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Capital One Financial Corporation(COF)Earnings, Financials & Key Ratios
COF•NYSE•Banking & Credit
50.0× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
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$42.88B+37.4%
- Total Revenue$69.25B+28.4%
- Net Income$2.45B-48.4%
- Return on Equity2.81%-64.8%
- Net Interest Margin6.41%+0.7%
- Efficiency Ratio44.04%+10.6%
- ROA0.42%-56.9%
- Equity / Assets16.98%+36.9%
- Book Value per Share209.89+32.5%
COF Key Insights
Capital One Financial Corporation (COF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong NIM of 6.4%
- ✓Efficient operations: 44.0% efficiency ratio
- ✓Well capitalized: 17.0% equity/assets
- ✓Trading at only 1.0x book value
✗Weaknesses
- ✗Shares diluted 41.1% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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COF Price & Volume
Capital One Financial Corporation (COF) stock price & volume — 10-year historical chart
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COF Growth Metrics
Capital One Financial Corporation (COF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.71%
5 Years16.96%
3 Years21.75%
TTM-
Profit CAGR
10 Years-4.89%
5 Years-2%
3 Years-30.67%
TTM-48.36%
EPS CAGR
10 Years-5.47%
5 Years-4.9%
3 Years-39.18%
TTM-74.46%
Return on Capital
10 Years5.78%
5 Years6.4%
3 Years3.64%
Last Year1.44%
COF Recent Earnings
Capital One Financial Corporation (COF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 21, 2026Metric
Actual
Est
EPS
$4.42-1.8%
$4.50
Rev
$15.2B-0.7%
$15.3B
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$3.86-6.8%
$4.14
Rev
$15.6B+0.7%
$15.5B
Q4 2025
Oct 21, 2025Metric
Actual
Est
EPS
$5.95+32.5%
$4.49
Rev
$15.4B+1.9%
$15.1B
Q3 2025
Jul 22, 2025Metric
Actual
Est
EPS
$5.48+35.3%
$4.05
Rev
$12.6B+1.7%
$12.4B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $4.42vs $4.50-1.8% | $15.2Bvs $15.3B-0.7% |
| Q1 2026 | Jan 22, 2026 | $3.86vs $4.14-6.8% | $15.6Bvs $15.5B+0.7% |
| Q4 2025 | Oct 21, 2025 | $5.95vs $4.49+32.5% | $15.4Bvs $15.1B+1.9% |
| Q3 2025 | Jul 22, 2025 | $5.48vs $4.05+35.3% | $12.6Bvs $12.4B+1.7% |
Based on last 12 quarters of dataView full earnings history →
COF Peer Comparison
Capital One Financial Corporation (COF) competitors in Consumer Credit Issuers and Installment Lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SYF | 26.16B | 75.26 | 8.10 | -7.91% | 18.08% | 21.41% | 0.91 | |
 AXP | 231.9B | 338.16 | 21.99 | 8.44% | 13.61% | 33.95% | 1.73 | |
 BAC | 424.14B | 56.20 | 14.71 | -0.45% | 15.93% | 10.15% | 1.21 | |
 JPM | 908.57B | 325.22 | 16.22 | 3.31% | 20.35% | 15.95% | 2.60 | |
 C | 266.52B | 143.09 | 20.47 | -1.41% | 8.48% | 6.67% | 3.35 | |
 WFC | 264.5B | 82.21 | 13.01 | -1.49% | 17.27% | 11.66% | 2.33 | |
 ALLY | 14.3B | 45.49 | 19.19 | -25.75% | 5.61% | 5.74% | 1.40 | |
 NAVI | 760.37M | 8.09 | -9.99 | -23.74% | -1.96% | -2.45% | 19.05 |
