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 Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Income | 2,174 | 1,944 | 3,383 | -4,277 | 1,404 | 1,095 | 1,779 | 597 | 1,280 | 706 | 1,790 | 1,431 | 960 | 1,232 | 1,694 | 2,031 | 2,403 | 2,425 | 3,104 | 3,536 |
Depreciation & Amortization | 1,510 | 1,605 | 1,832 | 1,011 | 812 | 814 | 806 | 811 | 806 | 798 | 852 | 325 | 1,251 | 843 | 744 | 784 | 839 | 853 | 914 | 859 |
Provision for Credit Losses | 4,068 | 4,142 | 2,714 | 11,430 | 2,369 | 2,642 | 2,482 | 3,909 | 2,683 | 2,857 | 2,284 | 2,490 | 2,795 | 2,416 | 1,669 | 1,085 | 677 | 381 | -342 | -1,160 |
Stock-Based Compensation | 131 | 200 | 174 | 225 | 177 | 144 | 127 | 105 | 193 | 141 | 95 | 123 | 154 | 76 | 66 | 65 | 107 | 61 | 64 | 87 |
Net Change in Loans Held-for-Sale | 650 | -87 | -520 | 581 | -484 | -102 | 355 | 796 | -867 | -27 | 221 | -191 | -173 | 1,509 | -966 | 201 | 113 | 766 | -1,258 | 737 |
Other Adjustments | 250 | -492 | 893 | -2,524 | 307 | -322 | -142 | -455 | 160 | -74 | -107 | -291 | -160 | -384 | -369 | -182 | 16 | 76 | -29 | 201 |
Changes in Accrued Interest and Accounts Receivable | 32 | -36 | -83 | 152 | -67 | 45 | -83 | 20 | -36 | -9 | -172 | -47 | -131 | -251 | -239 | -132 | -19 | -42 | -40 | 8 |
Changes in Accounts Payable | -17 | 18 | -62 | -105 | -20 | -39 | 37 | -94 | 113 | -36 | 48 | 16 | 94 | 94 | 100 | 72 | -20 | 40 | -60 | 13 |
Changes in Other Operating Activities | -2,775 | 830 | 1,014 | -348 | 169 | -1,830 | 1,064 | 554 | -1,322 | 2,744 | 2,118 | -502 | -1,798 | 2,622 | 78 | -969 | -4,195 | 102 | -399 | -223 |
Operating Cash Flow | 6,023 | 7,831 | 9,154 | 6,066 | 4,667 | 2,448 | 6,458 | 6,243 | 3,010 | 7,100 | 7,129 | 3,354 | 2,992 | 8,157 | 2,777 | 2,954 | -79 | 4,662 | 1,954 | 4,058 |
Operating Cash Flow Growth (YoY) | 29.05% | 219.89% | 41.75% | -2.83% | 55.05% | -65.52% | -9.41% | 86.14% | 0.60% | -12.96% | 156.72% | 13.54% | - | 74.97% | 42.12% | -27.21% | - | 0.76% | -31.61% | 6.62% |
Investing Activities
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Change in Loans Held-for-Investment | 1,699 | -14,549 | -7,583 | -13,075 | 1,277 | -10,643 | -4,478 | -5,872 | 2,563 | -8,422 | -5,496 | -5,558 | 3,942 | -9,956 | -7,578 | -16,918 | 658 | -17,043 | -10,432 | -11,521 |
Net Change in Securities and Investments | -879 | -959 | -1,581 | 2,050 | 234 | -2,389 | -1,258 | -1,177 | -335 | -644 | 994 | 2,188 | -3,853 | -1,067 | 3,190 | 3,131 | 1,540 | 1,282 | 4,027 | -3,177 |
Cash Acquisitions | - | 0.5 | 0.5 | - | - | 0 | 0 | - | - | 0 | 0 | -246 | -2,539 | -49 | -1,127 | 0 | 0 | -118 | -527 | - |
Capital Expenditures | -553 | -444 | -387 | -399 | -348 | -356 | -312 | -289 | -247 | -261 | -259 | -206 | -235 | - | -221 | -193 | -230 | - | -163 | -163 |
Other Investing Activities | -241 | -657 | -401 | -444 | -318 | -861 | -256 | -194 | -306 | -363 | -310 | -343 | -309 | -85 | -53 | -295 | -195 | -382 | -260 | -78 |
Investing Cash Flow | 26 | -7,809 | -9,951 | 16,471 | 845 | -14,249 | -6,304 | -7,532 | 1,675 | -9,690 | -5,071 | -4,165 | -2,994 | -11,447 | -5,789 | -14,275 | 1,773 | -16,455 | -7,355 | -14,963 |
Financing Activities
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Change in Deposits | 13,301 | 6,977 | 422 | -6,146 | 4,678 | 9,169 | 1,937 | 430 | 2,620 | 2,092 | 2,337 | -5,905 | 16,648 | 15,768 | 9,684 | -5,474 | 2,561 | 5,090 | -348 | -3,993 |
