Capital One Financial (COF-PL) Net Margin (2009 - 2026)
Capital One Financial (COF-PL) reported Net Margin of 13.66% for Q1 2026, up 41.0% year-over-year from 9.69% in Q1 2025, and up 3.15% quarter-over-quarter from 13.25% in Q4 2025.
Capital One Financial (COF-PL) Net Margin (2009 - 2026) Analysis & Trends
Capital One Financial (COF-PL) has 18 years of Net Margin data on file, last reported at 13.66% in Q1 2026.
- Net Margin for Q1 2026 came in at 13.66%, up 41.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 4.93% (down 658.0% YoY), and the FY2025 annual result was 4.08%, down 728.0% from the prior year.
- Net Margin advanced to 13.66% in Q1 2026 per COF-PL's latest filing, from 13.25% in the prior quarter.
- Over five years, Net Margin peaked at 28.36% in Q1 2022 and troughed at 34.74% in Q2 2025.
- A 5-year average of 11.99% and a median of 13.25% in 2025 frame the typical range for Net Margin.
- The sharpest annual moves came in 2024 and 2025: Net Margin surged 331 bps in 2024, then slumped 4033 bps in 2025.
- A 5-year view of Net Margin shows it stood at 12.84% in 2022, then tumbled 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.
- Business Quant data shows COF-PL's Net Margin at 13.66% in Q1 2026, 13.25% in Q4 2025, and 20.09% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 53.62% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 46.23% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 15.71% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 13.66% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 13.32% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 16.44% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 30.76% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 15.15% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 13.84% |
| 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% |