CAPITAL ONE FINANCIAL CORP

Compare with AXP

COFCIK 000092762819 fiscal yearsBank lens ↓

RevenueFY2025

$53.43B36.6%

Net incomeFY2025

$2.45B48.4%

Free cash flowFY2025

$26.14B54.2%

Diluted EPSFY2025

$4.0365.2%

Trends

FY2009–FY2025 · hover a year for its filing

Revenue & net incomeRevenueNet income

revenue 4.1× since FY2009 · net margin 6.8% → 4.6%

MarginsNet marginFCF margin

FY2025: net 4.6% · free cash flow 48.9% of revenue

Cash flowOperating cash flowFree cash flow

FY2025: $27.72B operating cash − $1.58B capex = $26.14B free cash flow

Returns on capitalReturn on equityReturn on assets

return on equity -0% (FY2008) → 2% (FY2025) · on assets 0.4%

Balance sheetLiabilitiesEquity

FY2025: $669.01B assets · $555.39B liabilities · $113.62B equity

Financial statements

Annual Quarterly

USD millions, except per-share values; share counts in millions. Hover a value for its XBRL tag and filing accession.

USD millions	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014
Revenue	53,434	39,112	36,787	34,250	30,435	28,523	28,593	28,076	27,237	25,501	23,413	22,290
Net income	2,453	4,750	4,887	7,360	12,390	2,714	5,546	6,015	1,982	3,751	4,050	4,428
Diluted EPS	4.03	11.59	11.95	17.91	26.94	5.18	11.05	11.82	3.49	6.89	7.07	7.59
Diluted shares	541	384	383	393	444	459	470	483	489	510	548	572
Operating cash flow	27,718	18,159	20,575	13,809	12,310	16,699	16,639	12,978	14,182	11,856	10,127	9,304
Capital expenditures	1,578	1,204	961	934	698	710	887	874	1,018	779	532	502
Free cash flow	26,140	16,955	19,614	12,875	11,612	15,989	15,752	12,104	13,164	11,077	9,595	8,802
Cash & equivalents	62,093	43,671	43,755	31,256	22,054	40,771	13,749	13,489	14,352	12,493	—	—
Total assets	669,009	490,144	478,464	455,249	432,381	421,602	390,365	372,538	365,693	357,033	334,048	308,167
Total liabilities	555,393	429,360	420,375	402,667	371,352	361,398	332,354	320,870	316,963	309,519	286,764	263,114
Shareholders' equity	113,616	60,784	58,089	52,582	61,029	60,204	58,011	51,668	48,730	47,514	47,284	45,053

As reported in SEC filings; a missing tag shows “—”, never zero. Free cash flow is operating cash flow − capex. Methodology

Bank lens

Metrics specific to banks. Annual figures, in USD millions; ratios in percent.

USD millions	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014
Interest income	58,696	46,034	41,938	31,237	25,769	26,033	28,513	27,176	25,222	22,891	20,459	19,397
Interest expense	—	—	12,697	4,123	1,598	3,120	5,173	4,301	2,762	2,018	1,625	1,579
Net interest income	42,878	31,208	29,241	27,114	24,171	22,913	23,340	22,875	22,460	20,873	18,834	17,818
Noninterest income	10,556	7,904	7,546	7,136	6,264	5,610	5,253	5,201	4,777	4,628	4,579	4,472
Noninterest expense	30,498	21,486	20,316	19,163	16,570	15,056	15,483	14,902	14,194	13,558	12,996	12,180
Provision for credit losses	—	—	—	—	—	—	6,236	5,856	7,551	6,459	4,536	3,541
Efficiency ratio	57.1%	54.9%	55.2%	56.0%	54.4%	52.8%	54.1%	53.1%	52.1%	53.2%	55.5%	54.6%

Net interest income uses the reported InterestIncomeExpenseNet tag, falling back to interest income − interest expense where a filing didn't tag it (hover a value to see which). Other rows are as reported. The efficiency ratio, noninterest expense ÷ (net interest income + noninterest income), is computed by stonks for full fiscal years only.