56% |
45.89% |
46.26% |
44.87% |
43.67% |
42.51% |
39.31% |
31.53% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
52.37% |
53.12% |
52.38% |
52.41% |
54.08% |
53.72% |
55.10% |
56.31% |
57.47% |
60.67% |
68.12% |
Debt to EBITDA |
|
3.84 |
4.35 |
5.07 |
4.91 |
5.32 |
5.39 |
5.46 |
5.67 |
4.92 |
4.43 |
17.78 |
Net Debt to EBITDA |
|
1.33 |
0.11 |
0.77 |
0.34 |
0.60 |
-0.18 |
-0.07 |
-0.11 |
0.14 |
-0.83 |
-3.31 |
Long-Term Debt to EBITDA |
|
3.84 |
4.35 |
5.06 |
4.91 |
5.32 |
5.38 |
5.46 |
5.67 |
4.92 |
4.43 |
17.59 |
Debt to NOPAT |
|
6.50 |
8.15 |
9.33 |
9.00 |
10.09 |
9.56 |
10.80 |
11.20 |
9.48 |
8.46 |
-141.83 |
Net Debt to NOPAT |
|
2.25 |
0.21 |
1.42 |
0.63 |
1.14 |
-0.33 |
-0.13 |
-0.21 |
0.28 |
-1.59 |
26.37 |
Long-Term Debt to NOPAT |
|
6.49 |
8.15 |
9.31 |
9.00 |
10.09 |
9.56 |
10.80 |
11.19 |
9.47 |
8.45 |
-140.30 |
Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
4,113 |
-819 |
9,171 |
4,337 |
-6,287 |
-3,426 |
-457 |
-7,571 |
2,727 |
4,256 |
-61,808 |
Operating Cash Flow to CapEx |
|
2,812.76% |
1,273.19% |
1,628.16% |
2,752.51% |
2,720.31% |
1,218.62% |
2,160.21% |
2,069.87% |
687.64% |
1,341.09% |
1,520.30% |
Free Cash Flow to Firm to Interest Expense |
|
2.10 |
-0.32 |
3.00 |
1.26 |
-1.73 |
-0.93 |
-0.12 |
-2.00 |
0.75 |
1.25 |
-16.13 |
Operating Cash Flow to Interest Expense |
|
4.16 |
1.17 |
1.10 |
2.07 |
1.96 |
0.82 |
1.67 |
1.71 |
0.68 |
1.37 |
1.58 |
Operating Cash Flow Less CapEx to Interest Expense |
|
4.01 |
1.07 |
1.03 |
1.99 |
1.89 |
0.75 |
1.59 |
1.62 |
0.58 |
1.27 |
1.48 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.08 |
0.08 |
0.08 |
0.08 |
0.08 |
0.08 |
0.08 |
0.08 |
0.08 |
0.08 |
0.08 |
Fixed Asset Turnover |
|
8.00 |
8.13 |
8.32 |
8.40 |
8.43 |
8.54 |
8.63 |
8.72 |
8.80 |
8.88 |
8.47 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
100,414 |
102,888 |
104,168 |
102,393 |
107,407 |
107,594 |
105,222 |
111,741 |
105,773 |
104,742 |
162,880 |
Invested Capital Turnover |
|
0.34 |
0.34 |
0.33 |
0.35 |
0.35 |
0.35 |
0.36 |
0.36 |
0.37 |
0.37 |
0.32 |
Increase / (Decrease) in Invested Capital |
|
-2,881 |
1,779 |
-7,740 |
-2,547 |
6,993 |
4,706 |
1,054 |
9,348 |
-1,634 |
-2,852 |
57,658 |
Enterprise Value (EV) |
|
50,591 |
37,094 |
48,503 |
39,747 |
54,543 |
54,995 |
52,289 |
56,272 |
69,147 |
60,607 |
71,862 |
Market Capitalization |
|
34,015 |
35,832 |
40,942 |
36,326 |
48,980 |
56,704 |
52,877 |
57,175 |
67,829 |
68,372 |
81,516 |
Book Value per Share |
|
$137.76 |
$143.42 |
$142.90 |
$140.70 |
$152.53 |
$151.34 |
$151.81 |
$164.79 |
$159.32 |
$166.63 |
$289.60 |
Tangible Book Value per Share |
|
$99.04 |
$104.63 |
$103.45 |
$101.25 |
$112.97 |
$111.91 |
$112.38 |
$125.29 |
$119.85 |
$127.11 |
$168.25 |
Total Capital |
|
100,414 |
102,888 |
104,168 |
102,393 |
107,407 |
107,594 |
105,222 |
111,741 |
105,773 |
104,742 |
162,880 |
Total Debt |
|
47,832 |
48,235 |
49,609 |
48,725 |
49,318 |
49,793 |
47,241 |
48,816 |
44,989 |
41,200 |
51,924 |
Total Long-Term Debt |
|
47,799 |
48,211 |
49,488 |
48,700 |
49,291 |
49,769 |
47,216 |
48,792 |
44,960 |
41,175 |
51,364 |
Net Debt |
|
16,576 |
1,262 |
7,561 |
3,421 |
5,563 |
-1,709 |
-588 |
-903 |
1,318 |
-7,765 |
-9,654 |
Capital Expenditures (CapEx) |
|
290 |
235 |
206 |
259 |
261 |
247 |
289 |
312 |
356 |
348 |
399 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3.00 |
0.00 |
127 |
Net Nonoperating Obligations (NNO) |
|
47,832 |
48,235 |
49,609 |
48,725 |
49,318 |
49,793 |
47,241 |
48,816 |
44,989 |
41,200 |
51,924 |
Total Depreciation and Amortization (D&A) |
|
843 |
1,251 |
325 |
852 |
798 |
806 |
811 |
806 |
814 |
812 |
1,011 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$3.14 |
$2.32 |
$3.53 |
$4.46 |
$1.67 |
$3.14 |
$1.39 |
$4.42 |
$2.66 |
$3.46 |
($8.58) |
Adjusted Weighted Average Basic Shares Outstanding |
|
381.08M |
381.81M |
381.44M |
380.85M |
380.21M |
381.92M |
381.86M |
381.51M |
381.33M |
383.14M |
639.52M |
Adjusted Diluted Earnings per Share |
|
$3.13 |
$2.31 |
$3.52 |
$4.45 |
$1.67 |
$3.13 |
$1.38 |
$4.41 |
$2.67 |
$3.45 |
($8.58) |
Adjusted Weighted Average Diluted Shares Outstanding |
|
381.08M |
381.81M |
381.44M |
380.85M |
380.21M |
381.92M |
381.86M |
381.51M |
381.33M |
383.14M |
