Fundamental analysis · SEC EDGAR · TTM through 30/06/2026
COF · NYSE · Financial
Fundamental quality
83
out of 100
Capital One Financial Corp grows profitably: it increases revenue at double digits (15.2% a year) without giving up profitability (net margin 17%). On fundamental quality it scores 83 out of 100, profiling it as a company with solid fundamentals. Its weakest area is its profitability (net margin 17%). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
Capital One is a bank heavily focused on credit cards and consumer lending, plus auto finance. It earns mostly from card interest and fees, which makes it more profitable but also more sensitive to bad loans.
EPS growth: 26.5% · Revenue growth: 15.2%
Net margin: 17% · ROE: 9.2%
FCF: 47.9%
Source: SEC EDGAR · TTM through 30/06/2026
The score combines growth, profitability and financial strength. Here its financial strength weighs in its favor, while its profitability drags it down the most.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Why isn't a bank measured like other companies? Read the how to analyze a bank guide.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 28,523 | 2,714 | 15,989 | -232 |
| 2021 | 30,435 | 12,390 | 11,612 | 21,032 |
| 2022 | 34,250 | 7,360 | 12,875 | 17,459 |
| 2023 | 36,787 | 4,887 | 19,614 | 6,101 |
| 2024 | 39,112 | 4,750 | 16,955 | 1,880 |
| 2025 | 53,434 | 2,453 | 26,140 | -11,093 |
Between 2020 and 2025, revenue went from $28,523M to $53,434M (+87%) and net income went from $2,714M to $2,453M (-10%). Meanwhile, its margins have narrowed (from 10% to 5%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the half-year ended June 30, 2026, versus the half-year ended June 30, 2025 (SEC filings):
Compared with the previous close (March 31, 2026), this is what moved in its accounts:
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
$1.6
per share, yearly
61.8% of earnings
Payout
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
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Is Capital One Financial Corp cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is Capital One Financial Corp a good company to invest in?
In terms of business quality, Capital One Financial Corp scores 83 out of 100 in our analysis, placing it as a company of high fundamental quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is Capital One Financial Corp a profitable company?
Yes. Capital One Financial Corp shows a net margin of 17% and an ROE of 9.2%, a sign of a profitable business.
Is Capital One Financial Corp growing?
Its revenue has grown 15.2% annualized in recent years and its earnings per share 26.5%, and without interruption since 2020.
Does Capital One Financial Corp generate cash?
Yes. It converts about 47.9% of its revenue into free cash flow, and has done so positively year after year.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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Who's behind the methodology and model · how the score is computed
Data: see Capital One Financial Corp's filings on EDGAR
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