Capital One (COF): financials, SEC filings and peers
Capital One (COF) is a consumer finance company in the Financials sector of the S&P 500, headquartered in Tysons Corner, Virginia.
It was founded in 1994 and joined the S&P 500 on July 1, 1998.
Its fiscal year ends in December, and its shares trade on the NYSE.
In its SEC filings it is classified as “National Commercial Banks”.
Capital One at a glance
- Revenue (12 months)
- $62.0B
- Revenue growth
- +45.3%
- Operating margin
- 21.0%
- Net income (12 months)
- $10.5B
- Free cash flow (12 months)
- $29.7B
- Cash
- $55.9B
- Debt
- $45.4B
- Diluted EPS (12 months)
- $16.70
Twelve months to June 30, 2026, from the 10-Q filed July 28, 2026.
Latest twelve months
Over the twelve months to June 30, 2026, Capital One reported revenue of $62.0 billion, up a strong 45.3% from $42.7 billion a year earlier.
Its operating margin was 21.0%, up 22.2 percentage points from a year earlier: for every $100 of sales, about $21 was left as operating profit.
Net income was $10.5 billion (17.0% of revenue).
Operating cash flow was $31.5 billion and capital spending $1.8 billion, leaving free cash flow of $29.7 billion (47.9% of revenue).
At the end of the period it held $55.9 billion in cash and $45.4 billion in debt, a net cash position of $10.5 billion.
The diluted share count rose 22.8% in a year, which dilutes existing shareholders.
Five-year trend
- Revenue went from $28.5 billion in fiscal 2020 to $53.4 billion in fiscal 2025, about 13.4% a year.
- Revenue has grown for 5 fiscal years in a row.
- Free cash flow was positive in each of the last 6 fiscal years.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $30.4B | $34.3B | $36.8B | $39.1B | $53.4B |
| Revenue growth | 6.7% | 12.5% | 7.4% | 6.3% | 36.6% |
| Operating margin | — | — | — | — | — |
| Net income | $12.4B | $7.4B | $4.9B | $4.8B | $2.5B |
| Free cash flow | $11.6B | $12.9B | $19.6B | $17.0B | $26.1B |
| Diluted EPS | $26.94 | $17.91 | $11.95 | $11.59 | $4.03 |
Fiscal years as reported in Capital One’s 10-K filings. Free cash flow is operating cash flow minus capital spending.
Recent SEC filings
- 8-K filed September 15, 2026 — Other event
- 8-K filed September 15, 2026 — Regulation FD disclosure
- 8-K filed September 15, 2026 — Regulation FD disclosure
- 8-K filed September 1, 2026 — Bylaw or fiscal-year change
- 8-K filed August 20, 2026 — Other event
- 8-K filed August 17, 2026 — Regulation FD disclosure
- 10-Q filed July 28, 2026 — quarterly report
- 8-K filed July 21, 2026 — Regulation FD disclosure
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Questions about Capital One
Is Capital One's revenue growing?
Yes. Revenue for the twelve months to June 30, 2026 was $62.0 billion, up 45.3% from a year earlier, according to its SEC filings.
Is Capital One profitable?
Yes. It earned $10.5 billion in net income over the twelve months to June 30, 2026, a net margin of 17.0%.
Does Capital One have more cash or more debt?
At June 30, 2026 it had $55.9 billion in cash and $45.4 billion in debt, so more cash than debt.
When did Capital One last file financial results?
Its latest quarterly report (10-Q) was filed with the SEC on July 28, 2026.
Which companies are similar to Capital One?
In the S&P 500, Capital One is grouped in Consumer Finance within the Financials sector. American Express (AXP), Synchrony Financial (SYF) are in the same group.
Understand the numbers
Source: Capital One’s filings with the U.S. Securities and Exchange Commission (EDGAR), retrieved September 27, 2026. Figures are as reported by the company and may be restated. This page is for information only and is not financial advice.