Capital One Financial Corporation (COF) Earnings History
Annual and quarterly earnings data from 1994 to 2024
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 50.8% | 11.0% | 8.8% |
| 2023 | 53.3% | 12.2% | 9.9% |
| 2022 | 74.0% | 24.1% | 19.2% |
| 2021 | 101.1% | 49.4% | 38.7% |
| 2020 | 57.7% | 10.1% | 8.6% |
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Capital One Financial Corporation (COF) Earnings Overview
As of February 28, 2026, Capital One Financial Corporation (COF) reported trailing twelve-month net income of $1.42B, reflecting -0.0% year-over-year growth. The company earned $2.21 per diluted share over the past four quarters, with a net profit margin of 0.1%.
Looking at the long-term picture, COF's 5-year EPS compound annual growth rate (CAGR) stands at +1.0%, reflecting modest earnings expansion. 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 0.5%, operating margin of 0.1%, and net margin of 0.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including SYF ($3.58B net income, 0.2% margin), SYF-PB ($3.58B net income, 0.2% margin), OMF ($705M net income, 0.1% margin), COF has room to improve margins relative to the peer group. Compare COF vs SYF →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 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% |
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Start ComparisonFrequently Asked Questions
Is COF growing earnings?
COF TTM EPS: $2.21. Net income: $1.4B. Earnings growth: -0.0%.
What are COF's profit margins?
Capital One Financial Corporation net margin is +0.1%, with operating margin at +0.1%. Below-average margins reflect competitive or cost pressures.
How consistent are COF's earnings?
COF earnings data spans 1994-2024. The current earnings trend is -0.0% YoY. Historical data enables comparison across business cycles.