Capital One Financial (COF) Financials

$226.39 +2.63 (+1.18%)

Closing price 03:59 PM Eastern

Extended Trading

$226.65 +0.26 (+0.11%)

As of 07:18 PM Eastern

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.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	4,343	3,872	3,513	1,704	5,710	5,192	2,375	11,965	7,044	4,582	4,445
Consolidated Net Income / (Loss)	4,428	4,050	3,751	1,982	6,015	5,546	2,714	12,390	7,360	4,887	4,750
Net Income / (Loss) Continuing Operations	4,423	4,012	3,770	2,117	6,025	5,533	2,717	12,394	7,360	4,887	4,747
Total Pre-Tax Income	6,569	5,881	5,484	5,492	7,318	6,874	3,203	15,809	9,240	6,045	5,910
Total Revenue	22,290	23,413	25,501	27,237	28,076	28,593	28,523	30,435	34,250	36,787	39,112
Net Interest Income / (Expense)	17,818	18,834	20,873	22,460	22,875	23,340	22,913	24,171	27,114	29,241	31,208
Total Interest Income	19,397	20,459	22,891	25,222	27,176	28,513	26,033	25,769	31,237	41,938	46,034
Loans and Leases Interest Income	17,662	18,785	21,203	23,388	24,728	25,862	24,074	24,263	28,910	37,410	40,894
Investment Securities Interest Income	1,628	1,575	1,599	1,711	2,211	2,411	1,877	1,446	1,884	2,550	2,873
Other Interest Income	107	99	89	123	237	240	82	60	443	1,978	2,267
Total Interest Expense	1,579	1,625	2,018	2,762	4,301	5,173	3,120	1,598	4,123	12,697	14,826
Deposits Interest Expense	1,088	1,091	1,213	1,602	2,598	3,420	2,165	956	2,535	9,489	11,493
Long-Term Debt Interest Expense	491	534	805	1,160	1,703	1,753	955	642	1,588	3,208	3,333
Total Non-Interest Income	4,472	4,579	4,628	4,777	5,201	5,253	5,610	6,264	7,136	7,546	7,904
Other Service Charges	4,475	4,611	4,639	4,712	5,410	5,227	5,610	6,262	7,145	7,580	7,939
Net Realized & Unrealized Capital Gains on Investments	-3.00	-32	-11	65	-209	26	-	2.00	-9.00	-34	-35
Provision for Credit Losses	3,541	4,536	6,459	7,551	5,856	6,236	10,264	-1,944	5,847	10,426	11,716
Total Non-Interest Expense	12,180	12,996	13,558	14,194	14,902	15,483	15,056	16,570	19,163	20,316	21,486
Salaries and Employee Benefits	4,593	4,975	5,202	5,899	5,727	6,388	6,805	7,421	8,425	9,302	9,398
Net Occupancy & Equipment Expense	2,706	2,884	3,113	3,116	3,378	3,388	3,333	3,265	3,429	3,543	3,828
Marketing Expense	1,561	1,744	1,811	1,670	2,174	2,274	1,610	2,871	4,017	4,009	4,562
Other Operating Expenses	2,788	2,963	3,046	3,264	3,449	3,321	3,248	2,984	3,222	3,380	3,621
Impairment Charge	-	-	-	-	-	-	60	-	70	82	77
Income Tax Expense	2,146	1,869	1,714	3,375	1,293	1,341	486	3,415	1,880	1,158	1,163
Net Income / (Loss) Discontinued Operations	5.00	38	-19	-135	-10	13	-3.00	-4.00	0.00	0.00	3.00
Preferred Stock Dividends Declared	67	158	214	265	265	313	319	320	228	228	228
Net Income / (Loss) Attributable to Noncontrolling Interest	18	20	24	13	40	41	20	105	88	77	77
Basic Earnings per Share	$7.71	$7.15	$6.96	$3.52	$11.90	$11.10	$5.19	$27.04	$17.98	$11.98	$11.61
Weighted Average Basic Shares Outstanding	563.10M	541.80M	504.90M	484.20M	479.90M	457.12M	459.24M	413.66M	381.08M	380.21M	381.33M
Diluted Earnings per Share	$7.59	$7.07	$6.89	$3.49	$11.82	$11.05	$5.18	$26.94	$17.91	$11.95	$11.59
Weighted Average Diluted Shares Outstanding	563.10M	541.80M	504.90M	484.20M	479.90M	457.12M	459.24M	413.66M	381.08M	380.21M	381.33M
Weighted Average Basic & Diluted Shares Outstanding	563.10M	541.80M	504.90M	484.20M	479.90M	457.12M	459.24M	413.66M	381.08M	380.21M	381.33M
Cash Dividends to Common per Share	$1.20	$1.50	$1.60	$1.60	$1.60	$1.60	$1.00	$2.60	$2.40	$2.40	$2.40

