Capital One is a major US bank from Virginia focused on credit cards. It also offers auto loans, personal accounts, often managed online, and business loans. Through the acquisition of Discover Financial, the bank also owns its own card payment network. As of Oct 11, 2026
As of Oct 11, 2026Fact sheet (from the annual report)National commercial banks · Mclean, USAfull fact sheet
Capital One Financial Corporation, based in McLean, Virginia, is a diversified financial services holding company and operates as a global payments company. Its customers are consumers, small businesses and commercial clients who use digital channels and branches. Its segments are called Credit Card, Consumer Banking and Commercial Banking. The Credit Card segment comprises domestic credit cards for consumers and small businesses, personal loans and card business in the UK and Canada. In May 2025 the group completed the acquisition of Discover, with Discover Bank merging into CONA. This added the Discover Network, PULSE Network and Diners Club payment networks.
Our own calculation from the exchange’s daily candles, as of Oct 26, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.
Fundamentals · Analysis method
Growth, margin and debt compared with the sector – in detail in the fundamental analysis further down. The chart shows the candles without a buy zone.
Growth: greenMargin: yellowDebt: gray
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Fundamental analysis
SEC filing (10-K, 10-Q)Required reports of listed companies to the US Securities and Exchange Commission (SEC): 10-K is the annual report, 10-Q the quarterly report, 20-F the annual report of foreign companies. We show the figures of the first filing.Example: 10-K for the fiscal year ending Sep 27, 2025, filed on Oct 31, 2025.More in the Academy: Lesson revenue, profit and margin
Capital One · Sector Financials · amounts in USD
Information only – does not affect our buy zones, not investment advice. Source: SEC filings, As of Feb 19, 2026.
In short
Light green: Revenue grew over 5 years (+13.4% per year), at least as fast as the sector median.
Light red: Net income (total) shrank over 5 years (−2.0% per year); per share −4.9% per year.
Light yellow: Net margin 4.6%, below the sector median (19.4%).
Light green: Profit in each of the last 10 fiscal years.
Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.
RevenueNet incomeNet margin (below)in USD
020B40B60B
2016Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Revenue 25.5B USD · Net income 3.8B USD · Net margin 14.7%
2017Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Revenue 27.2B USD · Net income 2.0B USD · Net margin 7.3%
2018Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Revenue 28.1B USD · Net income 6.0B USD · Net margin 21.4%
2019Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Revenue 28.6B USD · Net income 5.5B USD · Net margin 19.4%
2020Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Revenue 28.5B USD · Net income 2.7B USD · Net margin 9.5%
2021Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Revenue 30.4B USD · Net income 12.4B USD · Net margin 40.7%
2022Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Revenue 34.3B USD · Net income 7.4B USD · Net margin 21.5%
2023Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Revenue 36.8B USD · Net income 4.9B USD · Net margin 13.3%
2024Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Revenue 39.1B USD · Net income 4.8B USD · Net margin 12.1%
2025Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 53.4B USD · Net income 2.5B USD · Net margin 4.6%
Margin
15%7%21%19%10%41%21%13%12%5%
RevenueNet incomeNet margin (below)in USD
−10B010B20B
Q3/23Quarter Q3/23 (Jul 1, 2023 – Sep 30, 2023): Revenue 9.4B USD · Net income 1.8B USD · Net margin 19.1%
Q4/23Quarter Q4/23 (Oct 1, 2023 – Dec 31, 2023): Revenue 9.5B USD · Net income 706.0M USD · Net margin 7.4% · Q4 derived (year minus 9 months), may be distorted by restatements
Q1/24Quarter Q1/24 (Jan 1, 2024 – Mar 31, 2024): Revenue 9.4B USD · Net income 1.3B USD · Net margin 13.6%
Q2/24Quarter Q2/24 (Apr 1, 2024 – Jun 30, 2024): Revenue 9.5B USD · Net income 597.0M USD · Net margin 6.3%
Q3/24Quarter Q3/24 (Jul 1, 2024 – Sep 30, 2024): Revenue 10.0B USD · Net income 1.8B USD · Net margin 17.7%
Q4/24Quarter Q4/24 (Oct 1, 2024 – Dec 31, 2024): Revenue 10.2B USD · Net income 1.1B USD · Net margin 10.8% · Q4 derived (year minus 9 months), may be distorted by restatements
Q1/25Quarter Q1/25 (Jan 1, 2025 – Mar 31, 2025): Revenue 10.0B USD · Net income 1.4B USD · Net margin 14.0%
Q2/25Quarter Q2/25 (Apr 1, 2025 – Jun 30, 2025): Revenue 12.5B USD · Net income −4.3B USD · Net margin −34.2%
Q3/25Quarter Q3/25 (Jul 1, 2025 – Sep 30, 2025): Revenue 15.4B USD · Net income 3.2B USD · Net margin 20.8%
