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Companies / Financials / Capital One
COF

Capital One

FinancialsCommercial BanksS&P 500
Ticker COFMCLEAN, VAFiscal year ends DecemberBook value per share $182.86Diluted shares 622.3M

Capital One Financial Corporation (NYSE: COF) is a diversified financial services company and global payments provider serving consumers, small businesses and commercial clients through digital channels, branches, cafés and other distribution channels. Its products and services include credit and debit cards, personal… From the company’s description.

In fiscal 2025, Capital One reported revenue of $53.43B, up 36.6% from fiscal 2024, and net income of $2.45B. Its pre-tax margin was 4.3%. Over the twelve months to Jun 30, 2026, revenue was $62.02B.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$53.43BFY2025
+36.6% year over year
Last 12 mo $62.02B
4.27%FY2025
−10.8 percentage points
Last 12 mo 20.96%
$2.45BFY2025
−48.4% year over year
Last 12 mo $10.52B
2.16%FY2025
−5.7 percentage points
Last 12 mo 9.24%
Cash & financing
$27.72BFY2025
+52.6% year over year
Last 12 mo $31.45B
$26.14BFY2025
+54.2% year over year
Last 12 mo $29.70B
4.63FY2025
Was 6.71× a year earlier
Last 12 mo 0.39
541.3MFY2025
+41.1% year over year
Last 12 mo 622.3M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Capital One does

In the company’s own words

Capital One Financial Corporation (NYSE: COF) is a diversified financial services company and global payments provider serving consumers, small businesses and commercial clients through digital channels, branches, cafés and other distribution channels. Its products and services include credit and debit cards, personal and auto loans, consumer and small-business banking, commercial lending, deposits, treasury management and payment processing. The company also operates the Discover Network, PULSE Network and Diners Club International, alongside payment services for network partners. Its three reportable segments are Credit Card, covering domestic consumer and small-business card lending, personal loans and international card businesses; Consumer Banking, comprising consumer and small-business deposits and lending, auto lending and the Global Payment Network; and Commercial Banking, providing lending, deposit, capital markets and treasury services to commercial customers, typically companies with annual revenue of $20 million to $2 billion. Capital One completed its acquisition of Discover in May 2025, adding payment networks and related businesses. In 2025, it was the largest U.S. credit card issuer by outstanding card loan balances and one of the nation’s largest banks by deposits. Its website is www.capitalone.com.

Company details
Sector
Financials
Industry (SIC)
Commercial Banks
Headquarters
MCLEAN, VA
Fiscal year end
December
CIK
927628
SIC
6021

Financial performance, year by year

Fiscal 2013–2025 · USD
$-6.20B$12.40B$31.01B$49.62B$68.23B2013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Capital One — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

1.0K
funds hold it
7 of 35
superinvestors hold it
$41.42B
held by funds, at market
34.3%
of shares held by funds
35
bond issues held by funds

Superinvestors in Capital One · what they did last quarter

Bill NygrenINCREASED +11.0%
Harris Associates (Oakmark)
3.1%of 13F portfolio
Warren BuffettDECREASED -58.0%
Berkshire Hathaway
0.2%of 13F portfolio
Ruane CunniffDECREASED -3.1%
Ruane, Cunniff & Goldfarb (Sequoia)
6.1%of 13F portfolio

Share of each manager’s reported 13F portfolio. Change is in shares held, since the previous quarter.

Largest fund holders · Capital One’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.17%of fund net assets
VANGUARD 500 INDEX FUND
VOO · VANGUARD INDEX FUNDS
0.19%of fund net assets
iShares Core S&P 500 ETF
IVV · iShares Trust
0.19%of fund net assets
Fidelity 500 Index Fund
FXAIX · Fidelity Concord Street Trust
0.18%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Capital One’s bonds, as funds hold them

Funds report holding 35 issues of Capital One’s debt, $9.88B at market value — what funds hold, not the company’s total debt. Weighted-average coupon 4.76%, maturing 2026 to 2037.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Fund ownership is a subset of institutional 13F ownership — the two describe overlapping populations and must not be added together.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Capital One and its peers compare on margins and cash generation over ten years?”
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