Capital One Financial (COF) EBT Margin (2009 - 2026)
Capital One Financial (COF) reported EBT Margin of 17.72% for Q1 2026, up 43.0% year-over-year from 12.39% in Q1 2025, and up 31.56% on a QoQ basis from 13.47% in Q4 2025.
Capital One Financial (COF) EBT Margin (2009 - 2026) Analysis & Trends
Capital One Financial (COF) has 18 years of EBT Margin data on file, last reported at 17.72% in Q1 2026.
- Quarterly EBT Margin rose 43.0% year-over-year to 17.72% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 5.54% (down 971.0% YoY) and the FY2025 annual result came in at 4.27%, down 1084.0% from the prior year.
- EBT Margin improved to 17.72% in Q1 2026 per COF's latest filing, from 13.47% in the prior quarter.
- Across five years, EBT Margin topped out at 36.03% in Q1 2022 and bottomed at 47.46% in Q2 2025.
- The 5-year median for EBT Margin is 17.29% (2025), against an average of 15.56%.
- Peak annual rise in EBT Margin reached 638 bps in 2025, while the deepest fall reached 5431 bps in 2025.
- Tracing COF's EBT Margin over 5 years: stood at 17.08% in 2022, then tumbled by 43 bps to 9.8% in 2023, then soared by 46 bps to 14.32% in 2024, then fell by 6 bps to 13.47% in 2025, then surged by 32 bps to 17.72% in 2026.
- Per Business Quant, the three latest COF EBT Margin figures stand at 17.72% (Q1 2026), 13.47% (Q4 2025), and 28.53% (Q3 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 63.88% |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 57.30% |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 19.98% |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 17.72% |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 16.68% |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 32.10% |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 21.96% |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 18.14% |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 19.03% |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 27.07% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 17.72% |
| Dec 31, 2025 | 13.47% |
| Sep 30, 2025 | 28.53% |
| Jun 30, 2025 | -47.46% |
| Mar 31, 2025 | 17.29% |
| Dec 31, 2024 | 14.32% |
| Sep 30, 2024 | 22.15% |
| Jun 30, 2024 | 6.85% |
| Mar 31, 2024 | 16.83% |
| Dec 31, 2023 | 9.80% |
| Sep 30, 2023 | 23.72% |
| Jun 30, 2023 | 19.17% |
| Mar 31, 2023 | 13.06% |
| Dec 31, 2022 | 17.08% |
| Sep 30, 2022 | 24.84% |
| Jun 30, 2022 | 31.15% |
| Mar 31, 2022 | 36.03% |
| Dec 31, 2021 | 37.68% |
| Sep 30, 2021 | 50.91% |
| Jun 30, 2021 | 61.95% |