Capital One Financial Corp (COF)
Capital One Financial Corp brought in $62B of revenue over the twelve months to June 30, 2026, up 45.3% from a year earlier. Net income was $10.5B, a net margin of 17.0%. Operating cash flow minus capital spending left $26.1B of free cash flow in fiscal 2025. At June 30, 2026 it held $55.9B in cash against $45.4B of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on July 28, 2026.
Key facts about Capital One Financial Corp
- Net worth
- Capital One Financial Corp has a market value (market cap) of $123.9B at the latest share price, and shareholders' equity of $113.8B on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $53.4B (+36.6% year on year), with net income of $2.5B. Over the 12 months to June 30, 2026: revenue $62B, net income $10.5B.
- Cash flow
- In fiscal 2025 operations brought in $27.7B of cash; after $1.6B of capital spending, free cash flow was $26.1B.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on July 28, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- Capital One Financial Corp's next report is expected around October 19, 2026. That is an estimate from its filing rhythm, not a date the company has announced.
What Capital One Financial Corp does
Capital One Financial provides banking, credit card, and auto lending products and services. It offers consumer credit cards, checking and savings accounts, home and auto loans, and commercial banking services. Customers include individual consumers, small business owners, and commercial enterprises. Its shares trade on NYSE under the ticker COF.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $53.4B | $2.5B | $4.03 | $26.1B |
| 2024 | $39.1B | $4.8B | $11.59 | $17B |
| 2023 | $36.8B | $4.9B | $11.95 | $19.6B |
| 2022 | $34.3B | $7.4B | $17.91 | $12.9B |
| 2021 | $30.4B | $12.4B | $26.94 | $11.6B |
| 2020 | $28.5B | $2.7B | $5.18 | $16B |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where COF ranks in Finance
Dividends
It paid out $1.5B in cash dividends, 62% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | n/a | $1.5B | 62% |
| 2024 | n/a | $932M | 20% |
| 2023 | n/a | $931M | 19% |
| 2022 | n/a | $950M | 13% |
| 2021 | n/a | $1.1B | 9% |
| 2020 | n/a | $460M | 17% |
Latest SEC filings
What Capital One Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- September 15, 2026Other event 8-K
- September 15, 2026
- September 15, 2026
- September 4, 2026Form S-8 POS filing S-8 POS
- September 1, 2026
- August 28, 2026Form S-8 POS filing S-8 POS
- August 20, 2026Other event 8-K
- August 17, 2026
- July 28, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 27% to $15.9B versus the same quarter last year; diluted EPS $4.73 versus -$8.58.
- July 21, 2026
What is COF worth? A DCF from its reported cash flow
Insider trades
What the people running Capital One Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $8.6M worth of shares in the last 90 days and bought none on the open market. Most of the selling (78%) was pre-planned under Rule 10b5-1 trading plans.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 6, 2026 | Cooper Matthew WGeneral Counsel & Corp Secy | Soldpre-planned (10b5-1) | 3,500 | $686.8K |
| September 15, 2026 | Dean LiaPres, Banking & Prem. Products | Soldpre-planned (10b5-1) | 2,066 | $425.7K |
| September 15, 2026 | Karam CeliaPres, Retail Bank | Soldpre-planned (10b5-1) | 2,017 | $415.6K |
| September 1, 2026 | Cooper Matthew WGeneral Counsel & Corp Secy | Soldpre-planned (10b5-1) | 3,500 | $749.4K |
| August 17, 2026 | Dean LiaPres, Banking & Prem. Products | Soldpre-planned (10b5-1) | 2,192 | $494.3K |
| August 17, 2026 | Dean LiaPres, Banking & Prem. Products | Soldpre-planned (10b5-1) | 1 | $225.9 |
| August 17, 2026 | Karam CeliaPres, Retail Bank | Soldpre-planned (10b5-1) | 1,887 | $425.6K |
| August 17, 2026 | Karam CeliaPres, Retail Bank | Soldpre-planned (10b5-1) | 1 | $225.9 |
Who owns COF
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Vanguard Capital Management13G, passive | 7.51% | April 29, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 2,116 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 51,054,869 | +236,643 |
| Vanguard Capital Management LLC | 40,646,052 | +136,467 |
| State Street Corp | 27,797,298 | +243,395 |
| Jpmorgan Chase & Co | 17,785,818 | +429,972 |
| Geode Capital Management, LLC | 14,360,681 | +66,700 |
| Franklin Resources Inc | 13,440,351 | -288,295 |
| Vanguard Portfolio Management LLC | 12,800,697 | +921,776 |
| Harris Associates L P | 11,492,010 | +1,134,363 |
| Fmr LLC | 11,130,538 | -1,429,940 |
| Norges Bank | 9,978,148 | new |
| Dodge & Cox | 9,117,926 | +342,994 |
| Morgan Stanley | 8,768,807 | -161,543 |
| Goldman Sachs Group Inc | 8,496,306 | +509,808 |
| Davis Selected Advisers | 8,270,946 | -268,790 |
| Invesco Ltd. | 7,416,162 | +849,689 |
| Capital World Investors | 7,371,325 | -10,749,314 |
| Bank of America Corp | 7,154,376 | +414,406 |
| Wellington Management Group Llp | 7,108,112 | +1,887,497 |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | 6,524,225 | -411,766 |
| Aristotle Capital Management, LLC | 6,400,144 | -350,652 |
Insiders
28 insiders reported holding 5,151,704 shares in total, about $1.04B at the last price.
| Holder | Shares |
|---|---|
| Fairbank Richard DChairman and CEO, Director | 4,068,510 |
| Sanjiv YajnikPresident, Financial Services | 149,383 |
| Cooper Matthew WGeneral Counsel & Corp Secy | 79,694 |
| Alexander Robert M.Chief Information Officer | 77,292 |
| LaPrade,III Frank G.Chief Enterprise Srvcs Officer | 69,283 |
| Shattuck Mayo A IIIDirector | 67,911 |
| Dean LiaPres, Banking & Prem. Products | 61,195 |
| Young Andrew MChief Financial Officer | 59,186 |
| Karam CeliaPres, Retail Bank | 57,696 |
| Haggerty KaitlinChief Human Resources Officer | 49,181 |
Questions about COF
What does Capital One Financial Corp do?
Capital One Financial provides banking, credit card, and auto lending products and services. It offers consumer credit cards, checking and savings accounts, home and auto loans, and commercial banking services. Customers include individual consumers, small business owners, and commercial enterprises. Its shares trade on NYSE under the ticker COF.
What is Capital One Financial Corp's net worth?
Capital One Financial Corp has a market value (market cap) of $123.9B at the latest share price, and shareholders' equity of $113.8B on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Capital One Financial Corp profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $10.5B on revenue of $62B, a net margin of 17.0%.
How much revenue does Capital One Financial Corp make?
Over the twelve months to June 30, 2026 Capital One Financial Corp reported revenue of $62B. That is 45.3% more than a year earlier.
When did Capital One Financial Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on July 28, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the insider trade from October 7, 2026.
When is Capital One Financial Corp's next earnings report?
Capital One Financial Corp's next report is expected around October 19, 2026. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values Capital One Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.