Capital One Financial Corporation (COF) 10-Year Financial Performance & Capital Metrics

COF • • Banking & Credit

Financial ServicesCredit ServicesConsumer Lending & Credit CardsGeneral Purpose Credit Cards

AboutCapital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.Show more

Net Interest Income $31.21B +6.7%
Total Revenue $53.94B +9.0%
Net Income $4.75B -2.8%
Return on Equity 7.99% -9.5%
Net Interest Margin 6.37% +4.2%
Efficiency Ratio 39.83% -3.0%
ROA 0.98% -6.3%
Equity / Assets 12.4% +2.1%
Book Value per Share 158.46 +4.6%
Tangible BV/Share 119.20 +6.2%
Debt/Equity 0.75 -12.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong NIM of 6.4%
✓Efficient operations: 39.8% efficiency ratio
✓Well capitalized: 12.4% equity/assets
✓Trading at only 1.5x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y8.49%

5Y9.82%

3Y18.97%

TTM-

Profit (Net Income) CAGR

10Y0.7%

5Y-3.05%

3Y-27.35%

TTM-67.52%

EPS CAGR

10Y4.32%

5Y0.96%

3Y-24.51%

TTM-77.62%

ROCE

10Y Avg6.24%

5Y Avg6.66%

3Y Avg5.71%

Latest4.63%

Peer Comparison

General Purpose Credit Cards

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
AXPAmerican Express Company	246.61B	358.00	25.54	10.15%	13.65%	32.52%	4.92%	1.69
COFCapital One Financial Corporation	147.12B	231.41	19.97	9%	8.81%	1.24%	11.53%	0.75
BFHBread Financial Holdings, Inc.	3.18B	69.79	12.69	-7.27%	5.77%	14.23%	58.41%	1.86
SYFSynchrony Financial	28.11B	78.06	9.13	19.73%	16.86%	20.95%	35.03%	0.93
SYF-PBSynchrony Financial	9.5B	26.37	3.08	52.34%	16.86%	20.95%	100%	0.93

