COF

— Fundamental Stock Analysis and Report Card

Financial Services : Financial - Credit Services

Located in McLean, VA, US. Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company. It oversees essential subsidiaries such as Capital One Bank (USA), National Association, and Capital One, National Association, which collectively offer a broad spectrum of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its extensive operations into three core divisions: Credit Card, Consumer Banking, and Commercial Banking. Clients can utilize various deposit instruments, including checking accounts, money market accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, and time deposits. Capital One's lending solutions are equally comprehensive, encompassing credit card financing, personal auto and retail banking loans, as well as significant commercial and multifamily real estate loans, and broader commercial and industrial credit facilities. Furthermore, the corporation provides credit and debit card issuance, robust online direct banking capabilities, and specialized treasury management and custodial services. Capital One serves a diverse clientele that includes individual consumers, small enterprises, and large commercial entities. It reaches these customers through a multi-channel approach, leveraging digital platforms, traditional physical branches, innovative café locations, and other distribution points, particularly within key states like New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Established in 1988, Capital One Financial Corporation maintains its primary executive offices in McLean, Virginia.

Growth

Revenue, earnings and profitability.

Strong revenue growth and earnings can attract investors, driving the stock price up. Profitability indicates the company's efficiency and sustainability, which impacts investor confidence. Poor performance in these areas can lead to a decrease in stock price.

Revenue History

Earnings History

Margins

Gross Margin TTM
48.31%
EBITDA Margin TTM
12.25%
Net Margin TTM
4.29%
Earnings Per Share TTM
5.18
Statements

Income & Cash Flow analysis.

An income statement shows what a company earned and spent over a period — revenue at the top, costs and expenses in between, and net income at the bottom. A cash flow statement tracks the actual cash moving in and out, across operations, investing, and financing. Read together, they show whether reported earnings are backed by real cash.

Capital One Financial Corporation
Select Period:
Q1 2026
Total ($)
Q1 2026
Margin (%)
Revenue
19.3b
+5.9b
+44.1%
Gross Income
11.2b
+3.5b
+46.3%
58%
+0.9pp
+1.5%
EBITDA
4.2b
+1.7b
+65.6%
22%
+2.8pp
+14.9%
Operating Income
2.7b
+970.0m
+56.1%
14%
+1.1pp
+8.3%
Net Income
2.2b
+770.0m
+54.8%
11%
+0.8pp
+7.5%
Earnings Per Share
3.34
-0.1
-3.5%
Operating Cash Flow
6.0b
+1.4b
+29.1%
31%
-3.6pp
-10.4%
Free Cash Flow
5.5b
+1.2b
+26.6%
28%
-3.9pp
-12.1%
Research & Development
n/a
n/a
n/a
n/a
n/a
n/a