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
DateValue
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%