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	18.83B	20.87B	22.46B	22.88B	23.34B	22.91B	24.17B	27.11B	29.24B	31.21B
NII Growth %	0.06%	0.11%	0.08%	0.02%	0.02%	-0.02%	0.05%	0.12%	0.08%	0.07%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	20.46B	22.89B	25.22B	27.18B	28.51B	26.03B	25.77B	31.24B	41.94B	46.03B
Interest Expense	1.63B	2.02B	2.76B	4.3B	5.17B	3.12B	1.6B	4.12B	12.7B	14.83B
Loan Loss Provision	4.54B	6.46B	7.55B	5.86B	6.24B	10.26B	-1.94B	5.85B	10.43B	11.72B
Non-Interest Income+	4.58B	4.63B	4.78B	4.7B	5.25B	5.61B	6.26B	7.14B	7.55B	7.9B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	25.04B	27.52B	30B	31.88B	33.77B	31.64B	32.03B	38.37B	49.48B	53.94B
Revenue Growth %	0.05%	0.1%	0.09%	0.06%	0.06%	-0.06%	0.01%	0.2%	0.29%	0.09%
Non-Interest Expense	13B	13.56B	14.19B	14.4B	15.48B	15.06B	16.57B	19.16B	20.32B	21.49B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	5.88B	5.48B	5.49B	7.32B	6.87B	3.2B	15.81B	9.24B	6.04B	5.91B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.1%	-0.07%	0%	0.33%	-0.06%	-0.53%	3.94%	-0.42%	-0.35%	-0.02%
Pretax Income+	5.88B	5.48B	5.49B	7.32B	6.87B	3.2B	15.81B	9.24B	6.04B	5.91B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.87B	1.71B	3.38B	1.29B	1.34B	486M	3.42B	1.88B	1.16B	1.16B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	4.05B	3.75B	1.98B	6.01B	5.55B	2.71B	12.39B	7.36B	4.89B	4.75B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.09%	-0.07%	-0.47%	2.03%	-0.08%	-0.51%	3.57%	-0.41%	-0.34%	-0.03%
Net Income (Continuing)	4.01B	3.77B	2.12B	6.03B	5.53B	2.72B	12.39B	7.36B	4.89B	4.75B
EPS (Diluted)+	7.07	6.89	3.49	12.45	11.05	5.18	26.94	17.91	11.95	11.59
EPS Growth %	-0.07%	-0.03%	-0.49%	2.57%	-0.11%	-0.53%	4.2%	-0.34%	-0.33%	-0.03%
EPS (Basic)	7.15	6.96	3.52	11.90	11.10	5.19	27.04	17.98	11.98	11.61
Diluted Shares Outstanding	548M	509.8M	488.6M	483.1M	469.9M	458.9M	444.2M	393.2M	383.4M	383.6M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	7.98B	9.98B	14.04B	13.19B	13.41B	40.51B	21.75B	30.86B	43.3B	43.23B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	294.47B	313.08B	322.08B	330.01B	345.42B	354.78B	367.06B	376.21B	385.15B	394.73B
Investments Growth %	0.09%	0.06%	0.03%	0.02%	0.05%	0.03%	0.03%	0.02%	0.02%	0.02%
Long-Term Investments	255.37B	272.34B	284.43B	283.86B	266.21B	254.33B	271.8B	299.29B	306.03B	390.88B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	14.48B	14.52B	14.53B	14.54B	14.65B	14.65B	14.78B	14.78B	15.06B	15.06B
Intangible Assets	0	0	0	528M	474M	90M	111M	0	0	0
PP&E (Net)	3.58B	3.67B	4.03B	4.19B	4.38B	4.29B	4.21B	4.35B	4.38B	4.51B
Other Assets	12.3B	14.43B	9.47B	8.99B	10.27B	5.81B	23.01B	26.95B	28.1B	30.08B
Total Current Assets	48.31B	52.06B	53.23B	60.95B	94.38B	142.43B	118.47B	109.88B	124.89B	49.62B
Total Non-Current Assets	285.74B	304.97B	312.46B	311.59B	295.99B	279.18B	313.91B	345.37B	353.57B	440.53B
Total Assets+	334.05B	357.03B	365.69B	372.54B	390.37B	421.6B	432.38B	455.25B	478.46B	490.14B
Asset Growth %	0.08%	0.07%	0.02%	0.02%	0.05%	0.08%	0.03%	0.05%	0.05%	0.02%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%	0.03%	0.02%	0.01%	0.01%
Accounts Payable	299M	327M	413M	458M	439M	352M	281M	527M	649M	666M
Total Debt+	59.12B	60.49B	60.28B	58.91B	55.7B	40.54B	43.09B	48.75B	49.86B	45.55B