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
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
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

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
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
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

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
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
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

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
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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%

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
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
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 (NYSE: COF) exhibits mixed financial results and trends over the recent years with a sharp downturn in Q2 2025 compared to prior periods. Below is a concise analysis focusing on key financial trends and metrics based on the last four years of quarterly data:

Net interest income has generally increased from around $7.0 billion in early 2023 quarters to nearly $10.0 billion in Q2 2025, showing growth in core lending activities.
Total non-interest income remains strong, around $1.9 to $2.5 billion range in recent quarters, supporting revenue diversification beyond interest earnings.
Capital expenditures for property, equipment, and leasehold improvements remain steady at about $200-$400 million quarterly, indicating continued investment in infrastructure.
Capital One maintains a solid equity base with total common equity growing from ~$54.7 billion in early 2022 to about $111 billion by mid-2025, strengthening its financial stability.
Operating cash flow has mostly remained positive through 2023-2025, with $4.7 billion to over $6.1 billion in Q1 and Q2 2025 respectively, reflecting liquidity and operational strength.
Loan and lease balances have increased notably from $303 billion in 2022 to $439 billion by Q2 2025, signaling growth but potentially also increased credit risk exposure that must be monitored.
Allowance for loan and lease losses also rose substantially from ~$12 billion in 2022 to about $23.9 billion in Q2 2025, indicating higher provisions possibly due to expected credit losses or economic conditions.
Long-term debt increased moderately over these years, from about $46 billion in 2022 to $51.3 billion in Q2 2025, reflecting some leverage changes but no alarming debt spike.
Dividends per share have been steady at $0.60 quarterly, showing management's commitment to shareholder returns despite earnings fluctuation.
A severe net loss occurred in Q2 2025 with a consolidated net loss of approximately $4.28 billion, a dramatic swing from profits in prior quarters and years, impacting earnings per share which fell to -$8.58 in Q2 2025 compared to positive values above $3 in preceding quarters.
Provision for credit losses surged sharply to $11.43 billion in Q2 2025 from much lower levels (around $2.3 billion to $3 billion) in prior quarters, suggesting stress or expected defaults in loan portfolio severely weighed on earnings.
Negative net cash flow from financing activities in Q2 2025 stood at about -$9.92 billion, primarily due to large repayments of debt and deposit outflows, creating strain on capital and liquidity management.
Allowance for loan losses growing faster than loans could indicate asset quality pressure and increase future credit costs, impacting profitability.

Summary: Capital One demonstrated steady growth in core lending and investment in recent years, alongside consistent shareholder returns. However, Q2 2025 shows a significant deterioration in profitability driven by extraordinary credit loss provisions and operational challenges. The jump in loan loss reserves underscores heightened caution regarding loan portfolio quality. Investors should closely watch upcoming quarters for signs of credit stabilization, profitability recovery, and effective capital management.

09/15/25 04:27 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Capital One Financial's Financials

When does Capital One Financial's fiscal year end?

According to the most recent income statement we have on file, Capital One Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Capital One Financial's net income changed over the last 10 years?

Capital One Financial's net income appears to be on an upward trend, with a most recent value of $4.75 billion in 2024, rising from $4.43 billion in 2014. The previous period was $4.89 billion in 2023. Check out Capital One Financial's forecast to explore projected trends and price targets.

How has Capital One Financial's revenue changed over the last 10 years?

Over the last 10 years, Capital One Financial's total revenue changed from $22.29 billion in 2014 to $39.11 billion in 2024, a change of 75.5%.

How much debt does Capital One Financial have?

Capital One Financial's total liabilities were at $429.36 billion at the end of 2024, a 2.1% increase from 2023, and a 63.2% increase since 2014.

How much cash does Capital One Financial have?

In the past 10 years, Capital One Financial's cash and equivalents has ranged from $3.03 billion in 2024 to $5.19 billion in 2022, and is currently $3.03 billion as of their latest financial filing in 2024.

How has Capital One Financial's book value per share changed over the last 10 years?

Over the last 10 years, Capital One Financial's book value per share changed from 81.03 in 2014 to 159.32 in 2024, a change of 96.6%.

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This page (NYSE:COF) was last updated on 9/15/2025 by MarketBeat.com Staff

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