Q4/25Quarter Q4/25 (Oct 1, 2025 – Dec 31, 2025): Revenue 15.6B USD · Net income 2.1B USD · Net margin 13.7% · Q4 derived (year minus 9 months), may be distorted by restatements
Q1/26Quarter Q1/26 (Jan 1, 2026 – Mar 31, 2026): Revenue 15.2B USD · Net income 2.2B USD · Net margin 14.3%
Q2/26Quarter Q2/26 (Apr 1, 2026 – Jun 30, 2026): Revenue 15.9B USD · Net income 3.0B USD · Net margin 19.1%
Margin
19%7%14%6%18%11%14%−34%21%14%14%19%
Earnings per shareUSD per share
0102030
2016Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Earnings per share 6.89 USD
2017Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Earnings per share 3.49 USD
2018Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Earnings per share 11.82 USD
2019Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Earnings per share 11.05 USD
2020Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Earnings per share 5.18 USD
2021Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Earnings per share 26.94 USD
2022Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Earnings per share 17.91 USD
2023Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Earnings per share 11.95 USD
2024Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Earnings per share 11.59 USD
2025Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Earnings per share 4.03 USD
Q4/25Quarter Q4/25 (Oct 1, 2025 – Dec 31, 2025): Earnings per share not reported separately for Q4
Q1/26Quarter Q1/26 (Jan 1, 2026 – Mar 31, 2026): Earnings per share 3.34 USD
Q2/26Quarter Q2/26 (Apr 1, 2026 – Jun 30, 2026): Earnings per share 4.73 USD
Dividend per sharePayout ratio (below)USD per share
00.501.001.502.00
2016Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Dividend per share 1.60 USD · Payout ratio 23.2%
2017Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Dividend per share 1.60 USD · Payout ratio 45.8%
2018Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Dividend per share not available · Payout ratio not available
2019Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Dividend per share not available · Payout ratio not available
2020Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Dividend per share not available · Payout ratio not available
2021Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Dividend per share not available · Payout ratio not available
2022Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Dividend per share not available · Payout ratio not available
2023Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Dividend per share not available · Payout ratio not available
2024Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Dividend per share not available · Payout ratio not available
2025Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Dividend per share not available · Payout ratio not available
Ratio
23%46%
Dividend per sharePayout ratio (below)USD per share
00.200.400.600.80
Q3/23Quarter Q3/23 (Jul 1, 2023 – Sep 30, 2023): Dividend per share 0.60 USD · Payout ratio 13.5%
Q4/23Quarter Q4/23 (Oct 1, 2023 – Dec 31, 2023): Dividend per share 0.60 USD · Payout ratio not available · Q4 derived (year minus 9 months), may be distorted by restatements
Q1/24Quarter Q1/24 (Jan 1, 2024 – Mar 31, 2024): Dividend per share 0.60 USD · Payout ratio 19.2%
Q2/24Quarter Q2/24 (Apr 1, 2024 – Jun 30, 2024): Dividend per share 0.60 USD · Payout ratio 43.5%
Q3/24Quarter Q3/24 (Jul 1, 2024 – Sep 30, 2024): Dividend per share 0.60 USD · Payout ratio 13.6%
Q4/24Quarter Q4/24 (Oct 1, 2024 – Dec 31, 2024): Dividend per share 0.60 USD · Payout ratio not available · Q4 derived (year minus 9 months), may be distorted by restatements
Q1/25Quarter Q1/25 (Jan 1, 2025 – Mar 31, 2025): Dividend per share 0.60 USD · Payout ratio 17.4%
Q2/25Quarter Q2/25 (Apr 1, 2025 – Jun 30, 2025): Dividend per share 0.60 USD · Payout ratio not available
Q3/25Quarter Q3/25 (Jul 1, 2025 – Sep 30, 2025): Dividend per share 0.60 USD · Payout ratio 12.4%
Q4/25Quarter Q4/25 (Oct 1, 2025 – Dec 31, 2025): Dividend per share 0.80 USD · Payout ratio not available · Q4 derived (year minus 9 months), may be distorted by restatements
Q1/26Quarter Q1/26 (Jan 1, 2026 – Mar 31, 2026): Dividend per share 0.80 USD · Payout ratio 24.0%
Q2/26Quarter Q2/26 (Apr 1, 2026 – Jun 30, 2026): Dividend per share 0.80 USD · Payout ratio 16.9%
Ratio
13%19%43%14%17%12%24%17%
Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 53.4B USD · Net income 2.5B USD · Net margin 4.6%
Key figures with traffic lights
Each light follows a simple, disclosed rule. The comparison is with the sector median Sector medianThe middle value of all companies in a sector: half are above it, half below. Unlike the average, single outliers hardly distort it.Example: Margins 4%, 8%, 10%, 12%, 60% → median 10%, average 18.8%.More in the Academy: Lesson putting the P/E in context of all 79 symbols in the Financials sector on our list (current members of the S&P 500 and other lists).
