Capital One Financial Corporation (COF) Earnings History
Earnings Pressure32 years of earnings data (1994–2025) · 5-year EPS trend is negative
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Capital One Financial Corporation (COF) Earnings Overview
As of June 21, 2026, Capital One Financial Corporation (COF) reported trailing twelve-month net income of $2.45B, reflecting -65.2% year-over-year growth. The company earned $3.88 per diluted share over the past four quarters, with a net profit margin of 3.5%.
Looking at the long-term picture, COF's 5-year EPS compound annual growth rate (CAGR) stands at -4.9%, signaling declining earnings. The company achieved its highest annual net income of $12.39B in fiscal 2021.
Capital One Financial Corporation maintains positive profitability with a gross margin of 47.3%, operating margin of 3.3%, and net margin of 3.5%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including SYF ($3.60B net income, 18.6% margin), AXP ($11.22B net income, 13.5% margin), BAC ($30.51B net income, 15.9% margin), COF has room to improve margins relative to the peer group. Compare COF vs SYF →
COF Earnings vs Peers
Earnings metrics vs comparable public companies
COF Historical Earnings Data (1994–2025)
32 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $2.45B | -48.4% | $2.28B | $4.03 | 3.5% | 3.3% |
| 2024 | $4.75B | -2.8% | $5.91B | $11.59 | 8.8% | 11.0% |
| 2023 | $4.89B | -33.6% | $6.04B | $11.95 | 9.9% | 12.2% |
| 2022 | $7.36B | -40.6% | $9.24B | $17.91 | 19.2% | 24.1% |
| 2021 | $12.39B | +356.5% | $15.81B | $26.94 | 38.7% | 49.4% |
| 2020 | $2.71B | -51.1% | $3.20B | $5.18 | 8.6% | 10.1% |
| 2019 | $5.55B | -7.8% | $6.87B | $11.05 | 16.4% | 20.4% |
| 2018 | $6.01B | +203.5% | $7.32B | $12.45 | 18.9% | 23.0% |
| 2017 | $1.98B | -47.2% | $5.49B | $3.49 | 6.6% | 18.3% |
| 2016 | $3.75B | -7.4% | $5.48B | $6.89 | 13.6% | 19.9% |
| 2015 | $4.05B | -8.5% | $5.88B | $7.07 | 16.2% | 23.5% |
| 2014 | $4.43B | +2.1% | $6.57B | $7.59 | 18.6% | 27.5% |
| 2013 | $4.34B | +16.6% | $6.58B | $6.96 | 17.9% | 27.2% |
| 2012 | $3.72B | +18.2% | $5.18B | $6.16 | 16.0% | 22.4% |
| 2011 | $3.15B | +14.7% | $4.59B | $6.80 | 17.0% | 24.8% |
| 2010 | $2.74B | +210.4% | $4.33B | $6.01 | 14.4% | 22.7% |
| 2009 | $884M | +2021.3% | $1.34B | $0.74 | 5.5% | 8.4% |
| 2008 | -$46M | -102.9% | $582M | $-0.21 | -0.3% | 3.3% |
| 2007 | $1.57B | -35.0% | $3.87B | $3.97 | 8.3% | 20.3% |
| 2006 | $2.41B | +33.5% | $3.67B | $7.62 | 15.9% | 24.2% |
| 2005 | $1.81B | +17.2% | $2.83B | $6.73 | 15.0% | 23.4% |
| 2004 | $1.54B | +35.9% | $2.36B | $6.21 | 14.5% | 22.1% |
| 2003 | $1.14B | +26.3% | $1.83B | $4.85 | 11.6% | 18.7% |
| 2002 | $900M | +40.1% | $1.45B | $3.93 | 9.3% | 15.0% |
| 2001 | $642M | +36.7% | $1.04B | $2.91 | 8.7% | 14.0% |
| 2000 | $470M | +29.3% | $757M | $2.24 | 8.5% | 13.7% |
| 1999 | $363M | +31.9% | $577M | $1.72 | 9.2% | 14.5% |
| 1998 | $275M | +45.3% | $444M | $1.32 | 10.6% | 17.1% |
| 1997 | $189M | +22.0% | $306M | $0.93 | 10.6% | 17.1% |
| 1996 | $155M | +22.8% | $249M | $0.77 | 10.9% | 17.5% |
| 1995 | $127M | +32.9% | $198M | $0.64 | 12.5% | 19.6% |
| 1994 | $95M | - | $147M | $0.48 | 14.5% | 22.4% |
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COF — Frequently Asked Questions
Quick answers to the most common questions about buying COF stock.
What is COF earnings per share (EPS)?
COF trailing twelve-month (TTM) diluted EPS is $3.88, reflecting -65.2% year-over-year growth. The 5-year EPS CAGR is -4.9%. Complete EPS history from 1994 to 2025 is available in the table on this page.
What is Capital One Financial Corporation's net income?
Capital One Financial Corporation (COF) trailing twelve-month net income is $2.5B as of 2025. Earnings declined -65.2% year-over-year. Capital One Financial Corporation has been profitable for 17 consecutive years.
Is COF profitable?
Yes, COF is profitable with a TTM net income of $2.5B and a net profit margin of +3.5%. Capital One Financial Corporation has generated profits for 17 consecutive years.
What is COF's earnings growth rate?
COF compound annual EPS growth rates (CAGR): 1-Year: -65.2%, 3-Year: -39.2%, 5-Year: -4.9%, 10-Year: -5.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1994 to 2025.
What are COF's profit margins?
Capital One Financial Corporation net profit margin is +3.5%, operating margin is +3.3%, and gross margin is +47.3%. Below-average margins reflect competitive or cost pressures. Return on Equity is +2.8%.
Is COF growing earnings?
COF earnings are declining — EPS fell -65.2% year-over-year. TTM net income dropped to $2.5B. This contrasts with the 5-year CAGR of -4.9%.
What was COF's best earnings year?
Capital One Financial Corporation's highest annual net income on record is $12.4B, achieved in fiscal year 2021. Earnings history on this page spans 1994 to 2025 and includes all annual and quarterly figures.
What were COF's earnings last quarter?
COF's most recent reported quarter was Q4 2025. Net income was $2.1B with diluted EPS of $3.26. For a full breakdown of all quarters, see the quarterly earnings table on this page.