Compare COF vs Peers
Capital One Financial Corporation (COF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
COF Income Statement
Capital One Financial Corporation (COF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 22.46B | 22.88B | 23.34B | 22.91B | 24.17B | 27.11B | 29.24B | 31.21B | 42.88B |
NII Growth % | 7.6% | 1.85% | 2.03% | -1.83% | 5.49% | 12.18% | 7.84% | 6.73% | 37.39% |
Net Interest Margin % | 6.14% | 6.14% | 5.98% | 5.43% | 5.59% | 5.96% | 6.11% | 6.37% | 6.41% |
Interest Income | 25.22B | 27.18B | 28.51B | 26.03B | 25.77B | 31.24B | 41.94B | 46.03B | 58.7B |
Interest Expense | 2.76B | 4.3B | 5.17B | 3.12B | 1.6B | 4.12B | 12.7B | 14.83B | 15.82B |
Loan Loss Provision | 7.55B | 5.86B | 6.24B | 10.26B | -1.94B | 5.85B | 10.43B | 11.72B | 20.66B |
Non-Interest Income | 4.78B | 4.7B | 5.25B | 5.61B | 6.26B | 7.14B | 7.55B | 7.9B | 10.56B |
Non-Interest Income % | 15.92% | 14.75% | 15.56% | 17.73% | 19.55% | 18.6% | 15.25% | 14.65% | 15.24% |
Total Revenue | 30B▲ 0% | 31.88B▲ 6.3% | 33.77B▲ 5.9% | 31.64B▼ 6.3% | 32.03B▲ 1.2% | 38.37B▲ 19.8% | 49.48B▲ 29.0% | 53.94B▲ 9.0% | 69.25B▲ 28.4% |
Revenue Growth % | 9.01% | 6.26% | 5.92% | -6.29% | 1.23% | 19.79% | 28.96% | 9% | 28.39% |
Non-Interest Expense | 14.19B | 14.4B | 15.48B | 15.06B | 16.57B | 19.16B | 20.32B | 21.49B | 30.5B |
Efficiency Ratio | 47.31% | 45.18% | 45.85% | 47.58% | 51.73% | 49.94% | 41.06% | 39.83% | 44.04% |
Operating Income | 5.49B▲ 0% | 7.32B▲ 33.2% | 6.87B▼ 6.1% | 3.2B▼ 53.4% | 15.81B▲ 393.6% | 9.24B▼ 41.6% | 6.04B▼ 34.6% | 5.91B▼ 2.2% | 2.28B▼ 61.4% |
Operating Margin % | 18.31% | 22.96% | 20.36% | 10.12% | 49.35% | 24.08% | 12.22% | 10.96% | 3.29% |
Operating Income Growth % | 0.15% | 33.25% | -6.07% | -53.4% | 393.57% | -41.55% | -34.58% | -2.23% | -61.4% |
Pretax Income | 5.49B▲ 0% | 7.32B▲ 33.2% | 6.87B▼ 6.1% | 3.2B▼ 53.4% | 15.81B▲ 393.6% | 9.24B▼ 41.6% | 6.04B▼ 34.6% | 5.91B▼ 2.2% | 2.28B▼ 61.4% |
Pretax Margin % | 18.31% | 22.96% | 20.36% | 10.12% | 49.35% | 24.08% | 12.22% | 10.96% | 3.29% |
Income Tax | 3.38B | 1.29B | 1.34B | 486M | 3.42B | 1.88B | 1.16B | 1.16B | 193M |
Effective Tax Rate % | 61.45% | 17.67% | 19.51% | 15.17% | 21.6% | 20.35% | 19.16% | 19.68% | 8.46% |
Net Income | 1.98B▲ 0% | 6.01B▲ 203.5% | 5.55B▼ 7.8% | 2.71B▼ 51.1% | 12.39B▲ 356.5% | 7.36B▼ 40.6% | 4.89B▼ 33.6% | 4.75B▼ 2.8% | 2.45B▼ 48.4% |
Net Margin % | 6.61% | 18.87% | 16.42% | 8.58% | 38.68% | 19.18% | 9.88% | 8.81% | 3.54% |
Net Income Growth % | -47.16% | 203.48% | -7.8% | -51.06% | 356.52% | -40.6% | -33.6% | -2.8% | -48.36% |
Net Income (Continuing) | 2.12B | 6.03B | 5.53B | 2.72B | 12.39B | 7.36B | 4.89B | 4.75B | 2.09B |
EPS (Diluted) | 3.49▲ 0% | 12.45▲ 256.7% | 11.05▼ 11.2% | 5.18▼ 53.1% | 26.94▲ 420.1% | 17.91▼ 33.5% | 11.95▼ 33.3% | 11.59▼ 3.0% | 4.03▼ 65.2% |
EPS Growth % | -49.35% | 256.73% | -11.24% | -53.12% | 420.08% | -33.52% | -33.28% | -3.01% | -65.23% |
