Capital One Financial Corporation (COF)
NYSE: COF · Real-Time Price · USD
212.41
+5.36 (2.59%)
At close: Jul 28, 2026, 4:00 PM EDT
211.00
-1.41 (-0.66%)
After-hours: Jul 28, 2026, 7:58 PM EDT
Capital One Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 3,223 | 2,453 | 4,750 | 4,887 | 7,360 | 12,390 |
Depreciation & Amortization | 5,958 | 5,260 | 3,237 | 3,226 | 3,210 | 3,481 |
Provision for Credit Losses | 22,354 | 20,655 | 11,716 | 10,426 | 5,847 | -1,944 |
Stock-Based Compensation | 730 | 776 | 569 | 513 | 314 | 331 |
Net Change in Loans Held-for-Sale | 624 | -510 | 182 | -170 | 857 | -18 |
Other Adjustments | -1,919 | -2,276 | -724 | -632 | -919 | 650 |
Changes in Accrued Interest and Accounts Receivable | 65 | -34 | -54 | -359 | -641 | 17 |
Changes in Accounts Payable | -166 | -169 | 17 | 122 | 246 | -71 |
Changes in Other Operating Activities | -1,465 | 1,563 | -1,534 | 2,562 | -2,465 | -2,526 |
Operating Cash Flow | 29,074 | 27,718 | 18,159 | 20,575 | 13,809 | 12,310 |
Operating Cash Flow Growth | 46.72% | 52.64% | -11.74% | 49.00% | 12.18% | -26.28% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Loans Held-for-Investment | -36,393 | -31,751 | -18,430 | -15,534 | -33,794 | -31,327 |
Net Change in Securities and Investments | -1,369 | 9,440 | -5,159 | -1,315 | 6,794 | 1,861 |
Cash Acquisitions | - | 16,465 | 0 | -2,785 | -1,176 | -669 |
Proceeds from Business Divestments | - | 8,800 | 0 | 0 | - | - |
Capital Expenditures | -1,783 | -1,578 | -1,204 | -961 | -934 | -698 |
Other Investing Activities | -1,743 | -1,820 | -1,617 | -1,325 | -628 | -668 |
Investing Cash Flow | -1,263 | -444 | -26,410 | -21,920 | -29,738 | -31,501 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Deposits | 14,554 | 5,931 | 14,156 | 15,172 | 22,539 | 5,687 |
Long-Term Debt Issued | 5,727 | 8,514 | 5,790 | 11,510 | 31,000 | 10,718 |
Long-Term Debt Repaid | -3,330 | -17,856 | -10,239 | -10,919 | -22,621 | -7,293 |
Net Long-Term Debt Issued (Repaid) | 2,397 | -9,342 | -4,449 | 591 | 8,379 | 3,425 |
Issuance of Common Stock | 435 | 409 | 327 | 309 | 295 | 308 |
Repurchase of Common Stock | -6,517 | -4,099 | -734 | -718 | - | -7,605 |
Net Common Stock Issued (Repurchased) | -6,082 | -3,690 | -407 | -409 | 295 | -7,297 |
Issuance of Preferred Stock | - | 0 | 0 | 0 | - | 2,052 |
Repurchase of Preferred Stock | - | -500 | 0 | 0 | -4,948 | -2,100 |
Net Preferred Stock Issued (Repurchased) | - | -500 | 0 | 0 | -4,948 | -48 |
Common Dividends Paid | -1,784 | -1,516 | -932 | -931 | -950 | -1,148 |
Preferred Share Dividends Paid | -252 | -252 | -228 | -228 | -228 | -274 |
Other Financing Activities | 1,048 | 517 | 27 | -351 | 44 | 129 |
Financing Cash Flow | 2,480 | -8,852 | 8,167 | 13,844 | 25,131 | 474 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 30,291 | 18,422 | -84 | 12,499 | 9,202 | -18,717 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 27,291 | 26,140 | 16,955 | 19,614 | 12,875 | 11,612 |
Free Cash Flow Growth | 47.43% | 54.17% | -13.56% | 52.34% | 10.88% | -27.38% |
FCF Margin | 75.16% | 79.75% | 61.89% | 74.41% | 45.33% | 35.86% |
Free Cash Flow Per Share | 45.48 | 48.29 | 44.20 | 51.16 | 32.74 | 26.14 |