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 revenue.

Balance Sheet

Assets, liabilities, and equity

20 accounts · 3 years

Total assets $669.0B

Total liabilities $555.4B

Shareholders equity $113.6B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	97.8%	93.9%	103.2%
Investment Securities	155.1%	180.3%	188.7%
Loans net	772.8%	712.0%	764.2%
Property,Plant and Equipment	9.5%	9.8%	10.4%
Goodwill	48.6%	32.7%	35.9%
Other Assets	55.9%	36.0%	38.5%
Total Assets	1139.8%	1064.7%	1140.9%
Liabilities
Deposits	810.6%	787.9%	830.8%
Short Term Borrowings	3.7%	1.3%	1.3%
Long Term Debt	61.3%	66.7%	74.5%
Other Liabilities	70.7%	76.8%	95.7%
Total Liabilities	946.2%	932.7%	1002.4%
Equity
Total Stockholders Equity	193.6%	132.0%	138.5%
Common Stock	0.0%	0.0%	0.0%
Retained Earnings	111.1%	140.1%	145.3%
Accumulated Other Comprehensive Income	-9.3%	-20.2%	-19.7%
Preferred Stock	0.0%	0.0%	0.0%
Additional Paid In Capital	109.1%	79.1%	84.7%
Treasury Stock	17.3%	67.1%	71.9%
Total Liabilitiesand Equity	1139.8%	1064.7%	1140.9%

Income Statement

Revenue, expense, and profitability

10 accounts · 3 years

Revenue $58.7B

Operating income Not reported

Net income $2.5B

Account	2025	2024	2023
IncomeStatement
Interest Income Total Interest Income	100.0%	100.0%	100.0%
Interest Expense Interest Expense	26.9%	32.2%	30.3%
net Interest Income net Interest Income	73.1%	67.8%	69.7%
Noninterest Income Total Noninterest Income	18.0%	17.2%	18.0%
Expenses Noninterest Expense	52.0%	46.7%	48.4%
Income Tax Income Tax Expense	0.3%	2.5%	2.8%
net Income Other Items Below Tax	-35.0%	-26.1%	-25.6%
net Income net Income	4.2%	10.3%	11.7%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%

Cash Flow Statement

Operating, investing, and financing flows

13 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 Cash From Operating Activities	47.2%	39.4%	49.1%
Operating Activities net Income	4.2%	10.3%	11.7%
Operating Activities Depreciation and Amortization	9.0%	7.0%	7.7%
Operating Activities Stock Based Compensation	1.3%	1.2%	1.2%
Operating Activities Other Non Cash Items	32.8%	20.9%	28.5%
Investing Activities net Cash From Investing Activities	-0.8%	-57.4%	-52.3%
Investing Activities Capital Expenditures	-2.7%	-2.6%	-2.3%
Investing Activities Other Investing Activities	1.9%	-54.8%	-50.0%
Financing Activities net Cash From Financing Activities	-15.1%	17.7%	33.0%
Financing Activities Dividends Paid	-3.0%	-2.5%	-2.8%
Financing Activities Repurchase of Common Stock	-7.0%	-1.6%	-1.7%
Financing Activities Other Financing Activities	-5.1%	21.9%	37.5%
Cash Reconciliation net Change In Cash	31.4%	-0.2%	29.8%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	—	—	—
Operating margin	—	—	—
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	—	—	—
Liquidity
Current ratio	—	—	—
Quick ratio	—	—	—
Leverage
D/E	4.89x	7.06x	7.24x
Interest coverage	—	—	—
Efficiency
Asset turnover	0.09x	0.09x	0.09x
Cash conversion cycle	—	—	—

Valuation

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FY2025 fundamentals · no price

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Capital One

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