EPS (Basic) | 3.52 | 11.90 | 11.10 | 5.19 | 27.04 | 17.98 | 11.98 | 11.61 | 4.03 |
Diluted Shares Outstanding | 488.6M | 483.1M | 469.9M | 458.9M | 444.2M | 393.2M | 383.4M | 383.6M | 541.3M |
COF Balance Sheet
Capital One Financial Corporation (COF) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 51.7B | 59.34B | 92.62B | 140.95B | 117.01B | 107.78B | 122.41B | 47.08B | 61.71B |
Cash & Due from Banks | 14.04B | 13.19B | 13.41B | 40.51B | 21.75B | 30.86B | 43.3B | 43.23B | 57.43B |
Short Term Investments | 37.66B | 46.15B | 79.21B | 100.44B | 95.26B | 76.92B | 79.12B | 3.85B | 4.27B |
Total Investments | 322.08B | 330.01B | 345.42B | 354.78B | 367.06B | 376.21B | 385.15B | 394.73B | 522.02B |
Investments Growth % | 2.88% | 2.46% | 4.67% | 2.71% | 3.46% | 2.49% | 2.37% | 2.49% | 32.25% |
Long-Term Investments | 284.43B | 283.86B | 266.21B | 254.33B | 271.8B | 299.29B | 306.03B | 390.88B | 517.75B |
Accounts Receivables | 1.54B | 1.61B | 1.76B | 1.47B | 1.46B | 2.1B | 2.48B | 2.53B | 3.49B |
Goodwill & Intangibles | 14.53B | 15.07B | 15.13B | 14.74B | 14.89B | 14.78B | 15.06B | 15.06B | 45.09B |
Goodwill | 14.53B | 14.54B | 14.65B | 14.65B | 14.78B | 14.78B | 15.06B | 15.06B | 28.51B |
Intangible Assets | 0 | 528M | 474M | 90M | 111M | 0 | 0 | 0 | 16.58B |
PP&E (Net) | 4.03B | 4.19B | 4.38B | 4.29B | 4.21B | 4.35B | 4.38B | 4.51B | 5.6B |
Other Assets | 9.47B | 8.99B | 10.27B | 5.81B | 23.01B | 26.95B | 28.1B | 30.08B | 30.71B |
Total Current Assets | 53.23B | 60.95B | 94.38B | 142.43B | 118.47B | 109.88B | 124.89B | 49.62B | 69.86B |
Total Non-Current Assets | 312.46B | 311.59B | 295.99B | 279.18B | 313.91B | 345.37B | 353.57B | 440.53B | 599.15B |
Total Assets | 365.69B▲ 0% | 372.54B▲ 1.9% | 390.37B▲ 4.8% | 421.6B▲ 8.0% | 432.38B▲ 2.6% | 455.25B▲ 5.3% | 478.46B▲ 5.1% | 490.14B▲ 2.4% | 669.01B▲ 36.5% |
Asset Growth % | 2.43% | 1.87% | 4.79% | 8% | 2.56% | 5.29% | 5.1% | 2.44% | 36.49% |
Return on Assets (ROA) | 0.55% | 1.63% | 1.45% | 0.67% | 2.9% | 1.66% | 1.05% | 0.98% | 0.42% |
Accounts Payable | 413M | 458M | 439M | 352M | 281M | 527M | 649M | 666M | 844M |
Total Debt | 60.28B | 58.91B | 55.7B | 40.54B | 43.09B | 48.75B | 49.86B | 45.55B | 51B |
Net Debt | 46.24B | 45.72B | 42.29B | 30M | 21.34B | 17.89B | 6.56B | 2.32B | -6.43B |
Long-Term Debt | 51.1B | 49.5B | 48.28B | 39.8B | 42.21B | 47.83B | 49.32B | 44.99B | 49.89B |
Short-Term Debt | 9.19B | 9.4B | 7.31B | 668M | 820M | 883M | 538M | 562M | 1.09B |
Other Liabilities | 12.57B | 11.74B | 13.52B | 15.06B | 17B | 20.4B | 21.46B | 20.44B | 27.78B |
Total Current Liabilities | 253.3B | 259.62B | 270.45B | 306.46B | 312.08B | 334.4B | 349.6B | 363.94B | 477.7B |
Total Non-Current Liabilities | 63.66B | 61.25B | 61.9B | 54.94B | 59.27B | 68.27B | 70.78B | 65.42B | 77.69B |
Total Liabilities | 316.96B | 320.87B | 332.35B | 361.4B | 371.35B | 402.67B | 420.38B | 429.36B | 555.39B |
