Capital One Financial Corporation (COF) reported $63.01B of revenue for the twelve months ended Sep 30, 2026. That is up 31.2% from the year before. Revenue for fiscal 2025 was $53.43B.

Yes. Capital One Financial Corporation earned $10.87B in net income for the twelve months ended Sep 30, 2026, a net margin of 17.2%.

How much cash and debt does COF have?

Capital One Financial Corporation reported $49.33B in cash and cash equivalents and $49.77B of debt on its most recent balance sheet in SEC filings.

How fast is COF revenue growing?

Capital One Financial Corporation's revenue changed +36.6% in fiscal 2025, to $53.43B. Its compound annual growth rate was +13.4% over 5 years and +8.6% over 10 years.

What is COF free cash flow?

Capital One Financial Corporation generated $26.25B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $28.01B less capital expenditures.

When did COF last report financial results?

The latest statements here come from Capital One Financial Corporation's 10-Q filed on Nov 3, 2026, covering the period ended Sep 30, 2026.

Financials · COF

Capital One Financial Corporation (COF) financials

For the twelve months ended Sep 30, 2026, Capital One Financial Corporation reported $63.01B of revenue and $10.87B of net income.

Revenue, TTM: $63.01B
Revenue growth, YoY: +31.2%
Net income, TTM: $10.87B
Net income growth, YoY: +668.0%
Net margin: 17.2%
Free cash flow, TTM: $26.25B
Cash: $49.33B
Total debt: $49.77B
P/E: 11.17
P/S: 1.93
Market cap: $121.43B

Annual revenue$53.43B

FY2016FY2025

Annual net income$2.45B

FY2016FY2025

Annual free cash flow$26.14B

FY2016FY2025

COF revenue and earnings growth

COF revenueQ3 2026$16.34B

Quarter YoY: +6.4%
QoQ: +3.1%
FY YoY: +36.6%
5Y CAGR: +13.4%
10Y CAGR: +8.6%

COF revenue was $16.34B in fiscal Q3 2026 (ended Sep 30, 2026), up 6.4% from a year earlier and up 3.1% from the prior quarter. For the full fiscal 2025 it was $53.43B, up 36.6% from fiscal 2024. Compound annual growth was +13.4% over 5 years and +8.6% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

COF net incomeQ3 2026$3.54B

Quarter YoY: +10.9%
QoQ: +17.2%
FY YoY: -48.4%
5Y CAGR: -2.0%
10Y CAGR: -4.9%

COF net income was $3.54B in fiscal Q3 2026 (ended Sep 30, 2026), up 10.9% from a year earlier and up 17.2% from the prior quarter. For the full fiscal 2025 it was $2.45B, down 48.4% from fiscal 2024. Compound annual growth was -2.0% over 5 years and -4.9% over 10 years. It rose in 2 of the last 10 fiscal years.

COF EPSQ3 2026$5.61

Quarter YoY: +16.1%
QoQ: +18.6%

COF diluted EPS was $5.61 in fiscal Q3 2026 (ended Sep 30, 2026), up 16.1% from a year earlier and up 18.6% from the prior quarter. For the full fiscal 2025 it was $4.03.

COF free cash flowQ3 2026$5.32B

Quarter YoY: -39.3%
QoQ: -34.1%
FY YoY: +54.2%
5Y CAGR: +10.3%
10Y CAGR: +10.5%

COF free cash flow was $5.32B in fiscal Q3 2026 (ended Sep 30, 2026), down 39.3% from a year earlier and down 34.1% from the prior quarter. For the full fiscal 2025 it was $26.14B, up 54.2% from fiscal 2024. Compound annual growth was +10.3% over 5 years and +10.5% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

Export CSV

Income statement

Income statement
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue	$53.43B	$39.11B	$36.79B	$34.25B	$30.43B	$28.52B	$28.59B	$28.08B	$27.24B	$25.50B
Interest expense	-	-	$12.70B	$4.12B	$1.60B	$3.12B	$5.17B	$4.30B	$2.76B	$2.02B
Pre-tax income	$2.28B	$5.91B	$6.04B	$9.24B	$15.81B	$3.20B	$6.87B	$7.32B	$5.49B	$5.48B
Income tax	$193.00M	$1.16B	$1.16B	$1.88B	$3.42B	$486.00M	$1.34B	$1.29B	$3.38B	$1.71B
Net income	$2.45B	$4.75B	$4.89B	$7.36B	$12.39B	$2.71B	$5.55B	$6.01B	$1.98B	$3.75B
EPS, basic	$4.03	$11.61	$11.98	$17.98	$27.04	$5.19	$11.10	$11.90	$3.52	$6.96
EPS, diluted	$4.03	$11.59	$11.95	$17.91	$26.94	$5.18	$11.05	$11.82	$3.49	$6.89
Diluted shares	541.3M	383.6M	383.4M	393.2M	444.2M	458.9M	469.9M	483.1M	488.6M	509.8M