Revenue growth
Growth per year (CAGR)The average annual growth rate over several years, as if the value had grown equally strongly every year. Individual good or bad years even out in it.Example: Revenue €100m → €161m in 5 years → (161 ÷ 100) to the power of 1/5 − 1 = 10% per year.More in the Academy: Lesson debt, dividends and growth
Light green: above sector
+13.4%per year, last 5 years
Sector Financials: median +8.8% (73 symbols)
What does this mean? Revenue: over 5 years it grew by 13.4% per year on average – at least as fast as the median company in the sector (+8.8%).
Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.
Net income (total)
Growth per year (CAGR)The average annual growth rate over several years, as if the value had grown equally strongly every year. Individual good or bad years even out in it.Example: Revenue €100m → €161m in 5 years → (161 ÷ 100) to the power of 1/5 − 1 = 10% per year.More in the Academy: Lesson debt, dividends and growth
Light red: shrinking
−2.0%per year, last 5 years
Sector Financials: median +13.8% (71 symbols)
per share: −4.9% per year (5 years, split-adjusted)
What does this mean? Total net income: over 5 years it fell by 2.0% per year on average. The median company in the sector reached +13.8% per year.
Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.
What does this mean? Of every 100 USD in revenue, 4.59 USD remained as profit – less than the median company in the sector (19.4%). Five years ago the margin was 9.5%.
Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.
Debt / equity
Debt-to-equity ratioFinancial debt (loans, bonds) divided by equity. A high value amplifies good and bad years alike. The key figures bar in the chart only uses long-term financial debt.Example: Financial debt €300m, equity €500m → 0.6.More in the Academy: Lesson debt, dividends and growth
Light gray: not available
–latest balance sheet
Sector Financials: median 0.63 (47 symbols)
What does this mean? No usable figure: reported financial debt or positive equity for the same balance sheet date is missing.
Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.
Payout ratio
Payout ratioThe share of profit that a company pays out as a dividend. Above 100% it pays out more than it earns.Example: Dividend €1, earnings per share €2.50 → payout ratio 40%.More in the Academy: Lesson debt, dividends and growth
Light gray: none found
–Dividend / earnings per share
Sector Financials: median 34% (58 symbols)
What does this mean? The loaded SEC filings of the last two fiscal years contain no dividend per share. Either the company pays none, or it reports it under a different tag.
Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.
Profitable years
Profitable yearsHow many of the last fiscal years ended with a profit rather than a loss on the bottom line. The figure shows how consistently a company earns.Example: Profit in 9 of 10 years → one loss year.More in the Academy: Lesson revenue, profit and margin
Light green: profit every year
10 of 10fiscal years with a profit
What does this mean? In 10 of the last 10 fiscal years the bottom line showed a profit. There were no losses in this period.
Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).
Last fiscal year and 13F
Information, not a trading signal · Source: SEC EDGAR
Revenue (FY)
53.4B USD
Revenue vs. prior year
+36.6%
Net income (FY)
2.5B USD
Net income vs. prior year
−48.4%
EPS (FY)
4.03 USD
13F funds with a position
3 of 9
Funds vs. prior quarter
±0
Shares held vs. prior quarter
−37.2%
Fiscal year to Dec 31, 2025 · 10-K filed Feb 19, 2026 · Price-based figures (P/E, P/S, dividend yield, market cap) only when logged in. · Values as first reported; debt = reported financial debt (US GAAP: long-term).13F: reporting date Jun 30, 2026, 9 tracked funds have filed (latest Aug 14, 2026), filed with up to 45 days of delay. Stock positions only; comparison with Mar 31, 2026 only across funds that filed for both quarters.
