Capital One Financial (COF-PJ) FCF Margin (2009 - 2026)

Capital One Financial (COF-PJ) reported FCF Margin of 35.91% for Q1 2026, down 728.0% year-over-year from 5.72% in Q1 2025, and down 24.24% quarter-over-quarter from 47.4% in Q4 2025.

Capital One Financial (COF-PJ) FCF Margin (2009 - 2026) Analysis & Trends

Capital One Financial (COF-PJ) has 18 years of FCF Margin data on file, last reported at 35.91% in Q1 2026.

  • FCF Margin for Q1 2026 came in at 35.91%, down 728.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 46.52% (down 10.0% YoY), and the FY2025 annual result was 48.92%, up 557.0% from the prior year.
  • FCF Margin declined to 35.91% in Q1 2026 per COF-PJ's latest filing, from 47.4% in the prior quarter.
  • Over five years, FCF Margin peaked at 87.02% in Q4 2022 and troughed at 3.78% in Q1 2022.
  • A 5-year average of 44.7% and a median of 43.19% in 2025 frame the typical range for FCF Margin.
  • The sharpest annual moves came in 2023 and 2024: FCF Margin soared 4432 bps in 2023, then plunged 5141 bps in 2024.
  • A 5-year view of FCF Margin shows it stood at 87.02% in 2022, then fell by 17 bps to 71.94% in 2023, then plunged by 71 bps to 20.53% in 2024, then surged by 131 bps to 47.4% in 2025, then fell by 24 bps to 35.91% in 2026.
  • Business Quant data shows COF-PJ's FCF Margin at 35.91% in Q1 2026, 47.4% in Q4 2025, and 57.08% in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Margin (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 23.37%
2 Mastercard 437.55 Bn 427.34 Bn - 33.56%
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 14.04%
4 Capital One Financial 112.47 Bn 35.97 Bn - 35.91%
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 10.81%
6 Synchrony Financial 24.26 Bn 3.70 Bn - 45.78%
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 6,779.64%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -216.52%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 65.22%
10 Capital One Financial - - - 35.91%

Historic Data

Download Data
DateValue
Mar 31, 2026 35.91%
Dec 31, 2025 47.40%
Sep 30, 2025 57.08%
Jun 30, 2025 45.37%
Mar 31, 2025 43.19%
Dec 31, 2024 20.53%
Sep 30, 2024 61.37%
Jun 30, 2024 62.63%
Mar 31, 2024 29.39%
Dec 31, 2023 71.94%
Sep 30, 2023 73.35%
Jun 30, 2023 34.93%
Mar 31, 2023 30.97%
Dec 31, 2022 87.02%
Sep 30, 2022 29.03%
Jun 30, 2022 33.54%
Mar 31, 2022 -3.78%
Dec 31, 2021 55.04%
Sep 30, 2021 22.87%
Jun 30, 2021 52.82%