Capital One Financial Corp - Understand $cof stock

$COF Market Cap: $70.77 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$28.92B

TTM

Gross Margin

Net Earnings

$4.062B

TTM

Current Assets

Current Liabilities

$1.225B

Q3 2024

Current Ratio

Total Assets

$486.4B

Q3 2024

Total Liabilities

$423.5B

Q3 2024

Book Value

$62.93B

Q3 2024

Cash

$49.72B

Q3 2024

P/E

17.42

Nov 29, 2024 EST

Free Cash Flow

$21.70B

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Revenue	$36.79B	$34.25B	$30.44B	$28.52B	$28.59B	$28.08B	$27.24B	$25.50B	$23.41B	$22.29B	$22.38B	$21.40B	$16.28B	$16.17B	$12.98B
YoY Change	7.41%	12.53%	6.7%	-0.24%	1.84%	3.08%	6.81%	8.92%	5.04%	-0.42%	4.62%	31.43%	0.67%	24.56%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$36.79B	$34.25B	$30.44B	$28.52B	$28.59B	$28.08B	$27.24B	$25.50B	$23.41B	$22.29B	$22.38B	$21.40B	$16.28B	$16.17B	$12.98B
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$1.383B	$1.379B	$1.262B	$1.215B	$1.290B	$1.260B	$1.177B	$1.169B	$1.055B	$961.0M	$897.0M	$807.0M	$681.0M	$693.0M
YoY Change	0.29%	9.27%	3.87%	-5.81%	2.38%	7.05%	0.68%	10.81%	9.78%	7.13%	11.15%	18.5%	-1.73%
% of Gross Profit
Depreciation & Amortization	$3.226B	$3.210B	$3.481B	$3.501B	$3.339B	$2.396B	$2.440B	$2.428B	$2.100B	$2.002B	$571.0M	$468.0M	$317.0M	$327.0M	$683.0M	$691.0M	$679.0M	$542.0M	$426.0M	$382.0M	$384.0M	$384.0M	$338.0M	$245.0M	$173.0M	$108.0M	$73.00M	$61.00M	$33.00M	$16.00M	$0.00	$3.000M
YoY Change	0.5%	-7.79%	-0.57%	4.85%	39.36%	-1.8%	0.49%	15.62%	4.9%	250.61%	22.01%	47.63%	-3.06%	-52.12%	-1.16%	1.77%	25.28%	27.23%	11.52%	-0.52%	0.0%	13.61%	37.96%	41.62%	60.19%	47.95%	19.67%	84.85%	106.25%		-100.0%	0.0%
% of Gross Profit
Operating Expenses	$1.383B	$1.379B	$1.262B	$1.215B	$1.290B	$1.260B	$1.177B	$1.169B	$1.055B	$961.0M	$897.0M	$807.0M	$681.0M	$693.0M
YoY Change	0.29%	9.27%	3.87%	-5.81%	2.38%	7.05%	0.68%	10.81%	9.78%	7.13%	11.15%	18.5%	-1.73%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$12.70B	$4.123B	$1.598B	$3.120B	$5.173B	$4.301B	$2.762B	$2.018B	$1.625B	$1.579B	$1.792B	$2.375B	$2.246B	$2.896B
YoY Change	207.96%	158.01%	-48.78%	-39.69%	20.27%	55.72%	36.87%	24.18%	2.91%	-11.89%	-24.55%	5.74%	-22.44%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Pretax Income	$6.045B	$9.240B	$15.81B	$3.203B	$6.874B	$7.318B	$5.492B	$5.484B	$5.881B	$6.569B	$6.578B	$5.184B	$4.587B	$4.330B	$1.336B	$582.0M	$3.870B	$3.672B	$2.829B	$2.360B	$1.827B	$1.451B	$1.035B	$757.0M	$577.0M	$444.0M	$305.0M	$248.0M	$198.0M	$147.0M	$171.0M	$49.00M
YoY Change	-34.58%	-41.55%	393.57%	-53.4%	-6.07%	33.25%	0.15%	-6.75%	-10.47%	-0.14%	26.89%	13.02%	5.94%	224.1%	129.55%	-84.96%	5.39%	29.8%	19.87%	29.17%	25.91%	40.19%	36.72%	31.2%	29.95%	45.57%	22.98%	25.25%	34.69%	-14.04%	248.98%	-7.55%
