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Capital One Financial COF

US equityMarket cap rank #127Credit Card PaymentAsset Management
$196.10
+$0.00 (0.00%)
Market open · Sep 24, 2:00 pm ET
After hours $196.00 -0.05%
Open$196.10
Prev close$196.10
Day range$193.71 – $196.99
Volume1.82M
Market cap$120.30B
P/E (TTM)10.4
Dividend yield1.53%

Fundamentals

Latest reported quarter: Q2, ended Jun 2026

Revenue$15.85B+26.9% YoY
Net profit$3.02B+170.6% YoY
Diluted EPS$4.73+155.1% YoY
Free cash flow$8.08B+42.5% YoY
Operating cash flow$8.44B

Revenue, last 8 quarters

$10.0BSep '24$10.2BDec '24$10.0BMar '25$12.5BJun '25$15.5BSep '25$15.4BDec '25$15.2BMar '26$15.9BJun '26

Net profit, last 8 quarters

$1.8BSep '24$1.1BDec '24$1.4BMar '25$-4.3BJun '25$3.2BSep '25$2.1BDec '25$2.2BMar '26$3.0BJun '26

Diluted EPS by quarter

4.41Sep '242.67Dec '243.45Mar '25-8.58Jun '254.83Sep '253.26Dec '253.34Mar '264.73Jun '26

Free cash flow by quarter

$6.1BSep '24$2.1BDec '24$4.3BMar '25$5.7BJun '25$8.8BSep '25$7.4BDec '25$5.5BMar '26$8.1BJun '26

Annual revenue

$28.5BFY20$30.4BFY21$34.3BFY22$36.8BFY23$39.1BFY24$53.4BFY25

Profitability & balance sheet

Net margin16.4%
Return on equity9.1%
Return on assets1.5%
Liabilities / assets83.1%
Cash & investments$54.71B
Total debt$44.68B
Net cash (debt)$10.04B
Free cash flow / sales47.9%

Where the revenue comes from

Quarter 2026/Q2

By business line

  • Credit Card$11.77B 74.2%
  • Consumer Banking$3.21B 20.2%
  • Commercial Banking$850.00M 5.4%
  • Other$26.00M 0.2%

Income statement

Line item 2026 Q2 2026 Q1 2025 ANNUAL 2025 Q4 2025 Q3
Total Operating Revenue $15.85B $15.23B $53.43B $15.39B $15.46B
Net Interest Income $12.37B $12.15B $42.88B $12.47B $12.40B
-Interest Income $16.39B $16.23B $58.70B $16.69B $16.76B
-Interest Expense $4.01B $4.09B $15.82B $4.22B $4.36B
Non-Interest Income $3.48B $3.09B $10.56B $2.93B $3.06B
-Fees and Commissions $3.06B $2.77B $9.29B $2.76B $2.66B
-Other Non-Interest Income $412.00M $313.00M $1.26B $164.00M $399.00M
Credit Losses Provision -$2.99B -$4.07B -$20.66B -$4.14B -$2.71B
Non-Interest Expense $8.65B $8.05B $29.40B $9.00B $7.92B
Occupancy and Equipment $969.00M $867.00M $3.17B $958.00M $856.00M
Professional Expense and Contract Services Expense $667.00M $585.00M $2.42B $693.00M $641.00M
Selling and Admin Expenses $5.43B $5.17B $18.36B $5.36B $4.90B
-Selling & Marketing Expense $1.66B $1.50B $5.88B $1.93B $1.40B
-General & Admin Expense $3.77B $3.67B $12.47B $3.43B $3.50B
Depreciation & Amortization & Depletion $507.00M $492.00M $1.33B $525.00M $514.00M
-Depreciation & Amortization $507.00M $492.00M $1.33B $525.00M $514.00M
Other Non-Interest Expenses $1.08B $937.00M $4.13B $1.46B $1.01B
Other Income (Expense) -$394.00M -$415.00M -$1.10B -$153.00M -$453.00M
Special Income (Charges) -$394.00M -$415.00M -$1.10B -$153.00M -$453.00M
-Less:Restructuring and Mergern & Acquisition $394.00M $415.00M $1.10B $153.00M $453.00M
Pretax Profit $3.82B $2.70B $2.28B $2.10B $4.38B
Tax $798.00M $518.00M $193.00M $345.00M $1.19B
Net Profit $3.02B $2.17B $2.45B $2.13B $3.19B
Profit from Continuing Operations $3.02B $2.18B $2.09B $1.75B $3.19B
Net Income from Discontinuous Operations $0.00 -$7.00M $365.00M $380.00M -$1.00M
Net Income to Parent Company $3.02B $2.17B $2.45B $2.13B $3.19B
Preferred Stock Dividends $57.00M $73.00M $252.00M $57.00M $73.00M
Other Preferred Stock Dividends $28.00M $20.00M $20.00M $13.00M $33.00M
Net Income to Common Stockholders $2.94B $2.08B $2.18B $2.06B $3.09B
Basic EPS $4.73 $3.34 $4.03 $3.26 $4.83
Diluted EPS $4.73 $3.34 $4.03 $3.26 $4.83
Dividend Per Share $0.80 $0.80 $2.60 $0.80 $0.60
-Less:Other Special Charges – $415.00M – – –
-Gain Loss on Sale of Assets – – $0.00 $0.00 $0.00

