Capital One is a U.S. bank that earns most of its revenue from credit cards, which it issues directly to consumers and small businesses. It also originates auto loans and does commercial lending. Following its 2025 acquisition of Discover, it gained a payment network and a small personal loan book. The company makes money primarily through interest charged on outstanding balances and, to a lesser extent, interchange fees and other card-related charges.
Employees77,100IPONov 16, 1994SIC6153HQ1680 Capital One Drive, McLean, VA, USA, 22102
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Financials
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
—
Net Margin
17.0%
OCF Margin
50.8%
FCF Margin
48.0%
Returns on Capital
ROE
9.3%
ROA
1.6%
ROIC
—
ROCE
0.0%
ROC (Greenblatt)
0.0%
3Y ROIIC
0.0%
Consistency
Years Profitable / 10Y
10
Valuation
Metric
Current
Earnings Multiples
P/E (TTM)
12.49
Forward P/E
9.90
P/E ex-NRI
10.06
Shiller P/E (CAPE)
14.88
Cash Flow Multiples
P/FCF
4.26
P/OCF
4.03
P/Owner Earnings
7.78
FCF Yield
24.00%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
—
EV / EBITDA
—
EV / Forward EBITDA
—
EV / Revenue
1.86
EV / Forward Revenue
2.52
Asset / Sales
P/S
2.03
P/B
1.09
P/Tangible Book
1.88
Growth-Adjusted
PEG
1.74
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
1.49%
Forward Dividend Yield
1.59%
3Y Dividend Growth
2.7%
Payout Ratio
0.15
5Y Yield on Cost
2.82%
Buybacks & Dilution
3Y Buyback Ratio
−17.90%
5Y Share Change
17.9%
Combined
Shareholder Yield
6.49%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
0.39
Gross Debt / EBITDA
—
Cash / Debt
1.23
Equity / Assets
0.17
Coverage
Interest Coverage
—
Short-Term Liquidity
Current Ratio
0.00
Quick Ratio
0.00
Cash Ratio
0.00
Composite Scores
Piotroski F-Score
8
Altman Z-Score
—
Split History
Date
Split
1999-06-02
3:1
Ex-date
Amount
Pay date
2026-05-19
$0.8
2026-06-01
2026-02-19
$0.8
2026-03-02
2025-11-17
$0.8
2025-12-01
2025-08-15
$0.6
2025-09-02
2025-05-23
$0.6
2025-06-05
2025-02-18
$0.6
2025-03-03
2024-11-14
$0.6
2024-11-22
2024-08-12
$0.6
2024-08-23
2024-05-10
$0.6
2024-05-24
2024-02-09
$0.6
2024-02-23
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View allDate
Transcript
Type
2026-07-21
Q2 2026 Capital One Financial Corp Earnings Call Transcript
Earnings Call
2026-06-09
Capital One Financial Corp at Morgan Stanley US Financials Conference Transcript
Conference Presentations
2026-04-21
Q1 2026 Capital One Financial Corp Earnings Call Transcript
Earnings Call
2026-02-10
Capital One Financial Corp at UBS Financial Services Conference Transcript
Conference Presentations
2026-01-22
Q4 2025 Capital One Financial Corp Earnings Call Transcript
Earnings Call
2025-10-21
Q3 2025 Capital One Financial Corp Earnings Call Transcript
Earnings Call
2025-07-22
Q2 2025 Capital One Financial Corp Earnings Call Transcript
Earnings Call
2025-04-22
Q1 2025 Capital One Financial Corp Earnings Call Transcript
Earnings Call
2025-01-21
Q4 2024 Capital One Financial Corp Earnings Call Transcript
Earnings Call
2024-10-24
