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Capital One Financial
COFFinancialsGenerated Jul 5, 2026, 08:12 PM UTC
COF (Capital One Financial) analytical snapshot. Revenue grew +7.4% YoY to $36.79B. Net margin at 13.28% (expanding ▲). Return on equity 9.29%, ROA 1.00%, ROIC 9.29%. Market cap $127.64B at $205.12 per share. Trailing P/E 17.16, P/S 3.47, P/B 1.14. EV/Operating income ≈ 18.88 (EV $92.27B). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 23 (data confidence 81%). Descriptive analytics from public filings — not investment advice.
Market cap
$127.64B
622.29M shares
Price
$205.12
NYQ
P/E (ttm)
17.16
Revenue (FY)
$36.79B
YoY +7.4%
Net margin
13.28%
▲ 3.77pp
Free cash flow
$19.61B
53.32% margin
Risk level
Moderate
Free SEC analysis
— computed from SEC filings, free to readFree previewFundamentals Analyst
Fundamentals
Fundamentals Analyst
score 60Improving
80% conf
Revenue grew +7.4% YoY to $36.79B. Net margin at 13.28% (expanding ▲). Return on equity 9.29%, ROA 1.00%, ROIC 9.29%.
- Revenue grew +7.4% YoY to $36.79B.
- Net margin at 13.28% (expanding ▲).
- Return on equity 9.29%, ROA 1.00%, ROIC 9.29%.
- Gross margin 0.00%, operating margin 13.28%.
- Free cash flow margin 53.32% ($19.61B).
- Net income down ▼ +33.6% YoY.
- Debt/equity 0.39, current ratio —, net debt -$35.38B.
- Asset turnover 0.05 — capital efficiency.
Revenue (FY)
$36.79B
YoY +7.4%
Net margin
13.28%
▲ 3.77pp
ROE
9.29%
ROA 1.00%
ROIC
9.29%
EPS (diluted)
$11.95
FY2025
Free cash flow
$19.61B
53.32% margin
Debt / equity
0.39
Cash $79.26B
Current ratio
—
Equity $112.26B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2016 | — | — | — | — | — | — | 0.00 |
| 2017 | $23.41B | — | 0.00 | 17.14 | 17.30 | $9.60B | 8.99 |
| 2018 | $25.50B | +8.9% | 0.00 | 14.78 | 14.71 | $11.08B | 7.93 |
| 2019 | $27.24B | +6.8% | 0.00 | 7.77 | 7.28 | $13.16B | 4.17 |
| 2020 | $28.08B | +3.1% | 0.00 | 21.46 | 21.42 | $12.10B | 12.34 |
| 2021 | $28.59B | +1.8% | 0.00 | 19.35 | 19.40 | $15.75B | 10.73 |
| 2022 | $28.52B | -0.2% | 0.00 | 9.53 | 9.52 | $15.99B | 4.68 |
| 2023 | $30.43B | +6.7% | 0.00 | 40.72 | 40.71 | $11.61B | 20.58 |
| 2024 | $34.25B | +12.5% | 0.00 | 21.49 | 21.49 | $12.88B | 12.06 |
| 2025 | $36.79B | +7.4% | 0.00 | 13.28 | 13.28 | $19.61B | 9.29 |
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Mar 31, 2025 | $10.00B | +6.4% | — | 14.04% |
| Jun 30, 2025 | $22.49B | +19.0% | +124.9% | -12.77% |
| Jun 30, 2025 | $12.49B | -33.9% | -44.5% | -23.00% |
| Sep 30, 2025 | $37.85B | +30.9% | +203.0% | 0.84% |
| Sep 30, 2025 | $15.36B | -46.9% | -59.4% | 2.08% |
| Mar 31, 2026 | $15.23B | +52.3% | -0.8% | 14.27% |
Revenue (annual, SEC 10-K)
2016: 0
2017: 23,413
2018: 25,501
2019: 27,237
2020: 28,076
2021: 28,593
2022: 28,523
2023: 30,435
2024: 34,250
2025: 36,787
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Profitability trends (%)
GrossOperatingNet
Free cash flow (annual)
2016: 0
2017: 9,595
2018: 11,077
2019: 13,164
2020: 12,104
2021: 15,752
2022: 15,989
2023: 11,612
2024: 12,875
2025: 19,614
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Sources:SEC EDGAR — Company Facts (XBRL)
Free previewRegulatory Analyst
Filings & Ownership
Regulatory Analyst
score 30Improving
80% conf
Latest annual report (10-K) filed Feb 19, 2026. Latest quarterly report (10-Q) filed May 7, 2026. 16 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 19, 2026.