Balance sheet

Line item 2026 Q2 2026 Q1 2025 ANNUAL 2025 Q4 2025 Q3
Total Assets $673.84B $682.91B $669.01B $669.01B $661.88B
Cash, Cash Equivalents & Federal Funds Sold $55.88B $79.26B $62.09B $62.09B $58.53B
-Cash and Cash Equivalents $54.71B $76.49B $57.43B $57.43B $55.28B
-Restricted Cash and Investments $1.17B $2.76B $4.66B $4.66B $3.25B
Securities Investment $92.78B $92.31B $91.05B $91.05B $89.73B
-Available for Sale Securities $88.02B $88.40B $86.78B $86.78B $85.98B
-Held to Maturity Securities $2.74B $1.69B – – –
-Short Term Investments $2.03B $2.22B $4.27B $4.27B $3.76B
Net Loan $434.47B $424.31B $430.97B $430.97B $420.73B
-Gross Loan $457.43B $447.94B $454.38B $454.38B $443.83B
-Allowance for Loans and Lease Losses $22.97B $23.63B $23.41B $23.41B $23.10B
Receivables $3.43B $3.46B $3.49B $3.49B $3.46B
-Accounts Receivable $3.43B $3.46B $3.49B $3.49B $3.46B
Net PPE $6.24B $5.73B $5.60B $5.60B $5.58B
Goodwill and Other Intangible Assets $47.94B $44.59B $45.09B $45.09B $45.91B
-Goodwill $31.87B $28.50B $28.51B $28.51B $28.86B
-Other Intangible Assets $16.08B $16.09B $16.58B $16.58B $17.04B
Other Assets $33.09B $33.25B $30.71B $30.71B $29.96B
Total Liabilities $560.04B $570.64B $555.39B $555.39B $548.06B
Total Deposits $484.26B $489.05B $475.77B $475.77B $468.79B
Federal Funds Purchased and Securities Sold Under Agreement to Repurchase $694.00M $626.00M $587.00M $587.00M $616.00M
Short-Term Debt and Capital Lease Obligation $0.00 – $500.00M $500.00M –
-Current Debt $0.00 – $500.00M $500.00M –
Payables $816.00M $827.00M $844.00M $844.00M $826.00M
-Accounts Payable $816.00M $827.00M $844.00M $844.00M $826.00M
Long Term Debt and Capital Lease Obligation $44.68B $51.26B $49.91B $49.91B $50.87B
-Long Term Debt $44.66B $51.26B $49.89B $49.89B $50.84B
-Long Term Capital Lease Obligation $20.00M – $22.00M $22.00M $24.00M
Other Liabilities $29.60B $28.88B $27.78B $27.78B $26.94B
Total Equity $113.79B $112.26B $113.62B $113.62B $113.81B
Stockholders' Equity $113.79B $112.26B $113.62B $113.62B $113.81B
Capital Stock $7.00M $7.00M $7.00M $7.00M $7.00M
-Common Stock $7.00M $7.00M $7.00M $7.00M $7.00M
-Preferred Stock $0.00 $0.00 $0.00 $0.00 $0.00
Additional Paid-In Capital $65.11B $64.28B $64.03B $64.03B $63.73B
Retained Earnings $69.25B $66.79B $65.19B $65.19B $63.62B
Less: Treasury Stock $14.27B $12.94B $10.15B $10.15B $7.63B
Gains/Losses Not Affecting Retained Earnings -$6.30B -$5.88B -$5.47B -$5.47B -$5.92B
-Gross PPE – – $12.20B $12.20B –
-Accumulated Depreciation – – -$6.60B -$6.60B –
Assets Held for Sale – – – – $8.00B
Liabilities of Discontinued Operations – – – – $30.00M

