Capital One Financial (COF) EBIT Margin (2009 - 2026)
Capital One Financial (COF) reported EBIT Margin of 44.55% for Q1 2026, down 679.0% year-over-year from 7.69% in Q1 2025, and up 9.84% on a QoQ basis from 40.56% in Q4 2025.
Capital One Financial (COF) EBIT Margin (2009 - 2026) Analysis & Trends
Capital One Financial (COF) has 18 years of EBIT Margin data on file, last reported at 44.55% in Q1 2026.
- Quarterly EBIT Margin fell 679.0% year-over-year to 44.55% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 33.67% (down 1821.0% YoY) and the FY2025 annual result came in at 33.87%, down 1915.0% from the prior year.
- EBIT Margin rose to 44.55% in Q1 2026 per COF's latest filing, from 40.56% in the prior quarter.
- Across five years, EBIT Margin topped out at 60.56% in Q3 2023 and bottomed at 16.78% in Q2 2025.
- The 5-year median for EBIT Margin is 46.13% (2024), against an average of 44.01%.
- The widest annual swing landed in 2023, when EBIT Margin surged 2213 bps; it then slumped 6291 bps in 2025.
- Tracing COF's EBIT Margin over 5 years: stood at 38.77% in 2022, then advanced by 24 bps to 47.95% in 2023, then climbed by 4 bps to 49.83% in 2024, then dropped by 19 bps to 40.56% in 2025, then climbed by 10 bps to 44.55% in 2026.
- Per Business Quant, the three latest COF EBIT Margin figures stand at 44.55% (Q1 2026), 40.56% (Q4 2025), and 56.91% (Q3 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 64.42% |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 58.43% |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 44.55% |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 17.81% |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 26.44% |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 42.26% |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 3.39% |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 35.49% |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 24.11% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 44.55% |
| Dec 31, 2025 | 40.56% |
| Sep 30, 2025 | 56.91% |
| Jun 30, 2025 | -16.78% |
| Mar 31, 2025 | 51.34% |
| Dec 31, 2024 | 49.83% |
| Sep 30, 2024 | 59.94% |
| Jun 30, 2024 | 46.13% |
| Mar 31, 2024 | 56.06% |
| Dec 31, 2023 | 47.95% |
| Sep 30, 2023 | 60.56% |
| Jun 30, 2023 | 53.05% |
| Mar 31, 2023 | 41.91% |
| Dec 31, 2022 | 38.77% |
| Sep 30, 2022 | 38.43% |
| Jun 30, 2022 | 38.17% |
| Mar 31, 2022 | 40.77% |
| Dec 31, 2021 | 42.37% |
| Sep 30, 2021 | 55.79% |
| Jun 30, 2021 | 67.32% |