Q3 2024 Capital One Financial Corp Earnings Call Transcript
Earnings Call
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5-Step DuPont Analysis
ROE %
9.36%
×
×
Net Margin %
16.98%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
$61.94B
×
Tax Burden
0.8094
Net Income
$10.52B
÷
Pretax Income
$13.00B
×
Interest Burden
—
Pretax Income
$13.00B
÷
Operating Income
—
×
Asset Turnover
0.09
÷
Revenue
$61.94B
÷
Average Total Assets
$666.40B
Begin Total Assets
$658.97B
End Total Assets
$673.84B
×
Equity Multiplier
5.93
÷
Avg Total Assets
$666.40B
÷
Avg Stockholders Equity
$112.37B
Begin Equity
$110.96B
End Equity
$113.79B
Top institutional holders
Q2 2026| Holder | Shares | % Owned | Chg. shares | |
|---|---|---|---|---|
| BlackRock, Inc. | 51.1M | 8.21% | +236.6K | $10.24B |
| VANGUARD CAPITAL MANAGEMENT LLC | 40.6M | 6.54% | +136.5K | $8.15B |
| STATE STREET CORP | 27.8M | 4.47% | +243.4K | $5.58B |
| JPMORGAN CHASE & CO | 17.8M | 2.86% | +430.0K | $3.60B |
| GEODE CAPITAL MANAGEMENT, LLC | 14.4M | 2.31% | +66.7K | $2.88B |
| FRANKLIN RESOURCES INC | 13.4M | 2.16% | -288.3K | $2.70B |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 12.8M | 2.06% | +921.8K | $2.57B |
| HARRIS ASSOCIATES L P | 11.5M | 1.85% | +1.1M | $2.31B |
| FMR LLC | 11.1M | 1.79% | -1.4M | $2.23B |
| NORGES BANK | 10.0M | 1.60% | new | $2.00B |
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View allTop insider holdings
as reported| Insider | Shares held | % Owned | |
|---|---|---|---|
| FAIRBANK RICHARD DOfficer | 4.1M | 0.6542% | $820.78M |
| Sanjiv YajnikOfficer | 149.4K | 0.0240% | $30.14M |
| Cooper Matthew WOfficer | 79.7K | 0.0128% | $16.08M |
| Alexander Robert M.Officer | 77.3K | 0.0124% | $15.59M |
| LaPrade,III Frank G.Officer | 69.3K | 0.0111% | $13.98M |
| SHATTUCK MAYO A IIIDirector | 67.9K | 0.0109% | $13.70M |
| MAHERAS THOMAS GDirector | 66.4K | 0.0107% | $13.40M |
| Dean LiaOfficer | 61.2K | 0.0098% | $12.35M |
| Young Andrew MOfficer | 59.2K | 0.0095% | $11.94M |
| Karam CeliaOfficer | 57.7K | 0.0093% | $11.64M |
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View allRecent insider activity
through Oct 6, 2026| Insider | Action | Shares | Date | |
|---|---|---|---|---|
| Cooper Matthew WOfficer | Open-Market or Private Sale | -3.5K | $686.8K | Oct 6, 2026 |
| Karam CeliaOfficer | Open-Market or Private Sale | -2.0K | $415.6K | Sep 15, 2026 |
| Dean LiaOfficer | Open-Market or Private Sale | -2.1K | $425.7K | Sep 15, 2026 |
| Cooper Matthew WOfficer | Open-Market or Private Sale | -3.5K | $749.4K | Sep 1, 2026 |
| Karam CeliaOfficer | Open-Market or Private Sale | -1.9K | $425.6K | Aug 17, 2026 |
| Karam CeliaOfficer | Open-Market or Private Sale | -1 | $226 | Aug 17, 2026 |
| Dean LiaOfficer | Open-Market or Private Sale | -2.2K | $494.3K | Aug 17, 2026 |
| Dean LiaOfficer | Open-Market or Private Sale | -1 | $226 | Aug 17, 2026 |
| Mouadeb Mark DanielOfficer | Open-Market or Private Sale | -1.2K | $269.8K | Aug 13, 2026 |
| Zamsky MichaelOfficer | Open-Market or Private Sale | -5.5K | $1.19M | Aug 10, 2026 |
10 of 19,073
View all