- Latest quarterly report (10-Q) filed May 7, 2026.
- 16 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~10,000+ recent 13F-HR filings reference Capital One Financial; broad institutional reporting.
- Recent filers include KBW ASSET MANAGEMENT INC, KBW ASSET MANAGEMENT INC, KBW ASSET MANAGEMENT INC.
- 1 recent 13D activist/beneficial-ownership filings — potential catalyst.
- 19 recent 13G passive institutional ownership notices.
Latest 10-K
Feb 19, 2026
Annual report
Latest 10-Q
May 7, 2026
8-K (recent)
16
Insider net
—
0B/0S
13F filers
10k+
Activist 13D
1
Recent 13F institutional filers (SEC EDGAR full-text)
| Filer | Form | Filed |
|---|---|---|
| KBW ASSET MANAGEMENT INC | 13F-HR | Feb 13, 2001 |
| KBW ASSET MANAGEMENT INC | 13F-HR | Mar 16, 2001 |
| KBW ASSET MANAGEMENT INC | 13F-HR | Apr 19, 2001 |
| CTC Fund Management LLC | 13F-HR | May 15, 2012 |
| KBW ASSET MANAGEMENT INC | 13F-HR | Nov 5, 2001 |
Recent 8-K material events
| Date | Form | Description |
|---|---|---|
| Jun 15, 2026 | 8-K | 8-K |
| Jun 9, 2026 | 8-K | 8-K |
| Jun 8, 2026 | 8-K | 8-K |
| May 15, 2026 | 8-K | 8-K |
| May 8, 2026 | 8-K | 8-K |
| Apr 23, 2026 | 8-K | 8-K |
| Apr 21, 2026 | 8-K | 8-K |
| Apr 21, 2026 | 8-K | 8-K |
Free previewSEC Filing Analyst
SEC Filing Deep-Analysis
SEC Filing Analyst
score -27Deteriorating
62% conf
2 risk signal(s), 1 positive signal(s) detected from XBRL filing diff analysis. 2 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- Going concern doubt: The term "going concern" appears in 21 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Material weakness in internal controls: The term "material weakness" appears in 25 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Operating cash flow exceeds net income: OCF is 4.21x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
- Endogenous analysis: 2 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 20 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- Ongoing high-severity risk language: Going concern doubt, Material weakness in internal controls.
Revenue
$36.79B
+7.4% YoY
Operating income
$4.89B
-33.6% YoY
Net income
$4.89B
-33.6% YoY
Operating cash flow
$20.57B
+49.0% YoY
Capex
$961.0M
+2.9% YoY
Total assets
$490.14B
+2.4% YoY
Total liabilities
$429.36B
+2.1% YoY
Long-term debt
$24.44B
-15.0% YoY
Filing quality score
80/100
20 new disclosures
SEC XBRL metric changes (latest annual vs prior)
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $34.25B | $36.79B | $2.54B | +7.4% |
| Operating income | $7.36B | $4.89B | $-2.47B | -33.6% |
| Net income | $7.36B | $4.89B | $-2.47B | -33.6% |
| Operating cash flow | $13.81B | $20.57B | $6.77B | +49.0% |
| Capex | $934.0M | $961.0M | $27.0M | +2.9% |
| Total assets | $478.46B | $490.14B | $11.68B | +2.4% |
| Total liabilities | $420.38B | $429.36B | $8.98B | +2.1% |
| Long-term debt | $28.76B | $24.44B | $-4.32B | -15.0% |
| Cash & equivalents | $22.05B | $31.26B | $9.20B | +41.7% |
| Stockholders equity | $61.03B | $52.58B | $-8.45B | -13.8% |
| Interest expense | $3.12B | $1.60B | $-1.52B | -48.8% |
XBRL disclosure changes (new vs dropped concepts)
| Type | Concepts |
|---|---|
| Added | DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss, DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest, DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss, DebtSecuritiesHeldToMaturityExcludingAccruedInterestNonaccrual, DebtSecuritiesHeldToMaturityMaturityAfter10YearsWeightedAverageYield, DebtSecuritiesHeldToMaturityMaturityAfterFiveThroughTenYearsWeightedAverageYield, DebtSecuritiesHeldToMaturityMaturityAfterOneThroughFiveYearsWeightedAverageYield, DebtSecuritiesHeldToMaturityMaturityWithinOneYearWeightedAverageYield, DebtSecuritiesHeldToMaturityWeightedAverageYield, HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain |
