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

Balance Sheet

Assets, liabilities, and equity

19 accounts · 3 years

Total assets $669.0B

Total liabilities $555.4B

Shareholders equity $113.6B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	$62.1B 42.2%	$43.7B -0.2%	$43.8B
Property,Plant and Equipment	$5.6B 24.2%	$4.5B 3.1%	$4.4B
Goodwill	$28.5B 89.3%	$15.1B 0.0%	$15.1B
Intangible Assets	$16.6B 7015.0%	$233.0M -24.8%	$310.0M
Other Noncurrent Assets	$30.7B 3.6%	$29.6B 7.2%	$27.6B
Total Assets	$669.0B 36.5%	$490.1B 2.4%	$478.5B
Liabilities
Current Portion of Long Term Debt	$1.1B 93.4%	$562.0M 4.5%	$538.0M
Other Current Liabilities	$27.8B 35.9%	$20.4B -4.8%	$21.5B
Total Current Liabilities	$555.4B 29.4%	$429.4B 2.1%	$420.4B
Other Noncurrent Liabilities	$27.8B 35.9%	$20.4B -4.8%	$21.5B
Total Liabilities	$555.4B 29.4%	$429.4B 2.1%	$420.4B
Equity
Preferred Stock	$0	$0	$0
Common Stock	$7.0M 0.0%	$7.0M 0.0%	$7.0M
Additional Paid In Capital	$64.0B 75.8%	$36.4B 2.5%	$35.5B
Retained Earnings	$65.2B 1.1%	$64.5B 5.8%	$60.9B
Treasury Stock	$10.1B -67.1%	$30.9B 2.4%	$30.1B
Accumulated Other Comprehensive Income	$-5.5B 41.1%	$-9.3B -12.3%	$-8.3B
Total Stockholders Equity	$113.6B 86.9%	$60.8B 4.6%	$58.1B
Total Liabilitiesand Equity	$669.0B 36.5%	$490.1B 2.4%	$478.5B

Income Statement

Revenue, expense, and profitability

14 accounts · 3 years

Revenue $58.7B

Operating income $2.1B

Net income $2.5B

Account	2025	2024	2023
IncomeStatement
Revenues Total Revenue	$58.7B 27.5%	$46.0B 9.8%	$41.9B
Expenses Depreciation and Amortization	$5.3B 62.5%	$3.2B 0.3%	$3.2B
Expenses Share Based Compensation	$776.0M 36.4%	$569.0M 10.9%	$513.0M
Other Income Expense Operating Income	$2.1B -56.0%	$4.7B -2.9%	$4.9B
Other Income Expense Interest Income	$58.7B 27.5%	$46.0B 9.8%	$41.9B
Other Income Expense Other Income/expense	$-111.0M -70.8%	$-65.0M -27.5%	$-51.0M
Other Income Expense Income Before Tax	$2.3B -61.4%	$5.9B -2.2%	$6.0B
Income Tax Income Tax Expense	$193.0M -83.4%	$1.2B 0.4%	$1.2B
net Income net Income	$2.5B -48.4%	$4.8B -2.8%	$4.9B
net Income Comprehensive Income	$6.3B 68.0%	$3.7B -42.9%	$6.5B
Earnings Per Share Basic Eps	$4 -65.3%	$12 -3.1%	$12
Earnings Per Share Diluted Eps	$4 -65.2%	$12 -3.0%	$12
Earnings Per Share Weighted Average Shares Basic	$540.7M 41.3%	$382.7M 0.1%	$382.4M
Earnings Per Share Weighted Average Shares Diluted	$541.3M 41.1%	$383.6M 0.1%	$383.4M

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 3 years

Operating cash flow $27.7B

Investing cash flow $-444.0M

Financing cash flow $-8.9B

Account	2025	2024	2023
CashFlow
Operating Activities net Income	$2.5B -48.4%	$4.8B -2.8%	$4.9B
Operating Activities Depreciation and Amortization	$5.3B 62.5%	$3.2B 0.3%	$3.2B
Operating Activities Stock Based Compensation	$776.0M 36.4%	$569.0M 10.9%	$513.0M
Operating Activities Deferred Income Taxes	$-1.9B -123.6%	$-853.0M -18.0%	$-723.0M
Operating Activities Changes In Operating Assets and Liabilities	$2.1B 289.2%	$-1.1B -159.8%	$1.8B
Operating Activities Other Non Cash Items	$2.1B 289.2%	$-1.1B -159.8%	$1.8B
Operating Activities net Cash From Operating Activities	$27.7B 52.6%	$18.2B -11.7%	$20.6B
Investing Activities Capital Expenditures	$1.6B 31.1%	$1.2B 25.3%	$961.0M
Investing Activities Business Acquisitions	$-16.5B	$0 -100.0%	$2.8B
Investing Activities Purchases of Investments	$18.2B 5.7%	$17.2B 64.5%	$10.4B
Investing Activities Proceeds From Sale of Investments	$17.9B 51.1%	$11.8B 34.0%	$8.8B
Investing Activities Other Investing Activities	$1.8B 12.6%	$1.6B 22.0%	$1.3B
Investing Activities net Cash From Investing Activities	$-444.0M 98.3%	$-26.4B -20.5%	$-21.9B
Financing Activities Repurchase of Common Stock	$4.1B 458.4%	$734.0M 2.2%	$718.0M
Financing Activities Dividends Paid	$1.5B 62.7%	$932.0M 0.1%	$931.0M
Financing Activities Proceeds From Stock Issuance	$9.0M 125.0%	$4.0M -60.0%	$10.0M
Financing Activities net Cash From Financing Activities	$-8.9B -208.4%	$8.2B -41.0%	$13.8B
Cash Reconciliation Effect of Exchange Rate On Cash	$62.1B 42.2%	$43.7B -0.2%	$43.8B
Cash Reconciliation net Change In Cash	$18.4B 22031.0%	$-84.0M -100.7%	$12.5B
Cash Reconciliation Cash At Beginning of Period	$62.1B 42.2%	$43.7B -0.2%	$43.8B
Cash Reconciliation Cash At End of Period	$62.1B 42.2%	$43.7B -0.2%	$43.8B

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	—	—	—
Operating margin	+3.6%	+10.3%	+11.7%
Net margin	+4.2%	+10.3%	+11.7%
FCF margin	+44.5%	+36.8%	+46.8%
Growth
Revenue CAGR (3y)	+23.4%	+21.3%	+17.2%
Returns
ROE	+2.2%	+7.8%	+8.4%
ROA	+0.4%	+1.0%	+1.0%
ROIC	+3.6%	+21.6%	+26.6%
Liquidity
Current ratio	—	—	—
Quick ratio	—	—	—
Leverage
D/E	4.89x	7.06x	7.24x
Interest coverage	—	—	0.38x
Efficiency
Asset turnover	0.09x	0.09x	0.09x
Cash conversion cycle	—	—	—

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FY2025 fundamentals · no price

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Capital One

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