Net Debt	51.09B	50.52B	46.24B	45.72B	42.29B	30M	21.34B	17.89B	6.56B	2.32B
Long-Term Debt	38B	42.29B	51.1B	49.5B	48.28B	39.8B	42.21B	47.83B	49.32B	44.99B
Short-Term Debt	21.08B	18.17B	9.19B	9.4B	7.31B	668M	820M	883M	538M	562M
Other Liabilities	9.63B	11.93B	12.57B	11.74B	13.52B	15.06B	17B	20.4B	21.46B	20.44B
Total Current Liabilities	239.1B	255.27B	253.3B	259.62B	270.45B	306.46B	312.08B	334.4B	349.6B	363.94B
Total Non-Current Liabilities	47.66B	54.25B	63.66B	61.25B	61.9B	54.94B	59.27B	68.27B	70.78B	65.42B
Total Liabilities	286.76B	309.52B	316.96B	320.87B	332.35B	361.4B	371.35B	402.67B	420.38B	429.36B
Total Equity+	47.28B	47.51B	48.73B	51.67B	58.01B	60.2B	61.03B	52.58B	58.09B	60.78B
Equity Growth %	0.05%	0%	0.03%	0.06%	0.12%	0.04%	0.01%	-0.14%	0.1%	0.05%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.09%	0.08%	0.04%	0.12%	0.1%	0.05%	0.2%	0.13%	0.09%	0.08%
Book Value per Share	86.28	93.20	99.73	106.95	123.45	131.19	137.39	133.73	151.51	158.46
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	6M	7M	7M	7M	7M	7M	7M	7M	7M	7M
Additional Paid-in Capital	29.66B	31.16B	31.66B	32.04B	32.98B	33.48B	34.11B	34.73B	35.54B	36.43B
Retained Earnings	27.05B	29.77B	30.7B	35.88B	40.34B	40.09B	51.01B	57.18B	60.95B	64.5B
Accumulated OCI	-616M	-949M	-926M	-1.26B	1.16B	3.49B	374M	-9.92B	-8.27B	-9.29B
Treasury Stock	-8.81B	-12.47B	-12.71B	-14.99B	-16.47B	-16.86B	-24.47B	-29.42B	-30.14B	-30.87B
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	10.13B	11.86B	14.18B	12.98B	16.64B	16.7B	12.31B	13.81B	20.57B	18.16B
Operating CF Growth %	0.09%	0.17%	0.2%	-0.08%	0.28%	0%	-0.26%	0.12%	0.49%	-0.12%
Net Income	4.05B	3.75B	1.98B	6.01B	5.55B	2.71B	12.39B	7.36B	4.89B	4.75B
Depreciation & Amortization	2.1B	2.43B	2.44B	2.4B	3.34B	3.5B	3.48B	3.21B	3.23B	3.24B
Deferred Taxes	4.4B	-686M	1.43B	714M	-296M	-1.63B	605M	-772M	-723M	-853M
Other Non-Cash Items	-137M	6.15B	7.71B	4.79B	7.04B	9.52B	-1.92B	6.55B	10.35B	12.02B
Working Capital Changes	-450M	-25M	371M	-1.11B	774M	2.39B	-2.57B	-2.86B	2.33B	-1.57B
Cash from Investing+	-29.73B	-25.63B	-15.54B	-15.62B	-23B	-14.84B	-31.5B	-29.74B	-21.92B	-26.41B
Purchase of Investments	-16.48B	-17.94B	-18.3B	-33.19B	-12.5B	-43.03B	-27.88B	-14.85B	-10.45B	-17.18B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-9.31B	-629M	-3.19B	-600M	-8.39B	-7M	-669M	-1.18B	-2.79B	0
Other Investing	-17.69B	-20.98B	-11.03B	2.72B	-19.6B	5.77B	-32B	-34.42B	-16.86B	-20.05B
Cash from Financing+	20.38B	15.73B	3.22B	1.78B	6.62B	25.16B	474M	25.13B	13.84B	8.17B
Dividends Paid	-974M	-1.03B	-1.04B	-1.04B	-1.03B	-740M	-1.42B	-1.18B	-1.16B	-1.16B
Share Repurchases	-2.44B	-3.66B	-240M	-2.28B	-2.48B	-1.77B	-9.71B	-4.95B	-718M	-734M
Stock Issued	111M	131M	164M	175M	1.66B	1.57B	2.31B	276M	299M	323M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	1000K	-1000K
Other Financing	11.46B	17.67B	7.28B	6.29B	12.66B	42.58B	5.74B	22.83B	15.48B	14.16B
Net Change in Cash+	781M	1.95B	1.86B	-863M	260M	27.02B	-18.72B	9.2B	12.5B	-84M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	7.24B	8.02B	12.49B	14.35B	13.49B	13.75B	40.77B	22.05B	31.26B	43.76B
Cash at End	8.02B	9.98B	14.35B	13.49B	13.75B	40.77B	22.05B	31.26B	43.76B	43.67B
Interest Paid	1.64B	2.25B	2.77B	3.93B	4.79B	3.58B	2.16B	3.61B	10.82B	13.2B
Income Taxes Paid	1.73B	2.12B	1.19B	407M	626M	988M	2.53B	1.85B	1.35B	1.1B