Income Tax	$1.158B	$1.880B	$3.415B	$486.0M	$1.341B	$1.293B	$3.375B	$1.714B	$1.869B	$2.146B	$2.224B	$1.475B	$1.334B	$1.280B	$349.0M	$497.0M	$1.278B	$1.246B	$1.020B	$817.0M	$676.0M	$551.0M	$393.0M	$288.0M	$214.0M	$169.0M	$116.0M	$93.00M	$71.00M	$52.00M	$60.00M	$17.00M
% Of Pretax Income	19.16%	20.35%	21.6%	15.17%	19.51%	17.67%	61.45%	31.25%	31.78%	32.67%	33.81%	28.45%	29.08%	29.56%	26.12%	85.4%	33.02%	33.93%	36.06%	34.62%	37.0%	37.97%	37.97%	38.04%	37.09%	38.06%	38.03%	37.5%	35.86%	35.37%	35.09%	34.69%
Net Earnings	$4.582B	$7.044B	$12.39B	$2.714B	$5.546B	$6.015B	$1.982B	$3.751B	$4.050B	$4.428B	$4.121B	$3.492B	$3.147B	$2.743B	$884.0M	-$46.00M	$1.570B	$2.414B	$1.809B	$1.543B	$1.136B	$900.0M	$642.0M	$470.0M	$363.0M	$275.0M	$189.0M	$155.0M	$127.0M	$95.00M	$110.0M	$32.00M
YoY Change	-34.95%	-43.15%	356.52%	-51.06%	-7.8%	203.48%	-47.16%	-7.38%	-8.54%	7.45%	18.01%	10.96%	14.73%	210.29%	-2021.74%	-102.93%	-34.96%	33.44%	17.24%	35.83%	26.22%	40.19%	36.6%	29.48%	32.0%	45.5%	21.94%	22.05%	33.68%	-13.64%	243.75%	-8.57%
Net Earnings / Revenue	12.46%	20.57%	40.71%	9.52%	19.4%	21.42%	7.28%	14.71%	17.3%	19.87%	18.41%	16.32%	19.33%	16.96%	6.81%
Basic Earnings Per Share	$11.98	$17.98	$27.04	$5.19	$11.10	$11.90	$3.52	$6.96	$7.15	$7.71	$6.99	$6.17	$6.85	$6.07
Diluted Earnings Per Share	$11.95	$17.91M	$26.94	$5.18	$11.05	$11.82	$3.49	$6.89	$7.07	$7.59	$6.89	$6.11	$6.80	$6.01	$0.74	-$121.7K	$3.965M	$7.615M	$6.725M	$6.197M	$4.855M	$3.930M	$2.905M	$2.249M	$1.720M	$1.316M	$931.0K	$771.1K	$638.2K	$479.8K	$555.6K	$161.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$4.375B	$4.351B	$4.210B	$5.603B	$5.811B	$4.191B	$4.033B	$3.675B	$3.584B	$3.685B	$3.839B	$3.587B	$2.199B	$2.187B	$2.153B	$1.889B	$1.897B	$1.807B	$977.0M	$711.0M	$791.0M	$666.0M	$669.0M	$654.0M	$461.0M	$232.0M	$155.0M	$175.0M	$139.0M	$100.0M	$33.00M	$19.00M
YoY Change	0.55%	3.35%	-24.86%	-3.58%	38.65%	3.92%	9.74%	2.54%	-2.74%	-4.01%	7.03%	63.12%	0.55%	1.58%	13.98%	-0.42%	4.98%	84.95%	37.41%	-10.11%	18.77%	-0.45%	2.29%	41.87%	98.71%	49.68%	-11.43%	25.9%	39.0%	203.03%	73.68%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets													$28.00M	$39.00M	$34.00M
YoY Change													-28.21%	14.71%
Total Long-Term Assets
YoY Change
Total Assets	$478.5B	$455.2B	$432.4B	$421.6B	$390.4B	$372.5B	$365.7B	$357.0B	$334.0B	$308.2B	$296.9B	$312.9B	$206.0B	$197.5B	$169.6B	$165.9B	$150.6B	$149.7B	$88.70B	$53.75B	$46.28B	$37.38B	$28.18B	$18.89B	$13.34B	$9.419B	$7.078B	$6.467B	$4.759B	$3.092B	$1.991B	$1.352B
YoY Change
Accounts Payable	$649.0M	$527.0M	$281.0M	$352.0M	$439.0M	$458.0M	$413.0M	$327.0M	$299.0M	$254.0M	$307.0M	$450.0M	$466.0M	$488.0M	$509.0M	$676.0M	$632.0M	$575.0M	$372.0M	$237.0M	$256.0M	$236.0M	$188.0M	$123.0M	$116.0M	$92.00M	$68.00M	$80.00M	$74.00M	$9.000M	$0.00	$0.00
