Skip to content
Screener

Capital One Financial COF Q4 2025 Annual earnings

Reported January 22, 2026 · After market close

Revenue$15.6BBeat by $113.9M
EPS$3.86Miss by $0.28
Revenue estimate$15.5B
EPS estimate$4.14

Next report

Oct 20, 2026 (In 2 weeks)
Revenue estimate$16.3B
EPS estimate$5.49

Financials

Q4 2025

Income statement

See full
Revenue$15.6B+52.9%
Net income$2.1B+94.7%
EPS (diluted)$3.80+42.3%

Balance sheet

See full
Cash & equivalents$62.1B+42.2%
Total debt$53.4B+12.6%
Total equity$113.62B+86.9%
Total assets$669.01B+36.5%

Cash flow

See full
Operating cash flow$7.8B+220%
CapEx$444.0M+24.7%
Free cash flow$7.4B+253%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$154.08B+126%
Enterprise value$145.35B+103%
P/E62.8×+48.5×
P/S2.9×+1.1×

Profitability

See full
Net margin4.6%-7.6pp
FCF margin48.9%+5.6pp

Returns & leverage

See full
Return on equity2.8%-5.2pp
Debt / equity0.5×-0.3×

Segments

By segment

See full
Credit Card$11.7B+58.8%
Consumer Banking$2.9B+36.3%
Commercial Banking$930.0M-2.4%

By product

See full
Interchange fees, net$1.9B+53.2%
Service charges and other customer-related fees$279.0M+80.0%
Other$237.0M+21.5%

FAQ

When did Capital One Financial report Q4 2025 earnings?
Capital One Financial (COF) reported Q4 2025 earnings on January 22, 2026 after market close.
What were Capital One Financial's Q4 2025 revenue and EPS?
Capital One Financial reported revenue of $15.6B and eps of $3.86 for Q4 2025.
Did Capital One Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $15.5B by $113.9M. EPS missed the consensus estimate of $4.14 by $0.28.
Where can I find Capital One Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-019444) and the 10-K periodic report (0000927628-26-000024) directly on SEC EDGAR. The filing index links above go to sec.gov.