Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.32 | 8.60 | 10.60 | 13.65 | 18.59 | 11.00 | — | 12.99 | 16.70 | 8.49 | 25.08 | 11.89 | 19.63 | 5.45 | 7.77 | 10.41 | 7.67 | 5.24 | 5.04 | 5.63 | 6.70 |
| — | -21.8% | — | +5.1% | +11.3% | +29.6% | — | +9.3% | -14.9% | +55.7% | +222.9% | +14.3% | +155.9% | +4.1% | +54.2% | +84.8% | +14.4% | -12.3% | -0.7% | +24.4% | +45.2% | |
| P/S Ratio | 1.97 | 1.80 | 1.97 | 1.87 | 2.49 | 2.20 | 2.14 | 1.72 | 1.68 | 1.43 | 1.39 | 1.52 | 1.32 | 0.99 | 1.16 | 1.04 | 0.99 | 1.01 | 1.24 | 1.66 | 1.90 |
| — | -18.1% | -8.1% | +8.4% | +48.2% | +53.2% | +53.4% | +13.4% | +27.1% | +44.4% | +19.7% | +46.5% | +33.8% | -1.3% | -6.3% | -37.4% | -48.0% | -55.8% | -47.6% | -19.5% | +22.3% | |
| P/B Ratio | 0.96 | 1.07 | 1.10 | 1.01 | 1.35 | 1.19 | 0.97 | 1.08 | 1.12 | 0.91 | 0.92 | 0.99 | 0.86 | 0.69 | 0.77 | 0.68 | 0.68 | 0.70 | 0.77 | 0.96 | 1.01 |
| — | -10.2% | +12.9% | -6.5% | +19.8% | +30.8% | +5.8% | +9.7% | +30.2% | +31.7% | +19.2% | +46.3% | +27.4% | -0.5% | +0.4% | -29.7% | -32.8% | -37.9% | -29.3% | +0.4% | +33.5% | |
| P/FCF | 4.31 | 5.53 | 3.46 | 5.20 | 4.27 | 3.88 | 4.75 | 3.99 | 8.17 | 2.34 | 2.23 | 5.17 | 1.83 | 1.35 | 3.33 | 3.35 | 1.13 | 3.47 | 3.70 | — | 3.44 |
| — | +42.6% | -27.0% | +30.4% | -47.8% | +65.9% | +112.6% | -22.8% | +345.3% | +72.6% | -33.0% | +54.3% | +61.9% | -61.0% | -10.0% | — | -67.1% | -65.2% | -17.5% | — | +35.1% | |
| EV / EBITDA | 5.48 | 6.48 | 3.23 | 5.21 | 9.90 | 5.32 | — | 6.10 | 7.77 | 4.75 | 9.52 | 5.91 | 8.20 | 3.38 | 6.17 | 4.06 | 5.61 | 5.56 | 5.85 | 4.80 | 5.30 |
| — | +21.9% | — | -14.6% | +27.3% | +11.9% | — | +3.4% | -5.2% | +40.6% | +54.5% | +45.6% | +46.2% | -39.2% | +5.5% | -15.5% | +5.9% | +32.5% | +77.6% | +108.6% | +79.9% | |
| EV / EBIT | 51.47 | 6.48 | 3.92 | 8.13 | 17.47 | 7.54 | — | 8.97 | 12.11 | 6.48 | 21.39 | 8.92 | 15.22 | 4.68 | 7.32 | 8.42 | 8.67 | 7.45 | 7.63 | 6.17 | 6.78 |
| — | -14.0% | — | -9.4% | +44.2% | +16.3% | — | +0.6% | -20.4% | +38.5% | +192.0% | +5.9% | +75.5% | -37.2% | -4.0% | +36.5% | +28.0% | +44.4% | +95.2% | +122.7% | +82.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.3% | 82.2% | 106.4% | 73.3% | 73.1% | 82.4% | 9.1% | 76.3% | 74.1% | 75.2% | 59.0% | 71.5% | 69.9% | 75.6% | 72.4% | 68.6% | 73.3% | 81.0% | 86.8% | 91.7% | 95.3% |
| — | -0.4% | +1067.2% | -4.0% | -1.3% | +9.6% | -84.5% | +6.8% | +5.9% | -0.5% | -18.5% | +4.2% | -4.5% | -6.7% | -16.6% | -25.2% | -23.1% | -22.3% | -25.0% | -17.8% | -1.1% | |
| Operating Margin | 4.3% | 28.0% | 46.3% | 17.7% | 13.6% | 28.3% | -47.1% | 17.3% | 14.3% | 22.1% | 6.8% | 16.8% | 9.8% | 23.7% | 19.2% | 13.1% | 17.1% | 24.8% | 31.1% | 36.0% | 37.7% |
| — | -1.3% | +198.3% | +2.5% | -4.8% | +27.9% | -790.3% | +2.8% | +46.0% | -6.6% | -64.4% | +28.8% | -42.6% | -4.5% | -38.4% | -63.7% | -54.7% | -51.2% | -49.7% | -38.9% | -9.8% | |
| Net Margin | 4.6% | 21.7% | 19.1% | 14.3% | 13.9% | 20.6% | -34.0% | 14.0% | 10.8% | 17.7% | 6.3% | 13.6% | 7.4% | 19.1% | 15.9% | 10.8% | 13.6% | 19.2% | 24.7% | 29.4% | 29.9% |
