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Capital One Financial (COF) Financials

Capital One Financial logo
$224.73 +3.63 (+1.64%)
As of 03:49 PM Eastern
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Annual Income Statements for Capital One Financial

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

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
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

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
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

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
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

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
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

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
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

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
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%

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
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) has experienced notable volatility in earnings and provisions over the last four years through Q2 2025, reflective of broader economic conditions impacting credit quality and interest rates.

Key positive trends and highlights:

  • Net Interest Income showed a general upward trend over recent years, reaching $9.995 billion in Q2 2025, up from $7.197 billion in Q4 2022 and around $7 billion in early 2022, indicating improved interest margin performance likely aided by rising rates.
  • Total Non-Interest Income remains steady, exemplified by $2.497 billion in Q2 2025 compared to roughly $1.8-2.0 billion in prior years, signaling solid fee-based revenue streams.
  • Loan portfolios expanded materially, with net loans increasing from approximately $291.7 billion in Q3 2022 to about $415.4 billion by Q2 2025, reflecting business growth and customer demand.
  • Capital structure remains robust with Total Common Equity increasing to about $111 billion by Q2 2025 from around $63 billion in early 2023, enhancing the bank's capitalization and loss absorption capacity.
  • Operating cash flow has generally been strong, with net cash from operating activities rising from $3.0 billion in Q2 2023 to $6.07 billion in Q2 2025, supporting liquidity and operational funding.
  • The company consistently maintained cash dividends around $0.60 per share, supporting shareholder returns despite wider earnings fluctuations.

Neutral observations:

  • Total non-interest expense has fluctuated but remained within a range around $5-7 billion quarterly, reflecting ongoing investment in operations and personnel.
  • Capital expenditures and purchases of property and equipment have been relatively stable, showing ongoing investment but not excessive capital outlays.

Negative trends and risks:

  • Provision for Loan Losses has spiked dramatically, especially in 2025, with Q2 2025 seeing $11.43 billion, compared to much lower levels under $4 billion in 2023, indicating significant asset quality deterioration and expected credit losses.
  • These heightened credit costs have led to negative net income in 2025, with a consolidated net loss of -$4.277 billion in Q2 2025, a severe swing from profits above $1 billion in 2023 and 2024 quarters.
  • The allowance for loan and lease losses increased substantially to $23.87 billion by Q2 2025 from approximately $15 billion in early 2023, showing management's cautious stance on credit risk exposure.
  • Total liabilities rose significantly in line with loan growth but financing activities showed large net outflows in Q2 2025 (net cash used in financing activities was $9.92 billion), suggesting funding pressures or changing capital management strategies.

Summary:

Capital One Financial's recent financial data reflects a challenging credit environment with soaring credit loss provisions resulting in quarterly losses in early 2025. Nonetheless, the bank has demonstrated strength in growing its loan book, maintaining healthy net interest income, and expanding capitalization. Investors should monitor trends in loan loss provisions and net income closely, as sustained elevated credit costs could pressure profitability. The positive revenue growth and solid capital base provide some cushion, but the next quarters will be critical for assessing the company's foothold amid credit uncertainty.

08/26/25 02:50 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Capital One Financial's Financials

When does Capital One Financial's financial year end?

According to the most recent income statement we have on file, Capital One Financial's fiscal year ends in December. Their fiscal 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 8/26/2025 by MarketBeat.com Staff
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