YoY Change	23.15%	87.54%	-20.17%	-19.82%	-4.15%	10.9%	26.3%	9.36%	17.72%	-17.26%	-31.78%	-3.43%	-4.51%	-4.13%	-24.7%	6.96%	9.91%	54.57%	56.96%	-7.42%	8.47%	25.53%	52.85%	6.03%	26.09%	35.29%	-15.0%	8.11%	722.22%
Accrued Expenses	$1.312B	$1.458B	$1.485B	$1.688B	$1.756B																						$98.00M	$0.00		$0.00	$0.00	$0.00
YoY Change	-10.01%	-1.82%	-12.03%	-3.87%
Deferred Revenue
YoY Change
Short-Term Debt	$538.0M	$883.0M	$820.0M	$668.0M	$314.0M	$352.0M	$576.0M	$992.0M	$981.0M	$880.0M	$915.0M	$1.248B	$1.464B	$1.517B	$1.140B	$833.0M	$5.258B	$5.453B	$2.017B	$9.637B	$7.797B	$6.365B	$3.996B	$2.926B	$2.780B	$1.742B	$1.096B	$831.0M	$810.0M	$2.063B	$1.791B	$1.267B
YoY Change	-39.07%	7.68%	22.75%	112.74%	-10.8%	-38.89%	-41.94%	1.12%	11.48%	-3.83%	-26.68%	-14.75%	-3.49%	33.07%	36.85%	-84.16%	-3.58%	170.35%	-79.07%	23.6%	22.5%	59.28%	36.57%	5.25%	59.59%	58.94%	31.89%	2.59%	-60.74%	15.19%	41.36%
Long-Term Debt Due	$7.111B	$5.325B	$7.999B	$6.209B	$9.831B	$12.16B	$7.356B	$10.05B
YoY Change	33.54%	-33.43%	28.83%	-36.84%	-19.15%	65.29%	-26.78%
Total Short-Term Liabilities	$1.187B	$527.0M	$9.765B	$8.249B	$12.03B	$12.62B	$7.769B	$10.37B	$299.0M	$254.0M	$307.0M	$450.0M	$466.0M	$488.0M	$509.0M	$676.0M	$632.0M	$575.0M	$372.0M	$237.0M	$256.0M	$236.0M	$188.0M	$123.0M	$116.0M	$92.00M	$166.0M	$80.00M	$74.00M	$9.000M	$1.791B	$1.267B
YoY Change	125.24%	-94.6%	18.38%	-31.41%	-4.68%	62.4%	-25.11%	3369.57%	17.72%	-17.26%	-31.78%	-3.43%	-4.51%	-4.13%	-24.7%	6.96%	9.91%	54.57%	56.96%	-7.42%	8.47%	25.53%	52.85%	6.03%	26.09%	-44.58%	107.5%	8.11%	722.22%	-99.5%	41.36%
Long-Term Debt	$49.29B	$47.80B	$34.27B	$33.66B	$38.55B	$37.09B	$43.41B	$32.21B	$38.00B	$30.31B	$23.42B	$24.08B	$38.10B	$40.28B	$19.87B	$17.47B	$25.43B	$25.88B	$18.80B	$6.875B	$7.016B	$5.566B	$5.335B	$4.051B	$4.181B	$3.739B	$3.333B	$3.694B	$2.492B	$0.00	$0.00	$0.00
YoY Change	3.12%	39.49%	1.8%	-12.68%	3.93%	-14.55%	34.77%	-15.24%	25.39%	29.39%	-2.74%	-36.78%	-5.42%	102.67%	13.77%	-31.3%	-1.76%	37.7%	173.4%	-2.01%	26.05%	4.33%	31.7%	-3.11%	11.82%	12.18%	-9.77%	48.23%
Other Long-Term Liabilities	$21.46B	$20.43B	$15.52B	$13.38B	$11.77B	$11.74B	$12.57B	$11.96B	$9.629B	$8.855B	$9.817B	$9.574B	$8.100B	$6.468B	$5.724B	$6.825B	$5.378B	$4.176B	$3.989B	$2.923B	$2.747B	$3.266B	$2.503B	$1.449B	$960.0M	$576.0M	$276.0M	$178.0M	$88.00M	$93.00M	$31.00M	$16.00M
YoY Change	5.01%	31.66%	16.02%	13.7%	0.19%	-6.56%	5.04%	24.25%	8.74%	-9.8%	2.54%	18.2%	25.23%	13.0%	-16.13%	26.91%	28.78%	4.69%	36.47%	6.41%	-15.89%	30.48%	72.74%	50.94%	66.67%	108.7%	55.06%	102.27%	-5.38%	200.0%	93.75%
Total Long-Term Liabilities	$70.75B	$68.23B	$49.79B	$47.04B	$50.32B	$48.84B	$55.98B	$44.17B	$47.63B	$39.16B	$33.24B	$33.66B	$46.20B	$46.75B	$25.60B	$24.29B	$30.80B	$30.06B	$22.79B	$9.798B	$9.763B	$8.832B	$7.838B	$5.500B	$5.141B	$4.315B	$3.609B	$3.872B	$2.580B	$93.00M	$31.00M	$16.00M