Cash flow

Line item 2026 Q2 2026 Q1 2025 ANNUAL 2025 Q4 2025 Q3
Operating Cash Flow $8.44B $6.02B $27.72B $7.83B $9.15B
Net cash flow from continuing operations $8.44B $6.02B $27.63B $7.76B $9.04B
Net Income from Continuing Operations $3.02B $2.17B $2.45B $2.13B $3.19B
Depreciation & Depletion & Amortization $1.59B $1.51B $5.26B $1.61B $1.83B
Deferred Tax $67.00M $244.00M -$1.91B -$503.00M $858.00M
Other Non-Cash Items -$69.00M $656.00M -$882.00M -$560.00M -$487.00M
Change in Working Capital $637.00M -$2.76B $1.28B $742.00M $753.00M
-Change in Receivables $31.00M $32.00M -$34.00M -$36.00M -$83.00M
-Change in Payables and Accrued Expense -$11.00M -$17.00M -$169.00M $18.00M -$62.00M
-Change in Other Current Assets $1.37B -$2.96B -$610.00M $30.00M $77.00M
-Change in Other Current Liabilities -$748.00M $181.00M $2.09B $730.00M $821.00M
Net cash flow from investing -$16.49B $26.00M -$444.00M -$7.81B -$9.95B
Net Cash Flow from Continuing Investing Activities -$16.49B $26.00M -$9.24B -$16.61B -$9.95B
Net PPE Purchase and Sale -$367.00M -$553.00M -$1.58B -$444.00M -$387.00M
Net Investment Purchase and Sale -$1.11B -$879.00M $9.44B -$959.00M -$1.58B
Net Income from Loans -$12.18B $1.70B -$31.75B -$14.55B -$7.58B
Net Other Investing Changes -$632.00M -$241.00M -$1.82B -$657.00M -$401.00M
Financing Cash Flow -$15.33B $11.11B -$8.85B $3.54B -$2.25B
Net Cash Flow from Continuing Financing Activities -$15.33B $11.11B -$8.85B $3.54B -$2.25B
Increase/Decrease in Deposit -$4.83B $13.30B $5.93B $6.98B $422.00M
Net Issuance Payments of Debt -$7.31B $1.05B -$8.83B -$445.00M -$1.29B
Net Common Stock Issuance -$2.61B -$2.67B -$3.70B -$2.42B -$946.00M
Cash Dividends Paid -$573.00M -$559.00M -$1.77B -$581.00M -$443.00M
Proceeds from Stock Option Exercised $0.00 $1.00M $9.00M $8.00M $0.00
Ending Cash Balance $55.88B $79.26B $62.09B $62.09B $58.53B
Net Change in Cash -$23.38B $17.16B $18.42B $3.57B -$3.05B
Beginning Cash Balance $79.26B $62.09B $43.67B $58.53B $61.58B
Free Cash Flow $8.08B $5.47B $26.14B $7.39B $8.77B
Gain/Loss from Continuing Operations – – $3.00M $1.00M $4.00M
Cash Flow from Discontinued Operating Activities – – $84.00M $70.00M $116.00M
Net Business Purchase and Sale – – $16.47B $0.00 $1.00M
Net Preferred Stock Issuance – – -$500.00M $0.00 $0.00
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