Capital One Financial Corporation (COF) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 12.14B | 12.47B | 12.4B | 9.99B | 8.01B | 8.1B | 8.08B | 7.55B | 7.49B | 7.52B | 7.42B | 7.11B | 7.19B | 7.2B | 7B | 6.52B | 6.4B | 6.45B | 6.16B | 5.74B |
| NII Growth % | 51.57% | 53.94% | 53.59% | 32.45% | 7.01% | 7.7% | 8.8% | 6.09% | 4.2% | 4.47% | 6% | 9.15% | 12.33% | 11.58% | 13.76% | 13.48% | 9.88% | 9.82% | 10.82% | 5.18% |
| Net Interest Margin % | 1.78% | 1.86% | 1.87% | 1.52% | 1.62% | 1.65% | 1.66% | 1.57% | 1.55% | 1.57% | 1.57% | 1.52% | 1.52% | 1.58% | 1.58% | 1.48% | 1.47% | 1.49% | 1.45% | 1.36% |
| Interest Income | 16.23B | 16.69B | 16.76B | 13.83B | 11.42B | 11.72B | 11.86B | 11.28B | 11.18B | 11.14B | 10.87B | 10.17B | 9.75B | 9.16B | 8.2B | 7.09B | 6.78B | 6.83B | 6.54B | 6.14B |
| Interest Expense | 4.09B | 4.22B | 4.36B | 3.83B | 3.4B | 3.62B | 3.78B | 3.73B | 3.69B | 3.63B | 3.45B | 3.05B | 2.57B | 1.96B | 1.2B | 578M | 387M | 381M | 382M | 396M |
| Loan Loss Provision | 4.07B | 4.14B | 2.71B | 11.43B | 2.37B | 2.64B | 2.48B | 3.91B | 2.68B | 2.86B | 2.28B | 2.49B | 2.79B | 2.42B | 1.67B | 1.08B | 677M | 381M | -342M | -1.16B |
| Non-Interest Income | 3.09B | 2.93B | 3.06B | 2.58B | 1.99B | 2.09B | 1.94B | 1.99B | 1.91B | 1.99B | 1.94B | 1.9B | 1.72B | 1.84B | 1.8B | 1.72B | 1.78B | 1.67B | 1.67B | 1.63B |
| Non-Interest Income % | 15.98% | 14.92% | 15.44% | 15.73% | 14.82% | 15.15% | 14.05% | 14.98% | 14.62% | 15.13% | 15.16% | 15.74% | 14.97% | 16.75% | 18.02% | 19.47% | 20.75% | 19.63% | 20.38% | 20.99% |
| Total Revenue | 19.32B | 19.61B | 19.82B | 16.41B | 13.4B | 13.81B | 13.8B | 13.27B | 13.09B | 13.13B | 12.82B | 12.06B | 11.47B | 11B | 10B | 8.81B | 8.56B | 8.5B | 8.21B | 7.77B |
| Revenue Growth % | 44.1% | 42.04% | 43.67% | 23.69% | 2.4% | 5.16% | 7.66% | 9.96% | 14.12% | 19.37% | 28.13% | 36.95% | 34.01% | 29.44% | 21.8% | 13.38% | 13.35% | 8.2% | 2.13% | 4.8% |
| Non-Interest Expense | 8.46B | 9.15B | 8.37B | 7.08B | 5.9B | 6.09B | 5.31B | 4.97B | 5.14B | 5.72B | 4.86B | 4.79B | 4.95B | 5.08B | 4.95B | 4.58B | 4.55B | 4.68B | 4.19B | 3.97B |
| Efficiency Ratio | 43.82% | 46.66% | 42.21% | 43.12% | 44.03% | 44.09% | 38.51% | 37.48% | 39.24% | 43.53% | 37.92% | 39.73% | 43.11% | 46.18% | 49.48% | 52.02% | 53.17% | 55.04% | 50.97% | 51.04% |
| Operating Income | 2.7B | 2.1B | 4.38B | -5.93B | 1.73B | 1.46B | 2.22B | 651M | 1.58B | 932M | 2.22B | 1.73B | 1.16B | 1.54B | 2.19B | 2.56B | 2.94B | 3.06B | 3.99B | 4.57B |
