Capital One Financial
Capital One is a diversified financial services holding company that operates as a global payments provider and a major banking institution. The company delivers a broad array of financial products and services, including credit cards, auto loans, and commercial banking, through digital channels, branches, and specialized cafés. Following its acquisition of Discover, the company also operates a proprietary global payments network that provides transaction processing and settlement services.
Financials
Based on Q1 2026 filing
Revenue
View metricNet Income
View metricOperating Cash Flow
View metricFree Cash Flow
View metricEPS (Diluted)
View metricBusiness Segments
Credit Card
primaryFocuses on domestic and international consumer and small business card lending, as well as personal loans. This segment is a primary revenue driver and includes operations in the United States, United Kingdom, and Canada.
Capital One Credit Cards, Small Business Credit Cards, Personal Loans
Consumers, Small Businesses
Consumer Banking
majorIncludes traditional deposit-gathering and lending activities for consumers and small businesses, along with national auto lending. It also encompasses the services provided by the newly acquired Global Payment Network.
Checking Accounts, Savings Accounts, Auto Loans, Debit Cards, Discover Network, PULSE Network, Diners Club International
Retail Consumers, Small Businesses, Automotive Dealerships
Commercial Banking
moderateProvides lending, deposit, capital markets, and treasury management services to commercial clients. It specifically targets commercial real estate and industrial customers with significant annual revenues.
Commercial Loans, Treasury Management, Capital Markets Services, Commercial Real Estate Loans
Commercial and Industrial Companies, Commercial Real Estate Developers, Institutional Clients
Segment Financials
Credit Card — Revenue (reduction) from other sources
View metricConsumer Banking — Deposits
View metricConsumer Banking — Revenue (reduction) from other sources
View metricCommercial Banking — Deposits
View metricCommercial Banking — Revenue (reduction) from other sources
View metricCommercial Banking — Customer net revenue range
View metricBusiness Overview
Competitive Position
A leading U.S. credit card issuer and one of the nation's largest banks by deposits, now vertically integrated with its own global payments network.
Geographies
United States, United Kingdom, Canada
Customer Segments
Retail Consumers, Small and Medium Enterprises, Middle Market Corporations
Upstream Dependencies
Cloud Infrastructure Providers, Payment Processing Software, Credit Bureaus, Capital Markets for Funding
Downstream Customers
Individual Consumers, Small Business Owners, Commercial Enterprises, Merchants, Financial Institution Licensees
Competitors & Partners
Competitors
American Express
AXP
Direct competitor in credit cards and payment networks
Wells Fargo & Company
WFC
Competitor in consumer lending and deposits
JPMorgan Chase
JPM
Major competitor in consumer banking and credit cards
Citigroup
C
Competitor in global credit card issuance
Bank of America
BAC
Major competitor in consumer and commercial banking
Synchrony Financial
SYF
Competitor in consumer lending and retail deposits
Partners
Amazon
AMZN
Primary provider of cloud infrastructure services
Global Payments
GPN
Provider of consumer and commercial credit card processing services
Fidelity National Information Services
FIS
Provider of core banking systems
Visa
V
Network partner for credit card issuance
Mastercard
MA
Network partner for credit card issuance
Subsidiaries
Discover Financial Services
Major financial services and payments company merged into Capital One in 2025
Capital One, National Association
Principal operating bank subsidiary
Capital One (Europe) plc
United Kingdom credit card operations
Brex Inc.
Corporate card and spend management company (acquisition pending)
Capital One Securities, Inc.
Registered broker-dealer subsidiary
TripleTree, LLC
Healthcare-focused investment banking subsidiary
Capital One Financial FAQ
Common questions about Capital One Financial
Capital One is a diversified financial services holding company that operates as a global payments provider and a major banking institution. The company delivers a broad array of financial products and services, including credit cards, auto loans, and commercial banking, through digital channels, branches, and specialized cafés. Following its acquisition of Discover, the company also operates a proprietary global payments network that provides transaction processing and settlement services.
Capital One Financial (COF) has a market capitalization of $116.16B and trades on NYSE.
Capital One Financial generated $58.7B in trailing twelve-month revenue with net income of $3.2B, representing a net margin of 5.5%, with free cash flow of $27.3B. These figures are based on the Q1 2026 filing.
Capital One Financial's key competitors include American Express, Wells Fargo, JPMorgan Chase, and others. These companies compete in similar markets and product categories.
Capital One Financial has approximately 51,300 employees.