Capital One Financial Corporation (COF)
NYSE · Financial Services · Financial - Credit Services
Profile
Capital One Financial Corporation
- Exchange
- NYSE
- Ticker
- COF
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Country
- US
Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company. It oversees essential subsidiaries such as Capital One Bank (USA), National Association, and Capital One, National Association, which collectively offer a broad spectrum of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its extensive operations into three core divisions: Credit Card, Consumer Banking, and Commercial Banking. Clients can utilize various deposit instruments, including checking accounts, money market accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, and time deposits. Capital One's lending solutions are equally comprehensive, encompassing credit card financing, personal auto and retail banking loans, as well as significant commercial and multifamily real estate loans, and broader commercial and industrial credit facilities. Furthermore, the corporation provides credit and debit card issuance, robust online direct banking capabilities, and specialized treasury management and custodial services. Capital One serves a diverse clientele that includes individual consumers, small enterprises, and large commercial entities. It reaches these customers through a multi-channel approach, leveraging digital platforms, traditional physical branches, innovative café locations, and other distribution points, particularly within key states like New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Established in 1988, Capital One Financial Corporation maintains its primary executive offices in McLean, Virginia.
Key facts
Capital One Financial Corporation: key facts
- Capital One Financial Corporation (NYSE: COF) is a Financial - Credit Services company in the Financial Services sector.
- In fiscal 2025, Capital One Financial Corporation reported revenue of $69.3B and net income of $2.5B.
- Revenue grew 21.3% a year over the last 4 fiscal years.
- Free cash flow was positive in 5 of the last 5 fiscal years.
- Net income was positive in 5 of the last 5 fiscal years.
- Over the last twelve months, revenue was $79.1B and net income was $10.9B.
MonkScore
Capital One Financial Corporation's MonkScore
MonkScore
MonkScore range: 70–80
as of October 2026
Sector rank: 232 of 850 in Financial Services
How this score is madeDisclaimer
Pillar ranges
- Growth70–80
- Profitability70–80
- Quality80–90
- Market Conviction20–30
- Safety70–80
The MonkScore runs from 0 to 100. Each range is one of ten 10-point groups, from 0–10 to 90–100.
Each pillar's range uses the same ten groups. The exact score and the pillar scores are in the MonkStreet app.
Fundamentals
Figures from the statements
Capital One Financial Corporation's annual figures and the last twelve months, in USD. Last report: 30 September 2026.
| Figure | Last 12 months | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Revenue | $79.1B | $69.3B | $53.9B | $49.5B | $38.4B | $32.0B |
| Gross profit | $52.7B | $32.8B | $27.4B | $26.4B | $28.4B | $32.4B |
| Operating income | $16.7B | $2.3B | $5.9B | $6.0B | $9.2B | $15.8B |
| Net income | $10.9B | $2.5B | $4.8B | $4.9B | $7.4B | $12.4B |
| Operating cash flow | $31.5B | $27.7B | $18.2B | $20.6B | $13.8B | $12.3B |
| Capital expenditure | $747.0M | -$1.6B | -$1.2B | -$961.0M | -$934.0M | -$698.0M |
| Free cash flow | $32.2B | $26.1B | $17.0B | $19.6B | $12.9B | $11.6B |
| Total debt | $49.8B | $51.0B | $45.6B | $49.9B | $48.7B | $43.1B |
| Cash | $48.9B | $57.4B | $43.2B | $43.3B | $30.9B | $21.7B |
Revenue growth a year
- 1-year
- 28.4%
- 3-year
- 21.7%
- 4-year
- 21.3%
Compound growth between fiscal years.
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Page built on 31 October 2026.