639.52M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
381.08M |
381.81M |
381.44M |
380.85M |
380.21M |
381.92M |
381.86M |
381.51M |
381.33M |
383.14M |
639.52M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
1,232 |
960 |
1,431 |
1,790 |
706 |
1,280 |
597 |
1,777 |
1,093 |
1,404 |
-4,150 |
Normalized NOPAT Margin |
|
13.63% |
10.78% |
15.88% |
19.11% |
7.43% |
13.61% |
6.28% |
17.75% |
10.73% |
14.04% |
-33.22% |
Pre Tax Income Margin |
|
17.08% |
13.06% |
19.17% |
23.72% |
9.80% |
16.83% |
6.85% |
22.15% |
14.32% |
17.29% |
-47.46% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
0.79 |
0.45 |
0.57 |
0.64 |
0.26 |
0.43 |
0.17 |
0.59 |
0.40 |
0.51 |
-1.55 |
NOPAT to Interest Expense |
|
0.63 |
0.37 |
0.47 |
0.52 |
0.19 |
0.35 |
0.16 |
0.47 |
0.30 |
0.41 |
-1.08 |
EBIT Less CapEx to Interest Expense |
|
0.64 |
0.36 |
0.50 |
0.57 |
0.19 |
0.36 |
0.10 |
0.50 |
0.30 |
0.41 |
-1.65 |
NOPAT Less CapEx to Interest Expense |
|
0.48 |
0.28 |
0.40 |
0.44 |
0.12 |
0.28 |
0.08 |
0.39 |
0.20 |
0.31 |
-1.19 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
16.01% |
19.62% |
21.76% |
21.37% |
23.72% |
22.28% |
26.53% |
26.63% |
24.42% |
23.78% |
0.00% |
Augmented Payout Ratio |
|
83.23% |
65.42% |
38.29% |
34.62% |
38.41% |
36.12% |
43.15% |
43.39% |
39.87% |
41.42% |
0.00% |
Key Financial Trends
Capital One Financial Corp (NYSE: COF) has shown notable financial trends and fluctuations over the past several years ending Q2 2025. Here's a detailed summary of key financial highlights derived from its quarterly cash flow statements, income statements, and balance sheets:
- Loan and lease interest income has steadily increased from $8.37 billion in Q4 2022 to $12.45 billion in Q2 2025, reflecting robust core lending activity growth.
- Total interest income grew from about $9.16 billion in Q4 2022 to $13.83 billion in Q2 2025, supporting revenue expansion.
- Capital One maintained significant net cash from continuing operating activities, rising from $2.45 billion in Q4 2022 to $6.18 billion in Q2 2025, indicating strong cash generation capability.
- Total assets expanded from approximately $455 billion at the end of 2022 to about $659 billion by Q2 2025, supported by growth in loans and leases, which increased from ~$312 billion in Q4 2022 to $439 billion in Q2 2025.
- Liquidity levels improved, evidenced by cash and due from banks increasing from approximately $5.19 billion in Q4 2022 to $4.85 billion in Q2 2025 with restricted cash also rising, reflecting strengthened cash buffers.
- The company’s total equity also expanded from roughly $52.58 billion at the end of 2022 to $111 billion in Q2 2025, enhancing its capital base.
- The large provision for credit losses sharply increased from $2.42 billion in Q4 2022 to $11.43 billion in Q2 2025, signaling heightened credit risk and potential future impairments related to loan defaults.
- Net income showed significant volatility — positive through 2022 and 2023 quarters with net incomes of $1.23 billion in Q4 2022 and $1.78 billion in Q3 2024 but dropped to a $4.27 billion loss in Q2 2025, driven by the surge in credit provisions.
- The net loss of $4.3 billion in Q2 2025 and the negative earnings per share of -$8.58 indicate a severe profitability challenge in the most recent quarter, a marked deterioration from positive EPS of over $4 in previous quarters.
- Net cash used in financing activities spiked to nearly -$9.92 billion in Q2 2025, compared to positive or modest outflows in prior periods, reflecting potentially aggressive debt repayments or shareholder returns during financial stress.
Summary: Capital One has experienced strong growth in interest income and asset size over the last few years, indicative of expanding lending activity. However, the recent sharp increase in loan loss provisions has severely impacted profitability turning the latest quarter into a net loss. The company’s capital base has strengthened, but investors should be cautious about the elevated credit risks. Going forward, monitoring credit loss trends and the company’s ability to stabilize earnings will be crucial for determining outlook.
10/07/25 10:11 AM ETAI Generated. May Contain Errors.