Free Cash Flow+	9.6B	11.08B	13.16B	12.1B	15.75B	15.99B	11.61B	12.88B	19.61B	16.95B
FCF Growth %	0.09%	0.15%	0.19%	-0.08%	0.3%	0.02%	-0.27%	0.11%	0.52%	-0.14%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	8.77%	7.91%	4.12%	11.98%	10.11%	4.59%	20.44%	12.96%	8.83%	7.99%
Return on Assets (ROA)	1.26%	1.09%	0.55%	1.63%	1.45%	0.67%	2.9%	1.66%	1.05%	0.98%
Net Interest Margin	5.64%	5.85%	6.14%	6.14%	5.98%	5.43%	5.59%	5.96%	6.11%	6.37%
Efficiency Ratio	51.91%	49.27%	47.31%	45.18%	45.85%	47.58%	51.73%	49.94%	41.06%	39.83%
Equity / Assets	14.15%	13.31%	13.33%	13.87%	14.86%	14.28%	14.11%	11.55%	12.14%	12.4%
Book Value / Share	86.28	93.2	99.73	106.95	123.45	131.19	137.39	133.73	151.51	158.46
NII Growth	5.7%	10.83%	7.6%	1.85%	2.03%	-1.83%	5.49%	12.18%	7.84%	6.73%
Dividend Payout	20.15%	21.65%	39.35%	12.85%	13.58%	16.95%	9.27%	12.91%	19.05%	19.62%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Interchange Fees, Contracts	-	-	-	-	-	-	-	-	-	4.88B
Interchange Fees, Contracts Growth	-	-	-	-	-	-	-	-	-	-
Other Contract Revenue	-	-	-	-	-	-	-	-	-	573M
Other Contract Revenue Growth	-	-	-	-	-	-	-	-	-	-
Service Charges And Other Customer Fees, Contracts	-	-	-	-	-	-	-	-	-	460M
Service Charges And Other Customer Fees, Contracts Growth	-	-	-	-	-	-	-	-	-	-
Credit Card	14.58B	16.02B	16.97B	17.69B	18.35B	17.6B	18.88B	22.36B	25.67B	-
Credit Card Growth	-	9.83%	5.98%	4.21%	3.74%	-4.09%	7.28%	18.41%	14.82%	-
Consumer Banking	6.46B	6.56B	7.13B	7.21B	7.38B	7.7B	9B	9.43B	9.3B	-
Consumer Banking Growth	-	1.50%	8.64%	1.16%	2.26%	4.46%	16.85%	4.80%	-1.40%	-
Commercial Banking	-	2.79B	2.97B	2.9B	2.81B	2.97B	3.3B	3.59B	3.52B	-
Commercial Banking Growth	-	-	6.26%	-2.46%	-2.83%	5.58%	11.11%	8.75%	-1.95%	-
Other	-	130M	166M	281M	55M	249M	-748M	-1.13B	-1.7B	-
Other Growth	-	-	27.69%	69.28%	-80.43%	352.73%	-400.40%	-50.94%	-50.93%	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
United States	-	24.17B	25.84B	26.55B	27.19B	16.18B	29B	32.87B	35.4B	-
United States Growth	-	-	6.88%	2.78%	2.41%	-40.49%	79.23%	13.35%	7.68%	-
International	-	1.33B	1.4B	1.52B	1.4B	12.34B	1.43B	1.38B	1.39B	-
International Growth	-	-	5.42%	8.71%	-8.02%	781.50%	-88.40%	-3.91%	0.80%	-

Frequently Asked Questions

Valuation & Price

Capital One Financial Corporation (COF) has a price-to-earnings (P/E) ratio of 20.0x. This is roughly in line with market averages.

Growth & Financials

Capital One Financial Corporation (COF) grew revenue by 9.0% over the past year. This is steady growth.

Yes, Capital One Financial Corporation (COF) is profitable, generating $1.42B in net income for fiscal year 2024 (8.8% net margin).

Dividend & Returns

Yes, Capital One Financial Corporation (COF) pays a dividend with a yield of 1.05%. This makes it attractive for income-focused investors.

Capital One Financial Corporation (COF) has a return on equity (ROE) of 8.0%. This is below average, suggesting room for improvement.

Industry Metrics

Capital One Financial Corporation (COF) has a net interest margin (NIM) of 6.4%. This indicates healthy earnings from lending activities.

Capital One Financial Corporation (COF) has an efficiency ratio of 39.8%. This is excellent, indicating strong cost control.

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