Balance sheet

Balance sheet
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Cash and equivalents	$62.09B	$43.67B	$43.76B	$31.26B	$22.05B	$40.77B	$13.75B	$13.49B	$14.35B	$12.49B
Goodwill	$28.51B	$15.06B	$15.06B	$14.78B	$14.78B	$14.65B	$14.65B	$14.54B	$14.53B	$14.52B
Total assets	$669.01B	$490.14B	$478.46B	$455.25B	$432.38B	$421.60B	$390.37B	$372.54B	$365.69B	$357.03B
Short-term debt	$1.09B	$562.00M	$538.00M	$883.00M	$820.00M	$668.00M	$7.31B	$9.40B	$576.00M	$992.00M
Long-term debt	$49.91B	$44.99B	$49.32B	$47.83B	$42.27B	$39.87B	$48.38B	$49.50B	$59.70B	$59.47B
Total debt	$51.00B	$45.55B	$49.86B	$48.72B	$43.09B	$40.54B	$55.70B	$58.91B	$60.28B	$60.46B
Total liabilities	$555.39B	$429.36B	$420.38B	$402.67B	$371.35B	$361.40B	$332.35B	$320.87B	$316.96B	$309.52B
Shareholders' equity	$113.62B	$60.78B	$58.09B	$52.58B	$61.03B	$60.20B	$58.01B	$51.67B	$48.73B	$47.51B

Cash flow

Cash flow
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Operating cash flow	$27.72B	$18.16B	$20.57B	$13.81B	$12.31B	$16.70B	$16.64B	$12.98B	$14.18B	$11.86B
Capital expenditures	$1.58B	$1.20B	$961.00M	$934.00M	$698.00M	$710.00M	$887.00M	$874.00M	$1.02B	$779.00M
Free cash flow	$26.14B	$16.95B	$19.61B	$12.88B	$11.61B	$15.99B	$15.75B	$12.10B	$13.16B	$11.08B
Investing cash flow	-$444.00M	-$26.41B	-$21.92B	-$29.74B	-$31.50B	-$14.84B	-$23.00B	-$15.62B	-$15.54B	-$25.63B
Financing cash flow	-$8.85B	$8.17B	$13.84B	$25.13B	$474.00M	$25.16B	$6.62B	$1.78B	$3.22B	$17.23B
Dividends paid	$1.52B	$932.00M	$931.00M	$950.00M	$1.15B	$460.00M	$753.00M	$773.00M	$780.00M	$812.00M
Share repurchases	$4.10B	$734.00M	$718.00M	$4.95B	$7.61B	$393.00M	$1.48B	$2.28B	$240.00M	$3.66B
Stock-based compensation	$776.00M	$569.00M	$513.00M	$314.00M	$331.00M	$203.00M	$239.00M	$170.00M	$244.00M	$239.00M
Depreciation and amortization	$5.26B	$3.24B	$3.23B	$3.21B	$3.48B	$3.50B	$3.34B	$2.40B	$2.44B	$2.43B

Key ratios

Key ratios
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue growth, YoY	36.6%	6.3%	7.4%	12.5%	6.7%	-0.2%	1.8%	3.1%	6.8%	8.9%
Net income growth, YoY	-48.4%	-2.8%	-33.6%	-40.6%	356.5%	-51.1%	-7.8%	203.5%	-47.2%	-7.4%
EPS growth, YoY	-	-3.0%	-33.3%	-33.5%	420.1%	-53.1%	-6.5%	238.7%	-49.3%	-2.5%
Net margin	4.6%	12.1%	13.3%	21.5%	40.7%	9.5%	19.4%	21.4%	7.3%	14.7%
Free cash flow margin	48.9%	43.3%	53.3%	37.6%	38.2%	56.1%	55.1%	43.1%	48.3%	43.4%
Return on equity	2.2%	7.8%	8.4%	14.0%	20.3%	4.5%	9.6%	11.6%	4.1%	7.9%
Return on assets	0.4%	1.0%	1.0%	1.6%	2.9%	0.6%	1.4%	1.6%	0.5%	1.1%
Debt to equity	0.45	0.75	0.86	0.93	0.71	0.67	0.96	1.14	1.24	1.27

