Capital One Financial (COF) EBT Margin (2009 - 2026)
Capital One Financial (COF) posted quarterly EBT Margin of 30.28% for Q2 2026, up 7774.0% year-over-year from 0.38% in Q2 2025, and up 35.47% quarter-over-quarter from 22.35% in Q1 2026.
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Capital One Financial (COF) EBT Margin (2009 - 2026) Analysis & Trends
Capital One Financial (COF) has reported EBT Margin for 18 consecutive years, with 30.28% the latest figure, recorded in Q2 2026.
- In Q2 2026, EBT Margin rose 7774.0% year-over-year to 30.28%; the TTM figure through Jun 2026 stood at 29.52% (up 3071.0% YoY), while the FY2025 annual figure was 4.27%, down 1084.0% from the prior year.
- EBT Margin climbed to 30.28% in Q2 2026 per COF's latest filing, from 22.35% in the prior quarter.
- Across five years, EBT Margin topped out at 52.67% in Q4 2025 and bottomed at 47.46% in Q2 2025.
- Historically, EBT Margin has averaged 18.57% across 5 years, with a median of 20.66% in 2024.
- Annual changes were most pronounced in 2025 — EBT Margin plunged 5431 bps — and 2026, when it jumped 7774 bps.
- Capital One Financial's EBT Margin stood at 16.16% in 2022, then slumped by 54 bps to 7.45% in 2023, then soared by 70 bps to 12.67% in 2024, then jumped by 316 bps to 52.67% in 2025, then sank by 43 bps to 30.28% in 2026.
- Business Quant data shows COF's EBT Margin at 30.28% in Q2 2026, 22.35% in Q1 2026, and 52.67% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 58.74% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 59.14% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 20.73% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 24.09% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 15.09% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 14.50% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 24.62% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 16.76% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 23.49% |
| 10 | FirstCash Holdings | 9.51 Bn | 9.34 Bn | 533.67 Mn | 11.82% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 24.09% |
| 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 | 12.66% |
| 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% |