Capital One Financial Corporation (COF)

Capital One Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Revenue	100,068	93,050	86,271	72,623	62,468	60,166
Revenue Growth (YoY)	11.07%	7.86%	18.79%	16.26%	3.83%	-3.52%
Cost of Revenue	14,641	14,826	12,697	4,123	1,598	3,120
Gross Profit	85,427	78,224	73,574	68,500	60,870	57,046
Selling, General & Admin	21,603	19,398	18,122	17,678	14,997	13,060
Depreciation & Amortization Expenses	326	77	82	70	29	60
Other Operating Expenses	2,367	2,011	2,112	1,415	1,544	1,936
Total Operating Expenses	24,296	21,486	20,316	19,163	16,570	15,056
Operating Income	61,131	56,738	53,258	49,337	44,300	41,990
Interest Income	48,823	46,034	41,938	31,237	25,769	26,033
Interest Expense	-14,641	-14,826	-12,697	-4,123	-1,598	-3,120
Other Non-Operating Income (Expense)	-	-35	-34	-9	2	-
Total Non-Operating Income (Expense)	34,182	31,173	29,207	27,105	24,173	22,913
Pretax Income	-523	5,910	6,045	9,240	15,809	3,203
Provision for Income Taxes	-534	1,163	1,158	1,880	3,415	486
Net Income	-301	4,445	4,582	7,044	11,965	2,375
Minority Interest in Earnings	-	-77	-77	-88	-105	-20
Net Income Attributable to Preferred Dividends	-	-228	-228	-228	-320	-319
Earnings From Discontinued Operations	-	3	0	0	-4	-3
Net Income to Common	-301	4,445	4,582	7,044	11,965	2,375
Net Income Growth	-	-2.99%	-34.95%	-41.13%	403.79%	-54.26%
Shares Outstanding (Basic)	348	383	382	392	300	458
Shares Outstanding (Diluted)	348	384	383	393	300	459
Shares Change (YoY)	9.81%	0.05%	-2.49%	31.07%	-34.63%	-2.34%
EPS (Basic)	3.31	11.61	11.98	17.98	17.64	5.19
EPS (Diluted)	3.30	11.59	11.95	17.91	17.63	5.18
EPS Growth	-59.61%	-3.01%	-33.28%	1.59%	240.35%	-53.12%
Free Cash Flow	18,224	16,955	19,614	12,875	11,612	15,989
Free Cash Flow Growth	7.49%	-13.56%	52.34%	10.88%	-27.38%	1.50%
Free Cash Flow Per Share	52.38	44.20	51.16	32.74	38.71	34.84
Dividends Per Share	2.400	2.400	2.400	2.400	2.000	1.000
Dividend Growth	-	-	-	20.00%	100.00%	-37.50%
Gross Margin	85.37%	84.07%	85.28%	94.32%	97.44%	94.81%
Operating Margin	61.09%	60.98%	61.73%	67.94%	70.92%	69.79%
Profit Margin	0.01%	10.21%	11.33%	20.27%	39.67%	9.03%
FCF Margin	18.21%	18.22%	22.74%	17.73%	18.59%	26.57%
EBITDA	64,574	59,975	56,484	52,547	47,781	45,491
EBITDA Margin	64.53%	64.45%	65.47%	72.36%	76.49%	75.61%
EBIT	61,131	56,738	53,258	49,337	44,300	41,990
EBIT Margin	61.09%	60.98%	61.73%	67.94%	70.92%	69.79%
Effective Tax Rate	102.10%	19.68%	19.16%	20.35%	21.60%	15.17%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q