Capital One

Financials Consumer Finance Tysons Corner, Virginia Last filing Feb 19, 2026 · FY2025

                    Revenue
                    FY2025
                
$58.7B
                    3y CAGR +23.4%
                    
                    P76
                    
                    +27.5%
                    
                    Net income
                    FY2025
                
$2.5B
                    Net margin +4.2%
                    
                    P5
                    
                    -48.4%
                    
                    Total assets
                    FY2025
                
$669.0B
                    ROA +0.4%
                    
                    P4
                    
                    +36.5%
                    
                    Operating cash flow
                    FY2025
                
$27.7B
                    FCF margin +44.5%
                    
                    P74
                    
                    +52.6%

19 yrs · FY2007–FY2025 8 filed · 0 derived · 1 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

20 accounts · 10 years

Total assets $669.0B

Total liabilities $555.4B

Shareholders equity $113.6B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	8.6%	8.8%	9.0%	6.8%	5.0%	9.6%	3.4%	3.5%	3.8%	2.8%
Investment Securities	13.6%	16.9%	16.5%	16.9%	22.0%	23.8%	20.3%	44.5%	36.4%	18.6%
Loans net	67.8%	66.9%	67.0%	68.6%	64.1%	59.7%	68.1%	64.1%	67.5%	67.0%
Property,Plant and Equipment	0.8%	0.9%	0.9%	1.0%	1.0%	1.0%	1.1%	1.1%	1.1%	1.0%
Goodwill	4.3%	3.1%	3.1%	3.2%	3.4%	3.5%	3.8%	3.9%	4.0%	4.1%
Other Assets	4.9%	3.4%	3.4%	3.5%	4.4%	2.4%	3.3%	5.1%	5.3%	6.5%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Deposits	71.1%	74.0%	72.8%	73.1%	71.9%	72.4%	67.3%	67.0%	66.6%	66.3%
Short Term Borrowings	0.3%	0.1%	0.1%	0.2%	0.2%	0.2%	1.9%	2.6%	2.6%	5.1%
Long Term Debt	5.4%	6.3%	6.5%	6.8%	6.3%	6.5%	7.8%	8.3%	8.4%	6.6%
Other Liabilities	6.2%	7.2%	8.4%	8.3%	7.5%	6.6%	8.1%	8.2%	9.0%	8.7%
Total Liabilities	83.0%	87.6%	87.9%	88.4%	85.9%	85.7%	85.1%	86.1%	86.7%	86.7%
Equity
Total Stockholders Equity	17.0%	12.4%	12.1%	11.6%	14.1%	14.3%	14.9%	13.9%	13.3%	13.3%
Common Stock	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Retained Earnings	9.7%	13.2%	12.7%	12.6%	11.8%	9.5%	10.3%	9.6%	8.4%	8.3%
Accumulated Other Comprehensive Income	-0.8%	-1.9%	-1.7%	-2.2%	0.1%	0.8%	0.3%	-0.3%	-0.3%	-0.3%
Preferred Stock	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Additional Paid In Capital	9.6%	7.4%	7.4%	7.6%	7.9%	7.9%	8.4%	8.6%	8.7%	8.7%
Treasury Stock	1.5%	6.3%	6.3%	6.5%	5.7%	4.0%	4.2%	4.0%	3.5%	3.5%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

10 accounts · 10 years

Revenue $58.7B

Operating income Not reported

Net income $2.5B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Interest Income Total Interest Income	8.8%	9.4%	8.8%	6.9%	6.0%	6.2%	7.3%	7.3%	6.9%	6.4%
Interest Expense Interest Expense	2.4%	3.0%	2.7%	0.9%	0.4%	0.7%	1.3%	1.2%	0.8%	0.6%
net Interest Income net Interest Income	6.4%	6.4%	6.1%	6.0%	5.6%	5.4%	6.0%	6.1%	6.1%	5.8%
Noninterest Income Total Noninterest Income	1.6%	1.6%	1.6%	1.6%	1.4%	1.3%	1.3%	1.4%	1.3%	1.3%
Expenses Noninterest Expense	4.6%	4.4%	4.2%	4.2%	3.8%	3.6%	4.0%	4.0%	3.9%	3.8%
Income Tax Income Tax Expense	0.0%	0.2%	0.2%	0.4%	0.8%	0.1%	0.3%	0.3%	0.9%	0.5%
net Income Other Items Below Tax	-3.1%	-2.5%	-2.2%	-1.4%	0.4%	-0.1%	-0.1%	-0.1%	-0.1%	-0.1%
net Income net Income	0.4%	1.0%	1.0%	1.6%	2.9%	0.6%	1.4%	1.6%	0.5%	1.1%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Cash Flow Statement

