Capital One Financial Corporation

NYSE:COF Stock Report

Market Cap: US$138.8b

Capital One Financial Past Earnings Performance

Past criteria checks 0/6

Capital One Financial's earnings have been declining at an average annual rate of -9.9%, while the Consumer Finance industry saw earnings growing at 6.8% annually. Revenues have been growing at an average rate of 3.4% per year.

Key information

-9.90%

Earnings growth rate

-6.45%

EPS growth rate

Consumer Finance Industry Growth7.20%
Revenue growth rate3.41%
Return on equity0.0099%
Net Margin-1.15%
Last Earnings Update30 Jun 2025

Recent past performance updates

Recent updates

Capital One Financial (NYSE:COF) Will Pay A Dividend Of $0.60

Aug 01
Capital One Financial (NYSE:COF) Will Pay A Dividend Of $0.60

Capital One: US Consumer Remains Strong

Jun 26

Capital One Financial (NYSE:COF) Is Paying Out A Dividend Of $0.60

May 12
Capital One Financial (NYSE:COF) Is Paying Out A Dividend Of $0.60

Capital One: Credit Trends Resilient Despite Downside Risks

Apr 26

Capital One's Bottom Line Could Expand On Improving Credit Losses

Mar 26

Capital One Financial (NYSE:COF) Has Affirmed Its Dividend Of $0.60

Feb 15
Capital One Financial (NYSE:COF) Has Affirmed Its Dividend Of $0.60

Capital One Has The Ability For Returns To Continue

Feb 05

Capital One Q4 Earnings: Encouraging Credit Trends Justify The Stock Rally

Jan 24

Capital One On Hold, Like Its Pending Buyout Of Discover Financial

Nov 24

Capital One Financial (NYSE:COF) Is Paying Out A Dividend Of $0.60

Nov 07
Capital One Financial (NYSE:COF) Is Paying Out A Dividend Of $0.60

Capital One: Upside Potential Remains

Sep 30

Capital One: Deep Dive To Discover What's In Your Portfolio (Technical Analysis)

Aug 27

Capital One: 30%+ Growth Potential In The Coming Year

Jun 02

Capital One: Less Attractive As Discover Deal Offsets Hopeful Credit Trends (Rating Downgrade)

May 07

The Capital One/Discover Merger: Two Wrongs Don't Make A Right

Mar 08

Capital One + Discover, Does 1 + 1 = 3?

Feb 27

Revenue & Expenses Breakdown

How Capital One Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NYSE:COF Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 2523,773-27321,6030
31 Mar 2528,3084,58419,9420
31 Dec 2427,3964,44219,3980
30 Sep 2426,4974,06218,8620
30 Jun 2426,0474,07518,4140
31 Mar 2426,9724,89518,2710
31 Dec 2326,3614,58218,1220
30 Sep 2326,3365,10418,0230
30 Jun 2326,3905,01518,1070
31 Mar 2327,0155,61317,9910
31 Dec 2228,4037,04417,6780
30 Sep 2229,5168,18017,1490
30 Jun 2230,5529,55116,4230
31 Mar 2231,93911,04915,7760
31 Dec 2132,37911,96914,9970
30 Sep 2131,71512,14014,3340
30 Jun 2130,59311,47213,7180
31 Mar 2124,3697,03613,2500
31 Dec 2018,2592,37813,0600
30 Sep 2016,79595313,0720
30 Jun 2015,321-10013,1780
31 Mar 2018,7932,41313,3340
31 Dec 1922,3575,17913,2870
30 Sep 1922,1235,31213,2340
30 Jun 1922,2415,48513,0200
31 Mar 1922,3755,78512,6610
31 Dec 1822,2205,72012,4240
30 Sep 1821,9323,61011,9700
30 Jun 1821,3903,24811,8980
31 Mar 1820,3782,38311,8490
31 Dec 1719,6861,83911,7820
30 Sep 1719,4133,48511,7400
30 Jun 1719,1343,38111,5320
31 Mar 1718,8923,29411,3970
31 Dec 1619,0423,53211,2010
30 Sep 1619,0423,65611,0450
30 Jun 1618,9773,76610,8780
31 Mar 1618,8583,71310,8810
31 Dec 1518,8773,83410,7230
30 Sep 1518,7673,94310,5310
30 Jun 1518,6053,96010,3800
31 Mar 1518,8264,32810,0580
31 Dec 1418,7494,3389,9130
30 Sep 1418,6324,2519,7750

Quality Earnings: COF is currently unprofitable.

Growing Profit Margin: COF is currently unprofitable.

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: COF is unprofitable, and losses have increased over the past 5 years at a rate of 9.9% per year.

Accelerating Growth: Unable to compare COF's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: COF is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (25.5%).

Return on Equity

High ROE: COF has a negative Return on Equity (0.01%), as it is currently unprofitable.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/08/14 17:03
End of Day Share Price 2025/08/14 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Capital One Financial Corporation is covered by 55 analysts. 18 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen BiggarArgus Research Company
David GeorgeBaird
Terry MaBarclays