Income statement

Income statement
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue	$16.34B	$15.85B	$15.23B	$15.58B	$15.36B	$12.49B	$10.00B	$10.19B	$10.01B	$9.51B	$9.40B	$9.51B
Interest expense	-	-	-	-	-	-	-	-	-	-	$3.69B	$3.63B
Pre-tax income	$4.57B	$3.82B	$2.70B	$2.10B	$4.38B	-$5.93B	$1.73B	$1.46B	$2.22B	$651.00M	$1.58B	$932.00M
Income tax	$1.03B	$798.00M	$518.00M	$345.00M	$1.19B	-$1.67B	$325.00M	$366.00M	$441.00M	$54.00M	$302.00M	$226.00M
Net income	$3.54B	$3.02B	$2.17B	$2.13B	$3.19B	-$4.28B	$1.40B	$1.10B	$1.78B	$597.00M	$1.28B	$706.00M
EPS, basic	$5.62	$4.73	$3.34	-	$4.83	-$8.58	$3.46	$2.66	$4.42	$1.39	$3.14	$1.67
EPS, diluted	$5.61	$4.73	$3.34	-	$4.83	-$8.58	$3.45	$2.67	$4.41	$1.38	$3.13	$1.67
Diluted shares	609.5M	621.1M	623.4M	-	639.5M	505.6M	384.0M	-	383.7M	383.9M	383.4M	-

Balance sheet

Balance sheet
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Cash and equivalents	$49.33B	$55.88B	$79.26B	$62.09B	$58.53B	$61.58B	$48.97B	$43.67B	$49.72B	$47.83B	$51.50B	$43.76B
Goodwill	$31.88B	$31.87B	$28.50B	$28.51B	$28.86B	$28.34B	$15.07B	$15.06B	$15.08B	$15.06B	$15.06B	$15.06B
Total assets	$672.87B	$673.84B	$682.90B	$669.01B	$661.88B	$658.97B	$493.60B	$490.14B	$486.43B	$480.02B	$481.72B	$478.46B
Short-term debt	$2.11B	$694.00M	$1.63B	$1.09B	$616.00M	$742.00M	$573.00M	$562.00M	$520.00M	$715.00M	$568.00M	$538.00M
Long-term debt	$47.66B	$44.68B	$50.26B	$49.91B	$50.87B	$51.92B	$41.20B	$44.99B	$48.82B	$47.24B	$49.79B	$49.32B
Total debt	$49.77B	$45.37B	$51.89B	$51.00B	$51.48B	$52.67B	$41.77B	$45.55B	$49.34B	$47.96B	$50.36B	$49.86B
Total liabilities	$563.21B	$560.04B	$570.64B	$555.39B	$548.06B	$548.01B	$430.06B	$429.36B	$423.51B	$422.04B	$423.92B	$420.38B
Shareholders' equity	$109.66B	$113.79B	$112.26B	$113.62B	$113.81B	$110.96B	$63.54B	$60.78B	$62.92B	$57.98B	$57.80B	$58.09B

Cash flow

Cash flow
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Operating cash flow	$5.71B	$8.44B	$6.02B	$7.83B	$9.15B	$6.07B	$4.67B	$2.45B	$6.46B	$6.24B	$3.01B	$7.10B
Capital expenditures	$392.00M	$367.00M	$553.00M	$444.00M	$387.00M	$399.00M	$348.00M	$356.00M	$312.00M	$289.00M	$247.00M	$261.00M
Free cash flow	$5.32B	$8.08B	$5.47B	$7.39B	$8.77B	$5.67B	$4.32B	$2.09B	$6.15B	$5.95B	$2.76B	$6.84B
Investing cash flow	-$10.24B	-$16.49B	$26.00M	-$7.81B	-$9.95B	$16.47B	$845.00M	-$14.25B	-$6.30B	-$7.53B	$1.68B	-$9.69B
Financing cash flow	-$2.02B	-$15.33B	$11.11B	$3.54B	-$2.25B	-$9.92B	-$218.00M	$5.75B	$1.74B	-$2.38B	$3.06B	$1.04B
Dividends paid	$490.00M	$500.00M	$502.00M	$508.00M	$386.00M	$388.00M	$234.00M	$232.00M	$233.00M	$232.00M	$235.00M	$233.00M
Share repurchases	$2.68B	$2.75B	$2.79B	$2.52B	$1.04B	$167.00M	$375.00M	$161.00M	$161.00M	$163.00M	$249.00M	$158.00M
Stock-based compensation	$175.00M	$215.00M	$131.00M	$200.00M	$174.00M	$225.00M	$177.00M	$144.00M	$127.00M	$105.00M	$193.00M	$141.00M
Depreciation and amortization	$1.57B	$1.58B	$1.51B	$1.60B	$1.83B	$1.01B	$812.00M	$814.00M	$806.00M	$811.00M	$806.00M	$798.00M

