Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Capital One Financial Corporation's quarterly P/E stands at 11.0x, up 29.6% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 11.9% YoY to 5.3x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 16.88 | 11.00 | — | 12.99 | 16.70 | 8.49 | 25.08 | 11.89 | 19.63 | 5.45 | 7.77 | 10.41 | 7.67 |
| — | +29.6% | — | +9.3% | -14.9% | +55.7% | +222.9% | +14.3% | +155.9% | +4.1% | +54.2% | +84.8% | +14.4% | |
| P/S Ratio | 2.31 | 1.72 | 1.64 | 1.28 | 1.24 | 1.04 | 1.00 | 1.09 | 0.96 | 0.73 | 0.87 | 0.80 | 0.81 |
| — | +65.6% | +63.3% | +17.8% | +29.5% | +43.5% | +15.4% | +35.5% | +17.9% | -18.1% | -25.1% | -49.1% | -55.2% | |
| P/B Ratio | 1.23 | 1.19 | 0.97 | 1.08 | 1.12 | 0.91 | 0.92 | 0.99 | 0.86 | 0.69 | 0.77 | 0.68 | 0.68 |
| — | +30.8% | +5.8% | +9.7% | +30.2% | +31.7% | +19.2% | +46.3% | +27.4% | -0.5% | +0.4% | -29.7% | -32.8% | |
| P/FCF | 7.34 | 3.88 | 4.75 | 3.99 | 8.17 | 2.34 | 2.23 | 5.17 | 1.83 | 1.35 | 3.33 | 3.35 | 1.13 |
| — | +65.9% | +112.6% | -22.8% | +345.3% | +72.6% | -33.0% | +54.3% | +61.9% | -61.0% | -10.0% | — | -67.1% | |
| EV / EBITDA | 13.85 | 5.32 | — | 6.10 | 7.77 | 4.75 | 9.52 | 5.91 | 8.20 | 3.38 | 6.17 | 4.06 | 5.61 |
| — | +11.9% | — | +3.4% | -5.2% | +40.6% | +54.5% | +45.6% | +46.2% | -39.2% | +5.5% | -15.5% | +5.9% | |
| EV / EBIT | 21.44 | 7.54 | — | 8.97 | 12.11 | 6.48 | 21.39 | 8.92 | 15.22 | 4.68 | 7.32 | 8.42 | 8.67 |
| — | +16.3% | — | +0.6% | -20.4% | +38.5% | +192.0% | +5.9% | +75.5% | -37.2% | -4.0% | +36.5% | +28.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Capital One Financial Corporation's operating margin was 22.2% in Q3 2025, up 58.4 pp QoQ and up 6.1 pp YoY. The trailing four-quarter average of 2.4% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 17.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.8% | 64.1% | 7.0% | 56.9% | 54.7% | 54.6% | 42.3% | 51.3% | 50.6% | 55.3% | 54.1% | 53.2% | 60.2% |
| — | +17.5% | -83.5% | +10.9% | +8.0% | -1.2% | -21.8% | -3.6% | -15.9% | -22.5% | -33.4% | -39.2% | -33.9% | |
| Operating Margin | 11.0% | 22.2% | -36.1% | 12.9% | 10.6% | 16.1% | 4.9% | 12.1% | 7.1% | 17.3% | 14.3% | 10.1% | 14.0% |
| — | +38.2% | -834.8% | +6.7% | +48.9% | -7.3% | -65.7% | +19.2% | -49.4% | -20.7% | -50.8% | -70.5% | -61.0% | |
| Net Margin | 8.8% | 16.2% | -26.1% | 10.5% | 7.9% | 12.9% | 4.5% | 9.8% | 5.4% | 14.0% | 11.9% | 8.4% | 11.2% |
| — | +25.7% | -678.0% | +7.1% | +47.6% | -7.8% | -62.0% | +16.8% | -52.0% | -17.5% | -48.6% | -70.2% | -60.8% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.0% | 2.8% | -4.9% | 2.3% | 1.8% | 2.9% | 1.0% | 2.2% | 1.3% | 3.3% | 2.6% | 1.8% | 2.4% |
| — | -3.3% | -575.4% | +2.2% | +40.2% | -11.1% | -60.7% | +23.4% | -47.0% | +1.8% | -29.2% | -56.3% | -38.8% | |
| ROA | 1.0% | 0.5% | -0.7% | 0.3% | 0.2% | 0.4% | 0.1% | 0.3% | 0.1% | 0.4% | 0.3% | 0.2% | 0.3% |
| — | +31.5% | -697.6% | +7.1% | +51.1% | -3.5% | -59.2% | +28.7% | -45.7% | -0.5% | -34.4% | -62.7% | -51.6% | |
| ROIC | 4.1% | 2.0% | -3.3% | 1.2% | 1.0% | 1.5% | 0.5% | 1.1% | 0.7% | 1.6% | 1.2% | 0.9% | 1.1% |
| — | +31.1% | -825.0% | +11.6% | +51.0% | -5.0% | -63.4% | +28.9% | -40.8% | +6.5% | -30.7% | -60.3% | -49.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Capital One Financial Corporation's Debt/EBITDA ratio is 8.3x — elevated, raising questions about debt serviceability. The current ratio has weakened 15.9% YoY to 0.13x, tightening the short-term liquidity position. Debt/Equity has declined for 7 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.75 | 0.45 | 0.47 | 0.66 | 0.75 | 0.78 | 0.83 | 0.87 | 0.86 | 0.92 | 0.92 | 0.89 | 0.93 |
| — | -42.3% | -42.6% | -24.5% | -12.7% | -14.6% | -10.2% | -2.4% | -7.4% | -14.5% | -16.5% | +10.9% | +31.3% | |
| Debt / EBITDA | 4.98 | 8.28 | — | 16.44 | 20.04 | 16.31 | 32.80 | 21.09 | 28.82 | 16.02 | 24.48 | 20.21 | 20.42 |
| — | -49.2% | — | -22.0% | -30.5% | +1.8% | +34.0% | +4.4% | +41.1% | -14.0% | +39.1% | +68.6% | +85.4% | |
| Current Ratio | 0.14 | 0.13 | 0.14 | 0.15 | 0.14 | 0.16 | 0.15 | 0.16 | 0.36 | 0.14 | 0.13 | 0.14 | 0.33 |
| — | -15.9% | -5.2% | -5.8% | -61.8% | +10.9% | +14.3% | +13.0% | +8.7% | +70.9% | +51.4% | +29.2% | -13.4% | |
| Quick Ratio | 0.14 | 0.13 | 0.14 | 0.15 | 0.14 | 0.16 | 0.15 | 0.16 | 0.36 | 0.14 | 0.13 | 0.14 | 0.33 |
| — | -15.9% | -5.2% | -5.8% | -61.8% | +10.9% | +14.3% | +13.0% | +8.7% | +70.9% | +51.4% | +29.2% | -13.4% | |
| Interest Coverage | 0.40 | 1.01 | -1.55 | 0.51 | 0.40 | 0.59 | 0.17 | 0.43 | 0.26 | 0.64 | 0.57 | 0.45 | 0.79 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Start ComparisonCapital One Financial Corporation's current P/E is 16.9x. The average P/E over the last 3 quarters is 13.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Capital One Financial Corporation's current operating margin is 11.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Capital One Financial Corporation's business trajectory between earnings reports.