Total Equity | 48.73B▲ 0% | 51.67B▲ 6.0% | 58.01B▲ 12.3% | 60.2B▲ 3.8% | 61.03B▲ 1.4% | 52.58B▼ 13.8% | 58.09B▲ 10.5% | 60.78B▲ 4.6% | 113.62B▲ 86.9% |
Equity Growth % | 2.56% | 6.03% | 12.28% | 3.78% | 1.37% | -13.84% | 10.47% | 4.64% | 86.92% |
Equity / Assets (Capital Ratio) | 13.33% | 13.87% | 14.86% | 14.28% | 14.11% | 11.55% | 12.14% | 12.4% | 16.98% |
Return on Equity (ROE) | 4.12% | 11.98% | 10.11% | 4.59% | 20.44% | 12.96% | 8.83% | 7.99% | 2.81% |
Book Value per Share | 99.73 | 106.95 | 123.45 | 131.19 | 137.39 | 133.73 | 151.51 | 158.46 | 209.89 |
Tangible BV per Share | 69.99 | 75.75 | 91.26 | 99.07 | 103.86 | 96.15 | 112.22 | 119.20 | 126.60 |
Common Stock | 7M | 7M | 7M | 7M | 7M | 7M | 7M | 7M | 7M |
Additional Paid-in Capital | 31.66B | 32.04B | 32.98B | 33.48B | 34.11B | 34.73B | 35.54B | 36.43B | 64.03B |
Retained Earnings | 30.7B | 35.88B | 40.34B | 40.09B | 51.01B | 57.18B | 60.95B | 64.5B | 65.19B |
Accumulated OCI | -926M | -1.26B | 1.16B | 3.49B | 374M | -9.92B | -8.27B | -9.29B | -5.47B |
Treasury Stock | -12.71B | -14.99B | -16.47B | -16.86B | -24.47B | -29.42B | -30.14B | -30.87B | -10.15B |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
COF Cash Flow Statement
Capital One Financial Corporation (COF) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 14.18B | 12.98B | 16.64B | 16.7B | 12.31B | 13.81B | 20.57B | 18.16B | 27.72B |
Operating CF Growth % | 19.62% | -8.49% | 28.21% | 0.36% | -26.28% | 12.18% | 49% | -11.74% | 52.64% |
Net Income | 1.98B | 6.01B | 5.55B | 2.71B | 12.39B | 7.36B | 4.89B | 4.75B | 2.45B |
Depreciation & Amortization | 2.44B | 2.4B | 3.34B | 3.5B | 3.48B | 3.21B | 3.23B | 3.24B | 5.26B |
Deferred Taxes | 1.43B | 714M | -296M | -1.63B | 605M | -772M | -723M | -853M | -1.91B |
Other Non-Cash Items | 7.71B | 4.79B | 7.04B | 9.52B | -1.92B | 6.55B | 10.35B | 12.02B | 19.86B |
Working Capital Changes | 371M | -1.11B | 774M | 2.39B | -2.57B | -2.86B | 2.33B | -1.57B | 1.28B |
Cash from Investing | -15.54B | -15.62B | -23B | -14.84B | -31.5B | -29.74B | -21.92B | -26.41B | -444M |
Purchase of Investments | -18.3B | -33.19B | -12.5B | -43.03B | -27.88B | -14.85B | -10.45B | -17.18B | 0 |
Sale/Maturity of Investments | 17.99B | 16.33B | 18.38B | 23.14B | 29.75B | 21.64B | 9.13B | 12.02B | 9.7B |
Net Investment Activity | -309M | -16.86B | 5.88B | -19.89B | 1.86B | 6.79B | -1.31B | -5.16B | 9.7B |
Acquisitions | -3.19B | -600M | -8.39B | -7M | -669M | -1.18B | -2.79B | 0 | 16.46B |
Other Investing | -11.03B | 2.72B | -19.6B | 5.77B | -32B | -34.42B | -16.86B | -20.05B | -26.61B |
Cash from Financing | 3.22B | 1.78B | 6.62B | 25.16B | 474M | 25.13B | 13.84B | 8.17B | -8.85B |
Dividends Paid | -1.04B | -1.04B | -1.03B | -740M | -1.42B | -1.18B | -1.16B | -1.16B | -1.77B |
Share Repurchases | -240M | -2.28B | -2.48B | -1.77B | -9.71B | -4.95B | -718M | -734M | -4.1B |
Stock Issued | 164M | 175M | 1.66B | 1.57B | 2.31B | 276M | 299M | 323M | 0 |