Operating, investing, and financing flows

13 accounts · 10 years

Operating cash flow $27.7B

Investing cash flow $-444.0M

Financing cash flow $-8.9B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Cash From Operating Activities	4.1%	3.7%	4.3%	3.0%	2.8%	4.0%	4.3%	3.5%	3.9%	3.3%
Operating Activities net Income	0.4%	1.0%	1.0%	1.6%	2.9%	0.6%	1.4%	1.6%	0.5%	1.1%
Operating Activities Depreciation and Amortization	0.8%	0.7%	0.7%	0.7%	0.8%	0.8%	0.9%	0.6%	0.7%	—
Operating Activities Stock Based Compensation	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.1%	0.0%	0.1%	0.1%
Operating Activities Other Non Cash Items	2.9%	2.0%	2.5%	0.6%	-0.9%	2.4%	1.9%	1.2%	2.6%	1.5%
Investing Activities net Cash From Investing Activities	-0.1%	-5.4%	-4.6%	-6.5%	-7.3%	-3.5%	-5.9%	-4.2%	-4.2%	-7.2%
Investing Activities Capital Expenditures	-0.2%	-0.2%	-0.2%	-0.2%	-0.2%	-0.2%	-0.2%	-0.2%	-0.3%	-0.2%
Investing Activities Other Investing Activities	0.2%	-5.1%	-4.4%	-6.3%	-7.1%	-3.4%	-5.7%	-4.0%	-4.0%	-7.0%
Financing Activities net Cash From Financing Activities	-1.3%	1.7%	2.9%	5.5%	0.1%	6.0%	1.7%	0.5%	0.9%	4.8%
Financing Activities Dividends Paid	-0.3%	-0.2%	-0.2%	-0.3%	-0.3%	-0.2%	-0.3%	-0.3%	-0.3%	-0.3%
Financing Activities Repurchase of Common Stock	-0.6%	-0.1%	-0.2%	-1.1%	-1.8%	-0.1%	-0.4%	-0.6%	-0.1%	-1.0%
Financing Activities Other Financing Activities	-0.4%	2.1%	3.3%	6.9%	2.2%	6.2%	2.3%	1.4%	1.2%	6.1%
Cash Reconciliation net Change In Cash	2.8%	-0.0%	2.6%	2.0%	-4.3%	6.4%	0.1%	-0.2%	0.5%	1.0%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Net margin	+4.2%	+10.3%	+11.7%	+23.6%	+48.1%	+10.4%	+19.5%	+22.1%	+7.9%	+16.4%
FCF margin	+44.5%	+36.8%	+46.8%	+41.2%	+45.1%	+61.4%	+55.2%	+44.5%	+52.2%	+48.4%
Growth
Revenue CAGR (3y)	+23.4%	+21.3%	+17.2%	+3.1%	-1.8%	+1.1%	+7.6%	+9.9%	+9.1%	+4.8%
Returns
ROE	+2.2%	+7.8%	+8.4%	+14.0%	+20.3%	+4.5%	+9.6%	+11.6%	+4.1%	+7.9%
ROA	+0.4%	+1.0%	+1.0%	+1.6%	+2.9%	+0.6%	+1.4%	+1.6%	+0.5%	+1.1%
ROIC	—	—	—	—	—	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—
Leverage
D/E	4.89x	7.06x	7.24x	7.66x	6.08x	6.00x	5.73x	6.21x	6.50x	6.51x
Interest coverage	—	—	—	—	—	—	—	—	—	—
Efficiency
Asset turnover	0.09x	0.09x	0.09x	0.07x	0.06x	0.06x	0.07x	0.07x	0.07x	0.06x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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Capital One

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