Capital One Financial (COF-PN) FCF Margin (2009 - 2026)
Capital One Financial (COF-PN) 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-PN) FCF Margin (2009 - 2026) Analysis & Trends
Capital One Financial (COF-PN) 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-PN'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-PN'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| Date | Value |
|---|---|
| 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% |