All figures as a table
Fiscal years (amounts in USD, per share in USD)
Year
End
Revenue
Net income
Margin
Earnings per share
Dividend per share
Payout
2025
Dec 31, 2025
53.4B
2.5B
4.6%
4.03
–
–
2024
Dec 31, 2024
39.1B
4.8B
12.1%
11.59
–
–
2023
Dec 31, 2023
36.8B
4.9B
13.3%
11.95
–
–
2022
Dec 31, 2022
34.3B
7.4B
21.5%
17.91
–
–
2021
Dec 31, 2021
30.4B
12.4B
40.7%
26.94
–
–
2020
Dec 31, 2020
28.5B
2.7B
9.5%
5.18
–
–
2019
Dec 31, 2019
28.6B
5.5B
19.4%
11.05
–
–
2018
Dec 31, 2018
28.1B
6.0B
21.4%
11.82
–
–
2017
Dec 31, 2017
27.2B
2.0B
7.3%
3.49
1.60
46%
2016
Dec 31, 2016
25.5B
3.8B
14.7%
6.89
1.60
23%
Quarters (amounts in USD, per share in USD)
Quarter
End
Revenue
Net income
Margin
Earnings per share
Dividend per share
Payout
Q2/26
Jun 30, 2026
15.9B
3.0B
19.1%
4.73
0.80
17%
Q1/26
Mar 31, 2026
15.2B
2.2B
14.3%
3.34
0.80
24%
Q4/25*
Dec 31, 2025
15.6B
2.1B
13.7%
–
0.80
–
Q3/25
Sep 30, 2025
15.4B
3.2B
20.8%
4.83
0.60
12%
Q2/25
Jun 30, 2025
12.5B
−4.3B
−34.2%
−8.58
0.60
–
Q1/25
Mar 31, 2025
10.0B
1.4B
14.0%
3.45
0.60
17%
Q4/24*
Dec 31, 2024
10.2B
1.1B
10.8%
–
0.60
–
Q3/24
Sep 30, 2024
10.0B
1.8B
17.7%
4.41
0.60
14%
Q2/24
Jun 30, 2024
9.5B
597.0M
6.3%
1.38
0.60
43%
Q1/24
Mar 31, 2024
9.4B
1.3B
13.6%
3.13
0.60
19%
Q4/23*
Dec 31, 2023
9.5B
706.0M
7.4%
–
0.60
–
Q3/23
Sep 30, 2023
9.4B
1.8B
19.1%
4.45
0.60
13%
* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.
How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year Growth per year (CAGR)The average annual growth rate over several years, as if the value had grown equally strongly every year. Individual good or bad years even out in it.Example: Revenue €100m → €161m in 5 years → (161 ÷ 100) to the power of 1/5 − 1 = 10% per year.More in the Academy: Lesson debt, dividends and growth over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.
Insiders
Insider transactionsExecutives, directors and major shareholders (over 10%) of US companies report their own transactions in their company’s stock to the SEC within two business days (Form 4). Purchases in the market count as more meaningful than sales (often taxes, estate planning).Example: Three executives acquire stock worth a total of 2 million USD within two weeks → “purchases by several insiders”.More in the Academy: Glossary
Sep 1, 2026Cooper Matthew WOfficerOpen-market sale · 10b5-1 plan3,500 shares · $749.4K · SEC
Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.
Trend score -65
Price vs. EMA 50-15
Price vs. EMA 200-15
EMA 50 vs. EMA 200-20
ADX (trend strength)+0
Highs and lows+0
Relative strength-15
Volatility and trend strength
ADX 14 (trend strength)18.2
Rel. strength 60 d−5.5%
ATR ATR (Average True Range)The average range per trading day over the last 14 days. It makes distances comparable, whether a stock costs 10 or 1,000.Example: ATR 2.50 at a price of 100: 0.4 ATR is 1.00, i.e. 1%.More in the Academy: Lesson ATR and moving averages as price values only when logged in.
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