Capital One Financial Corporation (COF) Earnings History
Annual and quarterly earnings data from 1994 to 2025
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COF EPS Growth (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.
COF Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 47.3% | 3.3% | 3.5% |
| 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% |
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Capital One Financial Corporation (COF) Earnings Overview
As of May 7, 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 ($30.63B net income, 16.2% 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% |
Full COF Stock Analysis
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Start ComparisonCOF — Frequently Asked Questions
Quick answers to the most common questions about buying COF stock.
Is COF growing earnings?
COF EPS fell to $3.88, with earnings declining -65.2%. This contrasts with the 5-year CAGR of -4.9%. TTM net income dropped to $2.5B.
What are COF's profit margins?
Capital One Financial Corporation net margin is +3.5%, with operating margin at +3.3%. Below-average margins reflect competitive or cost pressures.
How consistent are COF's earnings?
COF earnings data spans 1994-2025. The declining earnings trend is -65.2% YoY. Historical data enables comparison across business cycles.