| Operating Margin % | 13.97% | 10.7% | 22.11% | -36.13% | 12.9% | 10.57% | 16.07% | 4.91% | 12.08% | 7.1% | 17.34% | 14.32% | 10.14% | 14.04% | 21.87% | 29.1% | 34.4% | 35.99% | 48.54% | 58.79% |
| Operating Income Growth % | 56.1% | 43.87% | 97.57% | -1010.75% | 9.29% | 56.55% | -0.18% | -62.33% | 36.03% | -39.64% | 1.6% | -32.61% | -60.51% | -49.53% | -45.13% | -43.87% | -29.81% | -0.16% | 13.82% | 412.88% |
| Pretax Income | 2.7B | 2.1B | 4.38B | -5.93B | 1.73B | 1.46B | 2.22B | 651M | 1.58B | 932M | 2.22B | 1.73B | 1.16B | 1.54B | 2.19B | 2.56B | 2.94B | 3.06B | 3.99B | 4.57B |
| Pretax Margin % | 13.97% | 10.7% | 22.11% | -36.13% | 12.9% | 10.57% | 16.07% | 4.91% | 12.08% | 7.1% | 17.34% | 14.32% | 10.14% | 14.04% | 21.87% | 29.1% | 34.4% | 35.99% | 48.54% | 58.79% |
| Income Tax | 518M | 345M | 1.19B | -1.67B | 325M | 366M | 441M | 54M | 302M | 226M | 432M | 297M | 203M | 312M | 493M | 533M | 542M | 633M | 882M | 1.03B |
| Effective Tax Rate % | 19.19% | 16.44% | 27.13% | 28.1% | 18.8% | 25.09% | 19.88% | 8.29% | 19.09% | 24.25% | 19.44% | 17.19% | 17.45% | 20.21% | 22.54% | 20.79% | 18.4% | 20.69% | 22.13% | 22.57% |
| Net Income | 2.17B | 2.13B | 3.19B | -4.28B | 1.4B | 1.1B | 1.78B | 597M | 1.28B | 706M | 1.79B | 1.43B | 960M | 1.23B | 1.69B | 2.03B | 2.4B | 2.42B | 3.1B | 3.54B |
| Net Margin % | 11.25% | 10.88% | 16.1% | -26.06% | 10.47% | 7.94% | 12.88% | 4.5% | 9.78% | 5.38% | 13.97% | 11.86% | 8.37% | 11.2% | 16.94% | 23.05% | 28.07% | 28.53% | 37.8% | 45.51% |
| Net Income Growth % | 54.84% | 94.71% | 79.63% | -816.42% | 9.69% | 55.24% | -0.73% | -58.28% | 33.33% | -42.69% | 5.67% | -29.54% | -60.05% | -49.2% | -45.43% | -42.56% | -27.73% | -5.49% | 29.01% | 485.19% |
| Net Income (Continuing) | 2.18B | 1.75B | 3.19B | -4.26B | 1.4B | 1.09B | 1.78B | 597M | 1.28B | 706M | 1.79B | 1.43B | 960M | 1.23B | 1.69B | 2.03B | 2.4B | 2.43B | 3.1B | 3.54B |
| EPS (Diluted) | 3.34 | 3.26 | 4.83 | -8.58 | 3.45 | 2.67 | 4.41 | 1.38 | 3.13 | 1.67 | 4.45 | 3.52 | 2.31 | 3.03 | 4.40 | 5.17 | 5.83 | 5.41 | 6.78 | 7.62 |
| EPS Growth % | -3.19% | 22.1% | 9.52% | -721.74% | 10.22% | 59.88% | -0.9% | -60.8% | 35.5% | -44.88% | 1.14% | -31.91% | -60.38% | -43.99% | -35.1% | -32.15% | -17.07% | 1.12% | 33.99% | 444.8% |
| EPS (Basic) | 3.34 | 3.26 | 4.83 | -8.58 | 3.46 | 2.67 | 4.42 | 1.39 | 3.14 | 1.67 | 4.46 | 3.53 | 2.32 | 3.03 | 4.42 | 5.19 | 5.86 | 5.43 | 6.81 | 7.65 |
| Diluted Shares Outstanding | 623.4M | 631.6M | 639.5M | 505.6M | 384M | 383.4M | 383.7M | 383.9M | 383.4M | 382.8M | 383.3M | 383.7M | 383.8M | 383.7M | 384.6M | 392.6M | 412.2M | 424.3M | 440.5M | 452.3M |