Long-Term Debt Issued | 2,988 | 2,040 | 2,739 | 0 | 1,742 | 808 | 1,992 | 1 | 1,992 | 849 | 0 | 4,682 | 3,489 | 1,499 | 5,490 | 18,726 | 5,285 | 6,731 | 3,987 | 0 |
Long-Term Debt Repaid | -2,481 | -3,452 | -5,396 | 2,626 | -6,073 | -3,894 | -2,622 | -2,606 | -1,117 | -4,030 | -452 | -2,830 | -3,607 | -7,988 | -8,683 | -395 | -5,555 | -804 | -2,631 | -2,087 |
Net Long-Term Debt Issued (Repaid) | 507 | -1,412 | -2,657 | 2,626 | -4,331 | -3,086 | -630 | -2,605 | 875 | -3,181 | -452 | 1,852 | -118 | -6,489 | -3,193 | 18,331 | -270 | 5,927 | 1,356 | -2,087 |
Issuance of Common Stock | 120 | 113 | 91 | 111 | 94 | 72 | 79 | 95 | 81 | 70 | 75 | 88 | 76 | 70 | 86 | 70 | 69 | 63 | 91 | 75 |
Repurchase of Common Stock | -2,793 | -2,520 | -1,037 | -167 | -375 | -161 | -161 | -163 | -249 | -158 | -157 | -157 | -246 | - | -319 | -1,988 | -2,484 | -2,652 | -2,710 | -1,668 |
Net Common Stock Issued (Repurchased) | -2,673 | -2,407 | -946 | -56 | -281 | -89 | -82 | -68 | -168 | -88 | -82 | -69 | -170 | 70 | -233 | -1,918 | -2,415 | -2,589 | -2,619 | -1,593 |
Issuance of Preferred Stock | - | 0 | - | - | - | 0 | - | - | - | - | - | - | - | - | - | - | - | -1 | 412 | - |
Repurchase of Preferred Stock | - | 0 | 0 | - | - | 0 | 0 | - | - | - | - | - | - | - | - | - | - | -1,100 | - | - |
Net Preferred Stock Issued (Repurchased) | - | 0 | 0 | - | - | 0 | 0 | - | - | - | - | - | - | - | - | - | - | -1,101 | 412 | - |
Common Dividends Paid | -502 | -508 | -386 | -388 | -234 | -232 | -233 | -232 | -235 | -233 | -232 | -232 | -234 | -231 | -232 | -236 | -251 | -254 | -529 | -181 |
Preferred Share Dividends Paid | -57 | -73 | -57 | -65 | -57 | -57 | -57 | -57 | -57 | -57 | -57 | -57 | -57 | -57 | -57 | -57 | -57 | -74 | -79 | -60 |
Other Financing Activities | 538 | 469 | -125 | 166 | 7 | 48 | -196 | 148 | 27 | 18 | -316 | 297 | -350 | 351 | 84 | -4,160 | 3,769 | -10 | -22 | -8 |
Financing Cash Flow | 11,114 | 3,544 | -2,254 | -9,924 | -218 | 5,753 | 1,736 | -2,384 | 3,062 | 1,041 | 1,198 | -4,114 | 15,719 | 9,255 | 6,053 | 6,486 | 3,337 | 6,989 | -2,829 | -6,281 |
Net Cash Flow
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Cash Flow | 17,163 | 3,566 | -3,051 | 12,613 | 5,294 | -6,048 | 1,890 | -3,673 | 7,747 | -1,549 | 3,256 | -4,925 | 15,717 | 5,965 | 3,041 | -4,835 | 5,031 | -4,804 | -8,230 | -17,186 |
Free Cash Flow
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Free Cash Flow | 5,470 | 7,387 | 8,767 | 5,667 | 4,319 | 2,092 | 6,146 | 5,954 | 2,763 | 6,839 | 6,870 | 3,148 | 2,757 | 8,157 | 2,556 | 2,761 | -309 | 4,662 | 1,791 | 3,895 |
Free Cash Flow Growth (YoY) | 26.65% | 253.11% | 42.65% | -4.82% | 56.32% | -69.41% | -10.54% | 89.14% | 0.22% | -16.16% | 168.78% | 14.02% | - | 74.97% | 42.71% | -29.11% | - | 4.53% | -32.57% | 7.66% |
FCF Margin | 49.00% | 64.57% | 69.33% | 533.62% | 56.60% | 27.72% | 81.60% | 106.38% | 41.12% | 102.86% | 97.01% | 48.27% | 45.14% | 123.14% | 35.82% | 38.63% | -4.12% | 60.26% | 21.92% | 45.64% |
Free Cash Flow Per Share | 8.77 | 11.70 | 13.71 | 11.21 | 11.25 | 5.46 | 16.02 | 15.51 | 7.21 | 17.87 | 17.96 | 8.23 | 7.20 | 21.26 | 6.65 | 7.03 | -0.75 | 10.99 | 4.07 | 8.61 |