| — | +4.9% | +156.0% | +1.7% | +28.9% | +16.3% | -643.0% | +3.1% | +44.8% | -7.2% | -60.6% | +26.3% | -45.5% | -0.7% | -35.6% | -63.3% | -54.4% | -51.5% | -48.5% | -37.1% | -14.6% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 2.8% | 3.2% | 2.7% | 1.9% | 1.9% | 2.8% | -4.9% | 2.3% | 1.8% | 2.9% | 1.0% | 2.2% | 1.3% | 3.3% | 2.6% | 1.8% | 2.4% | 3.2% | 3.7% | 4.1% | 3.9% |
| — | +11.5% | +154.5% | -14.8% | +5.9% | -3.4% | -575.4% | +2.2% | +40.2% | -11.1% | -60.7% | +23.4% | -47.0% | +1.8% | -29.2% | -56.3% | -38.8% | -32.9% | -34.2% | -25.3% | -10.0% | |
| ROA | 0.4% | 0.5% | 0.4% | 0.3% | 0.3% | 0.5% | -0.7% | 0.3% | 0.2% | 0.4% | 0.1% | 0.3% | 0.1% | 0.4% | 0.3% | 0.2% | 0.3% | 0.4% | 0.5% | 0.6% | 0.6% |
| — | +8.8% | +160.0% | +12.7% | +42.9% | +31.4% | -697.6% | +7.1% | +51.1% | -3.5% | -59.2% | +28.7% | -45.7% | -0.5% | -34.4% | -62.7% | -51.6% | -47.6% | -44.3% | -29.4% | -7.1% | |
| ROIC | 1.3% | 2.2% | 3.4% | 1.2% | 1.0% | 2.0% | -3.3% | 1.2% | 1.0% | 1.5% | 0.5% | 1.1% | 0.7% | 1.6% | 1.2% | 0.9% | 1.1% | 1.5% | 1.8% | 2.1% | 2.2% |
| — | +7.7% | +203.5% | +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% | -49.9% | -49.1% | -47.4% | -31.7% | -1.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.45 | 0.45 | 0.40 | 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 | 0.93 | 1.07 | 1.10 | 0.81 | 0.71 |
| — | +0.3% | -16.0% | -31.5% | -40.1% | -42.3% | -42.6% | -24.5% | -12.7% | -14.6% | -10.2% | -2.4% | -7.4% | -14.5% | -16.5% | +10.9% | +31.3% | +81.9% | +96.2% | +28.1% | +4.8% | |
| Debt / EBITDA | 6.76 | 10.89 | 5.08 | 12.01 | 13.77 | 8.28 | — | 16.44 | 20.04 | 16.31 | 32.80 | 21.09 | 28.82 | 16.02 | 24.48 | 20.21 | 20.42 | 18.63 | 17.60 | 11.99 | 11.01 |
| — | +31.4% | — | -27.0% | -31.3% | -49.2% | — | -22.0% | -30.5% | +1.8% | +34.0% | +4.4% | +41.1% | -14.0% | +39.1% | +68.6% | +85.4% | +143.4% | +162.9% | +57.5% | +5.0% | |
| Current Ratio | 0.15 | 0.30 | 0.13 | 0.36 | 0.15 | 0.13 | 0.14 | 0.15 | 0.14 | 0.16 | 0.15 | 0.16 | 0.36 | 0.14 | 0.13 | 0.14 | 0.33 | 0.08 | 0.09 | 0.11 | 0.38 |
| — | +123.6% | -10.8% | +137.1% | +7.3% | -15.9% | -5.2% | -5.8% | -61.8% | +10.9% | +14.3% | +13.0% | +8.7% | +70.9% | +51.4% | +29.2% | -13.4% | -24.8% | -30.7% | -35.4% | -18.3% | |
| Quick Ratio | 0.15 | 0.30 | 0.13 | 0.36 | 0.15 | 0.13 | 0.14 | 0.15 | 0.14 | 0.16 | 0.15 | 0.16 | 0.36 | 0.14 | 0.13 | 0.14 | 0.33 | 0.08 | 0.09 | 0.11 | 0.38 |
| — | +123.6% | -10.8% | +137.1% | +7.3% | -15.9% | -5.2% | -5.8% | -61.8% | +10.9% | +14.3% | +13.0% | +8.7% | +70.9% | +51.4% | +29.2% | -13.4% | -24.8% | -30.7% | -35.4% | -18.3% | |
| Interest Coverage | 0.14 | 1.14 | 1.83 | 0.66 | 0.50 | 1.01 | -1.55 | 0.51 | 0.40 | 0.59 | 0.17 | 0.43 | 0.26 | 0.64 | 0.57 | 0.45 | 0.79 | 1.83 | 4.44 | 7.61 | 8.03 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying COF stock.
Capital One Financial Corporation's current P/E is 11.3x. The average P/E over the last 4 quarters is 12.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Capital One Financial Corporation's current operating margin is 4.3%. 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.