FirmAtlas
Company handbook · COF · Prepared by FirmAtlas · firmatlas.app · printed 2026-10-17
COF · CIK 927628 · LATEST FILING: 10-Q JUN '26 · FILED JUL 28, 2026
CAPITAL ONE FINANCIAL CORP
$201.74
+2.88 (+1.45%)
Close, Oct 16, 2026 · 52-week $174–260
Capital One is a bank. It issues credit cards (including Discover cards since it bought Discover in 2025), makes auto loans, takes deposits, and lends to businesses. It also runs the Discover and PULSE payment networks.
Business
- CustomersConsumers and businesses, mostly in the U.S., with cards also in Canada and the U.K.; mostly online and by app, with some branches and cafés
Last fiscal year
CAPITAL ONE FINANCIAL CORP reported revenue of $53.4B for the year ended Dec 31, 2025 (FY25), up 36.6% from FY24. Net income was $2.5B. Source: 10-K filed Feb 19, 2026.
Market cap
$126.1B
P/E
12.0
P/B
1.1
Div yield
1.59%
ROTCE
2.8%
Revenue 1Y
36.6%/yr
EPS 1Y
−65.2%/yr
Shares 1Y
+64%
Loading chart…
Median
Daily closes, split-adjusted · ratios at each fiscal year end
Company
CEORichard D. Fairbank
HQMcLean, VA
AuditorErnst & Young LLP
Employees76,300
Year endsDecember
Compounded growth & averages
10Y
5Y
3Y
TTM
Share price
10.9%
3.7%
27.6%
−0.7%
Upgrade to see 10 years
Share price: yearly compound rate of the traded close; the last column is the past year.
Where the earnings went · FY24–FY25
$7.2B net income
Dividends
$2.4B
34.0%
Buybacks
$4.8B
67.1%
Retained
−$78M
-1.1%
Growth engines
How much of the profit growth came from new investment, and how much from running the business better.
Upgrade to see 10 years
Financials
Last 2 years · Upgrade to see 10 years · USD millions · each year opens its 10-K · change vs previous year
Last 4 quarters · USD millions · quarter-end month shown · change vs same quarter a year earlier
TTM = the last four quarters, to Jun '26. Balance-sheet rows show that latest quarter. “—” where the quarters do not add up to the annual figures. No TTM for cash: our quarterly rows do not hold short-term investments yet, and annual cash includes them.
Income
Total revenue
39,112
53,434+36.6%
62,023
YoY
+36.6%
Interest income
46,034
58,696+27.5%
—
Interest expense
14,826
15,818+6.7%
—
Net interest income
31,208
42,878+37.4%
49,389
Non-interest income
7,904
10,556+33.6%
—
Provision for credit losses
11,716
20,655+76.3%
—
NII after provision
19,492
22,223+14.0%
—
Non-interest expense
21,486
30,498+41.9%
—
Pre-tax income
5,910
2,281−61.4%
—
Net income
4,750
2,453−48.4%
10,520
YoY
−48.4%
EPS (diluted, $)
11.59
4.03−65.2%
—
YoY
−65.2%
Balance sheet
Total assets
490,144
669,009+36.5%
673,835
Cash & securities
43,671
62,093+42.2%
—
Gross loans & leases
327,775
453,622+38.4%
—
Less allowance for credit losses
(16,258)
(23,409)n/m
—
Other assets
134,956
176,703+30.9%
—
Total liabilities
429,360
555,393+29.4%
560,042
Deposits
362,707
475,771+31.2%
—
Borrowings
45,551
51,000+12.0%
45,371
Other liabilities
21,102
28,622+35.6%
—
Shareholders’ equity
60,784
113,616+86.9%
113,793
Tangible common equity
60,784
113,616+86.9%
—
Shares outstanding (M)
381
625+64.0%
—
Total liabilities = total assets − shareholders’ equity, so it includes minority interest where a company has one.
Where the earnings went
Income
Sep '25
Dec '25
Mar '26
Jun '26
Total revenue
15,359
15,583
15,231
15,850
vs year-ago quarter
Net interest income
12,404
12,466
12,145
12,374
Non-interest income
2,955
3,117
3,086
3,476
Net income
3,192
2,134
2,174
3,020
vs year-ago quarter
EPS (diluted, $)
4.83
3.41
3.34
4.73
vs year-ago quarter
Balance sheet
Sep '25
Dec '25
Mar '26
Jun '26
Total assets
661,877
669,009
682,905
673,835
Cash & due from banks
58,527
62,093
79,256
55,881
Borrowings
51,482
51,000
51,888
45,371
Shareholders’ equity
113,813
113,616
112,261
113,793