COFCapital One
Capital One Financial Corporation, a Delaware corporation established in 1994 and headquartered in McLean, Virginia, is a diversified financial services holding company with banking and non-banking subsidiaries. 10-K, Item 1
- Employees
- 76,300
- Headquarters
- Mclean, VA
- CEO
- Richard D. Fairbank
- Next results
- around Jan 21, 2027
Numbers that matter for banks, which general screens compare wrongly. Some come from the 10-K's XBRL. The rest are quoted from the company's own filings, because there is no standard tag for them: the sentence is the source.
Net interest margin
8.4% 10-Q filed 2026-11-03What the bank earns on loans and securities minus what it pays on deposits, as % of earning assets.
“Net interest margin increased by 5 bps to 8.41% in the third quarter of 2026 compared to the third quarter of 2025 primarily driven by lower rates paid on deposits, partially offset by lower asset yields.”
Read it in the filing ↗
Efficiency ratio
57.1% fiscal year to Dec 31, 2025Non-interest expense as % of revenue. Lower is leaner.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 54.4% | 56.0% | 55.2% | 54.9% | 57.1% |
XBRL: NoninterestExpense, 0000927628-26-000024; InterestIncomeExpenseNet, 0000927628-26-000024; NoninterestIncome, 0000927628-26-000024
Return on tangible common equity
3.6% fiscal year to Dec 31, 2025Net income over common equity without goodwill and intangibles (net income is before preferred dividends, so this runs a little high for banks with preferred stock).
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 26.9% | 19.6% | 11.4% | 10.4% | 3.6% |
XBRL: NetIncomeLoss, 0000927628-26-000024; StockholdersEquity, 0000927628-26-000152; PreferredStockValue, 0000927628-26-000152; Goodwill, 0000927628-26-000152; IntangibleAssetsNetExcludingGoodwill, 0000927628-26-000152
Net interest income
$42.9B fiscal year to Dec 31, 2025Interest earned minus interest paid.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| $24.2B | $27.1B | $29.2B | $31.2B | $42.9B |
XBRL: InterestIncomeExpenseNet, 0000927628-26-000024
Work on COF in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/COF/export.csv") into a cell.