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Capital One Financial

COF

Capital One is a diversified financial services holding company that operates as a global payments provider and a major banking institution.

Market cap
$118.24B-16.3%
Revenue$58.7B+47.7%
Net income$3.2B-33.9%
Free cash flow$27.3B+47.4%
EPS (diluted)$3.39-71.5%
Trailing twelve months · change vs. prior year

Earnings

Next report

Jul 21, 2026 (In 1 week)
Revenue estimate$15.8B
EPS estimate$4.73

Financials

Q1 2026

Income statement

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Revenue$15.2B+52.3%
Net income$2.2B+54.8%
EPS (diluted)$3.34-3.2%

Balance sheet

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Cash & equivalents$79.3B+61.9%
Total debt$53.5B+26.4%
Total equity$112.26B+76.7%
Total assets$682.91B+38.4%

Cash flow

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Operating cash flow$6.0B+29.1%
CapEx$553.0M+58.9%
Free cash flow$5.5B+26.6%

Valuation & ratios

Valuation

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Market cap$118.24B-16.3%
Enterprise value$92.5B-30.5%
P/E36.7×+22.0×
P/S-1.3×

Profitability

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Net margin5.5%-6.8pp
FCF margin46.5%-0.1pp

Returns & leverage

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Return on equity3.7%-4.4pp
Debt / equity0.5×-0.2×

Segments

By segment

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Credit Card$11.4B+59.0%
Consumer Banking$2.9B+37.0%
Commercial Banking$909.0M+2.8%

By product

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Interchange fees, net$2.0B+60.6%
Service charges and other customer-related fees$249.0M+137%
Other$197.0M+22.4%

Competitors

Profile

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.

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.

GeographiesUnited States, United Kingdom, Canada
Customer segmentsRetail Consumers, Small and Medium Enterprises, Middle Market Corporations
Business modelInterest Income, Transaction Fees, B2C, B2B
SuppliersCloud Infrastructure Providers, Payment Processing Software, Credit Bureaus, Capital Markets for Funding
CustomersIndividual Consumers, Small Business Owners, Commercial Enterprises, Merchants, Financial Institution Licensees
Listed1994
Employees51.3K
CEORichard D. Fairbank
FilingsSEC EDGAR

Questions, answered.

What is Capital One Financial's market cap?
Capital One Financial (COF) has a market capitalization of $118.24B and trades on NYSE.
What is Capital One Financial's revenue and profitability?
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.
Who are Capital One Financial's competitors?
Capital One Financial's key competitors include Bank of America, Wells Fargo, Citigroup, and others. These companies compete in similar markets and product categories.
Who does Capital One Financial partner with?
Capital One Financial's notable partners include Amazon Web Services, Total System Services, Fidelity Information Services, and others.
What subsidiaries does Capital One Financial have?
Capital One Financial's subsidiaries include Discover Financial Services, Capital One, National Association, Capital One (Europe) plc, and others.
Where is Capital One Financial headquartered?
Capital One Financial is headquartered in United States of America and employs approximately 51,300 people. It has been publicly traded since 1994.