Capital One Financial (COF-PK) Net Margin (2009 - 2026)
Capital One Financial (COF-PK) posted quarterly Net Margin of 13.66% for Q1 2026, up 41.0% YoY from 9.69% in Q1 2025, and up 3.15% sequentially from 13.25% in Q4 2025.
Capital One Financial (COF-PK) Net Margin (2009 - 2026) Analysis & Trends
Capital One Financial has disclosed Net Margin across 18 years of filings, most recently posting 13.66% for Q1 2026.
- In Q1 2026, Net Margin rose 41.0% year-over-year to 13.66%; the TTM figure through Mar 2026 stood at 4.93% (down 658.0% YoY), while the FY2025 annual figure was 4.08%, down 728.0% from the prior year.
- Net Margin improved to 13.66% in Q1 2026, from 13.25% in the prior quarter.
- Over the last five years, Net Margin for COF-PK reached as high as 28.36% in Q1 2022 and fell as low as 34.74% in Q2 2025.
- The 5-year median for Net Margin is 13.25% (2025), against an average of 11.99%.
- Annual changes were most pronounced in 2024 — Net Margin surged 331 bps — and 2025, when it plunged 4033 bps.
- A 5-year view of Net Margin shows it stood at 12.84% in 2022, then sank by 48 bps to 6.72% in 2023, then surged by 49 bps to 10.03% in 2024, then jumped by 32 bps to 13.25% in 2025, then advanced by 3 bps to 13.66% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 13.66%, 13.25%, and 20.09% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 53.62% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 46.23% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 15.71% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 13.32% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 30.76% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 15.15% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 13.84% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 21.04% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 14.05% |
| 10 | Capital One Financial | - | - | - | 13.66% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 13.66% |
| Dec 31, 2025 | 13.25% |
| Sep 30, 2025 | 20.09% |
| Jun 30, 2025 | -34.74% |
| Mar 31, 2025 | 13.25% |
| Dec 31, 2024 | 10.03% |
| Sep 30, 2024 | 16.90% |
| Jun 30, 2024 | 5.59% |
| Mar 31, 2024 | 12.76% |
| Dec 31, 2023 | 6.72% |
| Sep 30, 2023 | 18.20% |
| Jun 30, 2023 | 14.99% |
| Mar 31, 2023 | 9.96% |
| Dec 31, 2022 | 12.84% |
| Sep 30, 2022 | 18.35% |
| Jun 30, 2022 | 23.68% |
| Mar 31, 2022 | 28.36% |
| Dec 31, 2021 | 28.28% |
| Sep 30, 2021 | 38.15% |
| Jun 30, 2021 | 46.73% |