| Removed | AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment, AdjustmentsToAdditionalPaidInCapitalOther, AllocatedShareBasedCompensationExpense, AssetsOfDisposalGroupIncludingDiscontinuedOperation, BusinessCombinationAcquisitionRelatedCosts, Capital, CapitalRequiredForCapitalAdequacyToRiskWeightedAssets, CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets, CapitalToRiskWeightedAssets, CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations |
Risk language in filing text (EDGAR full-text search)
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Going concern doubt | high | 21 | 2 | Ongoing |
| Material weakness in internal controls | high | 25 | 2 | Ongoing |
| Impairment charge | medium | 76 | 2 | Ongoing |
| Restructuring | medium | 128 | 11 | Ongoing |
| Off-balance sheet arrangements | medium | 135 | 8 | Ongoing |
| Related party transactions | low | 43 | 2 | Ongoing |
Filing signal breakdown
Red flags: 2
Positive: 1
Watch: 0
Red flags
Positive
Watch
Unlock the rest
- ProValuationMarket cap $127.64B at $205.12 per share.
- ProPrice & TechnicalsPrice $205.12 — downtrend (below 200-DMA); 1-month momentum positive.
- ProMacro & RatesMarket regime: Risk-on · Supportive.
- ProRisk ScorecardComposite risk: Moderate.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. Capital One Financial is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
16.59
Fed funds
3.63%
CPI YoY
+4.2%
Analytical read
deterministic previewRevenue grew **+7.4%** YoY to $36.79B..
Risk
Moderate
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
Peer comparison
Rate-sensitive groupHow COF stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Capital One Financial COF● you | 23 | Neutral |
| Chubb Ltd. CB | 23 | Neutral |
| U.S. Bancorp USB | 17 | Neutral |
| JPMorgan Chase & Co. JPM | 16 | Neutral |
| Prologis Inc. PLD | 14 | Neutral |
| Simon Property Group SPG | 13 | Neutral |
| American Express Co. AXP | 11 | Neutral |
| Bank of America Corp. BAC | 11 | Neutral |
| Visa Inc. V | 8 | Neutral |
| Mastercard Inc. MA | 8 | Neutral |
| Public Storage PSA | 8 | Neutral |
| Dominion Energy D | 6 | Neutral |
| Charles Schwab Corp. SCHW | 6 | Neutral |
| CME Group Inc. CME | 6 | Neutral |
| PNC Financial Services PNC | 4 | Neutral |
| Realty Income Corp. O | 4 | Neutral |
| Travelers Cos. TRV | 2 | Neutral |
| Duke Energy Corp. DUK | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| Wells Fargo & Co. WFC | -1 | Neutral |
| Welltower Inc. WELL | -1 | Neutral |
| Exelon Corp. EXC | -3 | Neutral |
| NextEra Energy NEE | -4 | Neutral |
| Xcel Energy XEL | -5 | Neutral |
| American International Group AIG | -5 | Neutral |
| Truist Financial TFC | -5 | Neutral |
| Digital Realty Trust DLR | -6 | Neutral |
| Allstate Corp. ALL | -7 | Neutral |
| S&P Global SPGI | -8 | Neutral |
| American Water Works AWK | -9 | Neutral |
| Goldman Sachs Group GS | -10 | Neutral |
| Citigroup Inc. C | -11 | Neutral |
| Moody's Corp. MCO | -13 | Neutral |
| Morgan Stanley MS | -13 | Neutral |
| MetLife Inc. MET | -13 | Neutral |
| Southern Company SO | -15 | Neutral |
| BlackRock Inc. BLK | -15 | Neutral |
| Equinix Inc. EQIX | -16 | Neutral |
| American Electric Power AEP | -18 | Neutral |
| Crown Castle Inc. CCI | -18 | Neutral |
| American Tower Corp. AMT | -39 | Neutral |