YoY Change	3.69%	37.05%	5.84%	-6.51%	3.03%	-12.76%	26.72%	-7.26%	21.63%	17.82%	-1.24%	-27.14%	-1.18%	82.62%	5.37%	-21.14%	2.48%	31.92%	132.55%	0.36%	10.54%	12.68%	42.51%	6.98%	19.14%	19.56%	-6.79%	50.08%	2674.19%	200.0%	93.75%
Total Liabilities	$420.4B	$402.7B	$371.4B	$361.4B	$332.4B	$320.9B	$317.0B	$309.5B	$286.8B	$263.1B	$255.3B	$272.4B	$176.4B	$171.0B	$143.1B	$139.3B	$126.3B	$124.5B	$74.57B	$45.36B	$40.23B	$32.76B	$24.86B	$16.93B	$11.82B	$8.149B	$6.185B	$5.727B	$4.160B	$2.617B	$1.822B	$1.283B
YoY Change	4.4%	8.43%	2.75%	8.74%	3.58%	1.23%	2.41%	7.94%	8.99%	3.06%	-6.28%	54.47%	3.15%	19.51%	2.7%	10.3%	1.44%	66.96%	64.4%	12.74%	22.81%	31.77%	46.87%	43.19%	45.06%	31.75%	8.0%	37.67%	58.96%	43.63%	42.01%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Basic Shares Outstanding	382.4M shares	391.8M shares	442.5M shares	457.8M shares	467.6M shares	479.9M shares	484.2M shares	504.9M shares	541.8M shares	563.1M shares	579.7M shares	561.1M shares	455.5M shares	452.0M shares	428.0M
Diluted Shares Outstanding	383.4M shares	393.2M shares	444.2M shares	458.9M shares	469.9M shares	483.1M shares	488.6M shares	509.8M shares	548.0M shares	571.9M shares	587.6M shares	566.5M shares	459.1M shares	456.0M shares	431.0M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $70.77 Billion

About CAPITAL ONE FINANCIAL CORP

Capital One Financial Corp. operates as a financial holding company. The company is headquartered in Mclean, Virginia and currently employs 52,500 full-time employees. The firm offers a range of financial products and services to consumers, small businesses and commercial clients through digital channels, branch locations, cafes, and other distribution channels. The firm operates through three segments: Credit Card, Consumer Banking and Commercial Banking. The Credit Card segment consists of its domestic consumer and small business card lending, and international card businesses in the United Kingdom and Canada. The Consumer Banking segment consists of its deposit gathering and lending activities for consumers and small businesses, and national auto lending. The Commercial Banking segment consists of its lending, deposit gathering, capital markets and treasury management services to commercial real estate and commercial and industrial customers. Its subsidiary includes Capital One, National Association, and Capital One Bank (USA), National Association.

Industry: National Commercial Banks Peers: Ally Financial Inc. AMERICAN EXPRESS CO CREDIT ACCEPTANCE CORP Discover Financial Services FirstCash Holdings, Inc. OneMain Holdings, Inc. SoFi Technologies, Inc. Synchrony Financial