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Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, time deposits, and sweep accounts. Its loan products include credit card and personal loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company offers credit and debit card products; bank lending; and provides advisory, capital markets, net interchange, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and the District of Columbia. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $53.4B | - | $2.5B | $26.1B | 2.2% | 36.6% | -48.4% |
| 2024 | $39.1B | - | $4.8B | $17.0B | 7.8% | 6.3% | -2.8% |
| 2023 | $36.8B | - | $4.9B | $19.6B | 8.4% | 7.4% | -33.6% |
| 2022 | $34.3B | - | $7.4B | $12.9B | 14.0% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 34,250 | 36,787 | 39,112 | 53,434 |
| Pretax Income | 9,240 | 6,045 | 5,910 | 2,281 |
| Tax Provision | 1,880 | 1,158 | 1,163 | 193 |
| Net Income | 7,360 | 4,887 | 4,750 | 2,453 |
| Net Income Common Stockholders | 7,044 | 4,582 | 4,445 | 2,181 |
| Interest Expense | 4,123 | 12,697 | 14,826 | 15,818 |
| Interest Income | 31,237 | 41,938 | 46,034 | 58,696 |
| Selling General And Administration | 12,442 | 13,311 | 13,960 | 18,355 |
| Normalized Income | 7,417.38 | 4,887 | 4,934.95 | 3,094.93 |
| Market Cap | 121,379 | 121,379 | 121,379 | 121,379 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Capital One Financial Corporationthis co. | COF | $116.5B | 49.48↑ premium | 1.07 | 2.2% | - |
| S&P Global Inc. | SPGI | $133.1B | 29.19 | 4.19 | 14.4% | 18.50 |
| Chubb Limited | CB | $130.9B | 12.29 | 1.72 | 14.0% | - |
| The Progressive Corporation | PGR | $117.8B | 10.38 | 3.87 | 37.3% | - |
| CME Group Inc. | CME | $103.8B |
| 25.40 |
| 3.60 |
| 14.2% |
| 17.55 |
| The Bank of New York Mellon Corporation | BK | $99.6B | 16.58 | 2.33 | 14.1% | - |
| KKR & Co. Inc. | KKR | $96.2B | 39.78 | 3.33 | 8.4% | 12.97 |
| Blackstone Inc. | BX | $94.9B | 49.25 | 17.16 | 34.8% | - |
| U.S. Bancorp | USB | $91.0B | 11.42 | 1.48 | 13.0% | - |
| Peer Median | - | 20.99 | 3.46 | 14.1% | 17.55 | |