Capital One

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

                    Revenue
                    FY2025
                
$58.7B
                    3y CAGR +23.4%
                    
                    P73
                    
                    +27.5%
                    
                    Net income
                    FY2025
                
$2.5B
                    Net margin +4.2%
                    
                    P2
                    
                    -48.4%
                    
                    Total assets
                    FY2025
                
$669.0B
                    ROA +0.4%
                    
                    P4
                    
                    +36.5%
                    
                    Operating cash flow
                    FY2025
                
$27.7B
                    FCF margin +44.5%
                    
                    P71
                    
                    +52.6%

19 yrs · FY2007–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Running CAGR since the earliest displayed year.

Balance Sheet

Assets, liabilities, and equity

19 accounts · 5 years

Total assets $669.0B

Total liabilities $555.4B

Shareholders equity $113.6B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	+29.5%	+25.6%	+40.9%	+41.7%	—
Property,Plant and Equipment	+7.4%	+2.3%	+1.9%	+3.3%	—
Goodwill	+17.8%	+0.6%	+1.0%	-0.0%	—
Intangible Assets	+249.6%	+28.0%	+67.1%	+43.2%	—
Other Noncurrent Assets	+7.7%	+9.1%	+10.1%	+16.4%	—
Total Assets	+11.5%	+4.3%	+5.2%	+5.3%	—
Liabilities
Current Portion of Long Term Debt	+7.3%	-11.8%	-19.0%	+7.7%	—
Other Current Liabilities	+13.1%	+6.3%	+12.3%	+20.2%	—
Total Current Liabilities	+10.6%	+5.0%	+6.4%	+8.4%	—
Other Noncurrent Liabilities	+13.1%	+6.3%	+12.3%	+20.2%	—
Total Liabilities	+10.6%	+5.0%	+6.4%	+8.4%	—
Equity
Preferred Stock	—	—	—	—	—
Common Stock	+0.0%	+0.0%	+0.0%	+0.0%	—
Additional Paid In Capital	+17.0%	+2.2%	+2.1%	+1.8%	—
Retained Earnings	+6.3%	+8.1%	+9.3%	+12.1%	—
Treasury Stock	-19.8%	+8.1%	+11.0%	+20.2%	—
Accumulated Other Comprehensive Income	—	—	—	—	—
Total Stockholders Equity	+16.8%	-0.1%	-2.4%	-13.8%	—
Total Liabilitiesand Equity	+11.5%	+4.3%	+5.2%	+5.3%	—

Income Statement

Revenue, expense, and profitability

14 accounts · 5 years

Revenue $58.7B

Operating income $2.1B

Net income $2.5B

Account	2025	2024	2023	2022	2021
IncomeStatement
Revenues Total Revenue	+22.9%	+21.3%	+27.6%	+21.2%	—
Expenses Depreciation and Amortization	+10.9%	-2.4%	-3.7%	-7.8%	—
Expenses Share Based Compensation	+23.7%	+19.8%	+24.5%	-5.1%	—
Other Income Expense Operating Income	-35.9%	-27.4%	-37.2%	-40.6%	—
Other Income Expense Interest Income	+22.9%	+21.3%	+27.6%	+21.2%	—
Other Income Expense Other Income/expense	—	—	—	—	—
Other Income Expense Income Before Tax	-38.4%	-28.0%	-38.2%	-41.6%	—
Income Tax Income Tax Expense	-51.2%	-30.2%	-41.8%	-44.9%	—
net Income net Income	-33.3%	-27.4%	-37.2%	-40.6%	—
net Income Comprehensive Income	-9.3%	-26.2%	-16.0%	—	—
Earnings Per Share Basic Eps	-37.9%	-24.6%	-33.4%	-33.5%	—
Earnings Per Share Diluted Eps	-37.8%	-24.5%	-33.4%	-33.5%	—
Earnings Per Share Weighted Average Shares Basic	+5.1%	-4.7%	-7.0%	-11.5%	—
Earnings Per Share Weighted Average Shares Diluted	+5.1%	-4.8%	-7.1%	-11.5%	—

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 5 years

Operating cash flow $27.7B

Investing cash flow $-444.0M

Financing cash flow $-8.9B

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Income	-33.3%	-27.4%	-37.2%	-40.6%	—
Operating Activities Depreciation and Amortization	+10.9%	-2.4%	-3.7%	-7.8%	—
Operating Activities Stock Based Compensation	+23.7%	+19.8%	+24.5%	-5.1%	—
Operating Activities Deferred Income Taxes	—	—	—	—	—
Operating Activities Changes In Operating Assets and Liabilities	+7.0%	—	+7.6%	-67.9%	—
Operating Activities Other Non Cash Items	+7.0%	—	+7.6%	-67.9%	—
Operating Activities net Cash From Operating Activities	+22.5%	+13.8%	+29.3%	+12.2%	—
Investing Activities Capital Expenditures	+22.6%	+19.9%	+17.3%	+33.8%	—
Investing Activities Business Acquisitions	—	—	+104.0%	+75.8%	—
Investing Activities Purchases of Investments	-10.2%	-14.9%	-38.8%	-46.7%	—
Investing Activities Proceeds From Sale of Investments	-9.7%	-24.0%	-42.7%	-29.3%	—
Investing Activities Other Investing Activities	+28.5%	+34.3%	+40.8%	-6.0%	—
Investing Activities net Cash From Investing Activities	—	—	—	—	—
Financing Activities Repurchase of Common Stock	-14.3%	-54.1%	-69.3%	-34.9%	—
Financing Activities Dividends Paid	+7.2%	-6.7%	-9.9%	-17.2%	—
Financing Activities Proceeds From Stock Issuance	-36.4%	-58.3%	-57.4%	-65.5%	—
Financing Activities net Cash From Financing Activities	—	+158.3%	+440.4%	+5201.9%	—
Cash Reconciliation Effect of Exchange Rate On Cash	+29.5%	+25.6%	+40.9%	+41.7%	—
Cash Reconciliation net Change In Cash	—	—	—	—	—
Cash Reconciliation Cash At Beginning of Period	+29.5%	+25.6%	+40.9%	+41.7%	—
Cash Reconciliation Cash At End of Period	+29.5%	+25.6%	+40.9%	+41.7%	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	+3.6%	+10.3%	+11.7%	+23.6%	+48.1%
Net margin	+4.2%	+10.3%	+11.7%	+23.6%	+48.1%
FCF margin	+44.5%	+36.8%	+46.8%	+41.2%	+45.1%
Growth
Revenue CAGR (3y)	+23.4%	+21.3%	+17.2%	+3.1%	-1.8%
Returns
ROE	+2.2%	+7.8%	+8.4%	+14.0%	+20.3%
ROA	+0.4%	+1.0%	+1.0%	+1.6%	+2.9%
ROIC	+3.6%	+21.6%	+26.6%	+26.4%	+24.4%
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	4.89x	7.06x	7.24x	7.66x	6.08x
Interest coverage	—	—	0.38x	1.79x	7.76x
Efficiency
Asset turnover	0.09x	0.09x	0.09x	0.07x	0.06x
Cash conversion cycle	—	—	—	—	—

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FY2025 fundamentals · no price

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Capital One

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