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 18.6x, up 11.3% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 27.3% YoY to 9.9x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 47.99 | 18.59 | 11.00 | — | 12.99 | 16.70 | 8.49 | 25.08 | 11.89 | 19.63 | 5.45 | 7.77 | 10.41 |
| — | +11.3% | +29.6% | — | +9.3% | -14.9% | +55.7% | +222.9% | +14.3% | +155.9% | +4.1% | +54.2% | +84.8% | |
| P/S Ratio | 1.73 | 1.95 | 1.71 | 1.64 | 1.28 | 1.24 | 1.04 | 1.00 | 1.09 | 0.96 | 0.73 | 0.87 | 0.80 |
| — | +57.6% | +64.7% | +63.6% | +17.8% | +29.5% | +43.5% | +15.2% | +35.5% | +17.9% | -18.1% | -25.1% | -49.1% | |
| P/B Ratio | 0.92 | 1.35 | 1.19 | 0.97 | 1.08 | 1.12 | 0.91 | 0.92 | 0.99 | 0.86 | 0.69 | 0.77 | 0.68 |
| — | +19.8% | +30.8% | +5.8% | +9.7% | +30.2% | +31.7% | +19.2% | +46.3% | +27.4% | -0.5% | +0.4% | -29.7% | |
| P/FCF | 4.58 | 4.27 | 3.88 | 4.75 | 3.99 | 8.17 | 2.34 | 2.23 | 5.17 | 1.83 | 1.35 | 3.33 | 3.35 |
| — | -47.8% | +65.9% | +112.6% | -22.8% | +345.3% | +72.6% | -33.0% | +54.3% | +61.9% | -61.0% | -10.0% | — | |
| EV / EBITDA | 15.02 | 9.90 | 5.32 | — | 6.10 | 7.77 | 4.75 | 9.52 | 5.91 | 8.20 | 3.38 | 6.17 | 4.06 |
| — | +27.3% | +11.9% | — | +3.4% | -5.2% | +40.6% | +54.5% | +45.6% | +46.2% | -39.2% | +5.5% | -15.5% | |
| EV / EBIT | 49.67 | 17.47 | 7.54 | — | 8.97 | 12.11 | 6.48 | 21.39 | 8.92 | 15.22 | 4.68 | 7.32 | 8.42 |
| — | +44.2% | +16.3% | — | +0.6% | -20.4% | +38.5% | +192.0% | +5.9% | +75.5% | -37.2% | -4.0% | +36.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Capital One Financial Corporation's operating margin was 10.7% in Q4 2025, down 11.4 pp QoQ and up 0.1 pp YoY. The trailing four-quarter average of 2.4% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 47.3% | 57.4% | 64.3% | 7.0% | 56.9% | 54.7% | 54.6% | 42.4% | 51.3% | 50.6% | 55.3% | 54.1% | 53.2% |
| — | +4.9% | +17.8% | -83.5% | +10.9% | +8.0% | -1.2% | -21.6% | -3.6% | -15.9% | -22.5% | -33.4% | -39.2% | |
| Operating Margin | 3.3% | 10.7% | 22.1% | -36.1% | 12.9% | 10.6% | 16.1% | 4.9% | 12.1% | 7.1% | 17.3% | 14.3% | 10.1% |
| — | +1.3% | +37.5% | -836.3% | +6.7% | +48.9% | -7.3% | -65.7% | +19.2% | -49.4% | -20.7% | -50.8% | -70.5% | |
| Net Margin | 3.5% | 10.9% | 16.1% | -26.1% | 10.5% | 7.9% | 12.9% | 4.5% | 9.8% | 5.4% | 14.0% | 11.9% | 8.4% |
| — | +37.1% | +25.0% | -679.2% | +7.1% | +47.6% | -7.8% | -62.1% | +16.8% | -52.0% | -17.5% | -48.6% | -70.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 2.8% | 1.9% | 2.8% | -4.9% | 2.3% | 1.8% | 2.9% | 1.0% | 2.2% | 1.3% | 3.3% | 2.6% | 1.8% |
| — | +5.9% | -3.4% | -575.4% | +2.2% | +40.2% | -11.1% | -60.7% | +23.4% | -47.0% | +1.8% | -29.2% | -56.3% | |
| ROA | 0.4% | 0.3% | 0.5% | -0.7% | 0.3% | 0.2% | 0.4% | 0.1% | 0.3% | 0.1% | 0.4% | 0.3% | 0.2% |
| — | +42.9% | +31.4% | -697.6% | +7.1% | +51.1% | -3.5% | -59.2% | +28.7% | -45.7% | -0.5% | -34.4% | -62.7% | |
| ROIC | 1.3% | 1.0% | 2.0% | -3.3% | 1.2% | 1.0% | 1.5% | 0.5% | 1.1% | 0.7% | 1.6% | 1.2% | 0.9% |
| — | -4.7% | +31.1% | -825.0% | +11.6% | +51.0% | -5.0% | -63.4% | +28.9% | -40.8% | +6.5% | -30.7% | -60.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Capital One Financial Corporation's Debt/EBITDA ratio is 13.8x, up from 8.3x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 7.3% YoY to 0.15x, strengthening the short-term liquidity position. Debt/Equity has declined for 8 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.45 | 0.45 | 0.45 | 0.47 | 0.66 | 0.75 | 0.78 | 0.83 | 0.87 | 0.86 | 0.92 | 0.92 | 0.89 |
| — | -40.1% | -42.3% | -42.6% | -24.5% | -12.7% | -14.6% | -10.2% | -2.4% | -7.4% | -14.5% | -16.5% | +10.9% | |
| Debt / EBITDA | 6.76 | 13.77 | 8.28 | — | 16.44 | 20.04 | 16.31 | 32.80 | 21.09 | 28.82 | 16.02 | 24.48 | 20.21 |
| — | -31.3% | -49.2% | — | -22.0% | -30.5% | +1.8% | +34.0% | +4.4% | +41.1% | -14.0% | +39.1% | +68.6% | |
| Current Ratio | 0.15 | 0.15 | 0.13 | 0.14 | 0.15 | 0.14 | 0.16 | 0.15 | 0.16 | 0.36 | 0.14 | 0.13 | 0.14 |
| — | +7.3% | -15.9% | -5.2% | -5.8% | -61.8% | +10.9% | +14.3% | +13.0% | +8.7% | +70.9% | +51.4% | +29.2% | |
| Quick Ratio | 0.15 | 0.15 | 0.13 | 0.14 | 0.15 | 0.14 | 0.16 | 0.15 | 0.16 | 0.36 | 0.14 | 0.13 | 0.14 |
| — | +7.3% | -15.9% | -5.2% | -5.8% | -61.8% | +10.9% | +14.3% | +13.0% | +8.7% | +70.9% | +51.4% | +29.2% | |
| Interest Coverage | 0.14 | 0.50 | 1.01 | -1.55 | 0.51 | 0.40 | 0.59 | 0.17 | 0.43 | 0.26 | 0.64 | 0.57 | 0.45 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Capital One Financial Corporation's current P/E is 48.0x. The average P/E over the last 3 quarters is 14.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Capital One Financial Corporation's current operating margin is 3.3%. Margins have been compressing 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.