Key ratios

Key ratios
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue growth, YoY	6.4%	26.9%	52.3%	52.9%	53.4%	31.4%	6.4%	7.2%	6.9%	5.5%	5.6%	5.2%
Net income growth, YoY	10.9%	-	54.8%	94.7%	79.6%	-	9.7%	55.2%	-0.7%	-58.3%	33.3%	-42.7%
EPS growth, YoY	16.1%	-	-	-	-	-	10.2%	59.9%	-0.9%	-60.8%	35.5%	-46.6%
Net margin	21.7%	19.1%	14.3%	13.7%	20.8%	-34.2%	14.0%	10.8%	17.7%	6.3%	13.6%	7.4%
Free cash flow margin	32.6%	51.0%	35.9%	47.4%	57.1%	45.4%	43.2%	20.5%	61.4%	62.6%	29.4%	71.9%
Debt to equity	0.45	0.40	0.46	0.45	0.45	0.47	0.66	0.75	0.78	0.83	0.87	0.86

Source: XBRL data Capital One Financial Corporation files with the SEC, latest filing dated Nov 3, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

COF peers

Company	Revenue	Growth	Net income	Net margin	Market cap
COF	$63.01B	+31.2%	$10.87B	17.2%	$121.43B
JPMJP Morgan Chase & Co.	$203.15B	+13.2%	$65.98B	32.5%	$888.26B
BACBank of America Corporation	$120.16B	+5.4%	$32.24B	26.8%	$340.97B
WFCWells Fargo & Company	$87.23B	+5.4%	$22.97B	26.3%	$251.98B
CCitigroup Inc.	$85.22B	+5.6%	$14.31B	16.8%	$199.70B
UBSUBS Group AG Registered	$49.57B	+2.0%	$7.80B	15.7%	$148.27B
MFGMizuho Financial Group Inc. Sponosred ADR (Japan)	¥8.79T	+7.6%	¥1.16T	13.2%	$116.96B
BNSBank Nova Scotia Halifax Pfd 3	C$37.74B	+12.1%	C$7.79B	20.6%	$112.48B
BNYThe Bank of New York Mellon Corporation	$21.96B	+11.2%	$6.54B	29.8%	$99.40B

COF FAQ

7 questions

What is COF revenue?
Capital One Financial Corporation (COF) reported $63.01B of revenue for the twelve months ended Sep 30, 2026. That is up 31.2% from the year before. Revenue for fiscal 2025 was $53.43B.
Is COF profitable?
Yes. Capital One Financial Corporation earned $10.87B in net income for the twelve months ended Sep 30, 2026, a net margin of 17.2%.
How much cash and debt does COF have?
Capital One Financial Corporation reported $49.33B in cash and cash equivalents and $49.77B of debt on its most recent balance sheet in SEC filings.
How fast is COF revenue growing?
Capital One Financial Corporation's revenue changed +36.6% in fiscal 2025, to $53.43B. Its compound annual growth rate was +13.4% over 5 years and +8.6% over 10 years.
What is COF free cash flow?
Capital One Financial Corporation generated $26.25B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $28.01B less capital expenditures.
When did COF last report financial results?
The latest statements here come from Capital One Financial Corporation's 10-Q filed on Nov 3, 2026, covering the period ended Sep 30, 2026.
Where does this COF financial data come from?
Quantisnow builds these statements from the structured XBRL data Capital One Financial Corporation files with the SEC. It is provided for information only and is not investment advice.