Net Stock Activity | -76M | -2.11B | -820M | -197M | -7.4B | -4.67B | -419M | -411M | -4.1B |
Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K |
Other Financing | 7.28B | 6.29B | 12.66B | 42.58B | 5.74B | 22.83B | 15.48B | 14.16B | 5.84B |
Net Change in Cash | 1.86B▲ 0% | -863M▼ 146.4% | 260M▲ 130.1% | 27.02B▲ 10293.1% | -18.72B▼ 169.3% | 9.2B▲ 149.2% | 12.5B▲ 35.8% | -84M▼ 100.7% | 18.42B▲ 22031.0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 12.49B | 14.35B | 13.49B | 13.75B | 40.77B | 22.05B | 31.26B | 43.76B | 43.67B |
Cash at End | 14.35B | 13.49B | 13.75B | 40.77B | 22.05B | 31.26B | 43.76B | 43.67B | 62.09B |
Interest Paid | 2.77B | 3.93B | 4.79B | 3.58B | 2.16B | 3.61B | 10.82B | 13.2B | 0 |
Income Taxes Paid | 1.19B | 407M | 626M | 988M | 2.53B | 1.85B | 1.35B | 1.1B | 0 |
Free Cash Flow | 13.16B▲ 0% | 12.1B▼ 8.1% | 15.75B▲ 30.1% | 15.99B▲ 1.5% | 11.61B▼ 27.4% | 12.88B▲ 10.9% | 19.61B▲ 52.3% | 16.95B▼ 13.6% | 26.14B▲ 54.2% |
FCF Growth % | 18.84% | -8.05% | 30.14% | 1.5% | -27.38% | 10.88% | 52.34% | -13.56% | 54.17% |
COF Banking Ratios
Capital One Financial Corporation (COF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 7.91% | 4.12% | 11.98% | 10.11% | 4.59% | 20.44% | 12.96% | 8.83% | 7.99% | 2.81% |
Return on Assets (ROA) | 1.09% | 0.55% | 1.63% | 1.45% | 0.67% | 2.9% | 1.66% | 1.05% | 0.98% | 0.42% |
Net Interest Margin | 5.85% | 6.14% | 6.14% | 5.98% | 5.43% | 5.59% | 5.96% | 6.11% | 6.37% | 6.41% |
Efficiency Ratio | 49.27% | 47.31% | 45.18% | 45.85% | 47.58% | 51.73% | 49.94% | 41.06% | 39.83% | 44.04% |
Equity / Assets | 13.31% | 13.33% | 13.87% | 14.86% | 14.28% | 14.11% | 11.55% | 12.14% | 12.4% | 16.98% |
Book Value / Share | 93.2 | 99.73 | 106.95 | 123.45 | 131.19 | 137.39 | 133.73 | 151.51 | 158.46 | 209.89 |
NII Growth | 10.83% | 7.6% | 1.85% | 2.03% | -1.83% | 5.49% | 12.18% | 7.84% | 6.73% | 37.39% |
Dividend Payout | 21.65% | 39.35% | 12.85% | 13.58% | 16.95% | 9.27% | 12.91% | 19.05% | 19.62% | 72.08% |
Related:COF Dividend History·COF Revenue History·COF Price History·COF P/E History·COF Financial Ratios·COF Institutional Holders
COF SEC Filings & Documents
Capital One Financial Corporation (COF) SEC filings — annual & quarterly reports (10-K, 10-Q)
COF Frequently Asked Questions
Capital One Financial Corporation (COF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Capital One Financial Corporation (COF) grew revenue by 28.4% over the past year. This is strong growth.
Yes, Capital One Financial Corporation (COF) is profitable, generating $2.45B in net income for fiscal year 2025 (3.5% net margin).
Dividend & Returns
Yes, Capital One Financial Corporation (COF) pays a dividend with a yield of 1.62%. This makes it attractive for income-focused investors.
Capital One Financial Corporation (COF) has a return on equity (ROE) of 2.8%. 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 44.0%. This is excellent, indicating strong cost control.