Capital One Financial (COF-PN) EBITDA Margin (2009 - 2026)

Capital One Financial (COF-PN) posted quarterly EBITDA Margin of 44.55% for Q1 2026, up 1294.0% YoY from 3.2% in Q1 2025, and up 9.84% sequentially from 40.56% in Q4 2025.

Capital One Financial (COF-PN) EBITDA Margin (2009 - 2026) Analysis & Trends

Capital One Financial has disclosed EBITDA Margin across 18 years of filings, most recently posting 44.55% for Q1 2026.

  • In Q1 2026, EBITDA Margin rose 1294.0% year-over-year to 44.55%; the TTM figure through Mar 2026 stood at 31.16% (down 579.0% YoY), while the FY2025 annual figure was 33.87%, down 1915.0% from the prior year.
  • EBITDA Margin grew to 44.55% in Q1 2026, from 40.56% in the prior quarter.
  • Over the last five years, EBITDA Margin for COF-PN reached as high as 60.56% in Q3 2023 and fell as low as 28.55% in Q2 2025.
  • The 5-year median for EBITDA Margin is 38.43% (2022), against an average of 25.78%.
  • Annual changes were most pronounced in 2022 — EBITDA Margin sank 5770 bps — and 2023, when it soared 5149 bps.
  • A 5-year view of EBITDA Margin shows it stood at 38.77% in 2022, then grew by 24 bps to 47.95% in 2023, then increased by 4 bps to 49.83% in 2024, then fell by 19 bps to 40.56% in 2025, then increased by 10 bps to 44.55% in 2026.
  • According to Business Quant data, EBITDA Margin over the past three periods registered 44.55%, 40.56%, and 56.91% for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBITDA Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 64.42%
2 Mastercard 465.55 Bn 455.34 Bn - 58.43%
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 18.77%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 17.81%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 28.77%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 13.91%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 15.79%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 24.11%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 15.96%
10 Capital One Financial - - - 44.55%

Historic Data

Download Data
DateValue
Mar 31, 2026 44.55%
Dec 31, 2025 40.56%
Sep 30, 2025 56.91%
Jun 30, 2025 -28.55%
Mar 31, 2025 31.61%
Dec 31, 2024 49.83%
Sep 30, 2024 59.94%
Jun 30, 2024 4.52%
Mar 31, 2024 0.15%
Dec 31, 2023 47.95%
Sep 30, 2023 60.56%
Jun 30, 2023 1.70%
Mar 31, 2023 26.24%
Dec 31, 2022 38.77%
Sep 30, 2022 38.43%
Jun 30, 2022 -9.62%
Mar 31, 2022 -25.25%
Dec 31, 2021 42.37%
Sep 30, 2021 55.79%
Jun 30, 2021 48.07%