Capital One Financial (COF) EBITDA Margin (2009 - 2026)
Capital One Financial (COF) 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) 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 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 | 1.43 Bn | -75.06 Bn | - | 44.55% |
Historic Data
Download Data| Date | Value |
|---|---|
| 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% |