Capital One Financial (COF) FCF Margin (2009 - 2026)
Capital One Financial (COF) posted quarterly FCF Margin of 64.06% for Q2 2026, up 1870.0% year-over-year from 3.25% in Q2 2025, and up 41.41% quarter-over-quarter from 45.3% in Q1 2026.
Capital One Financial (COF) FCF Margin (2009 - 2026) Analysis & Trends
Capital One Financial (COF) has reported FCF Margin for 18 consecutive years, with 64.06% the latest figure, recorded in Q2 2026.
- In Q2 2026, FCF Margin rose 1870.0% year-over-year to 64.06%; the TTM figure through Jun 2026 stood at 67.46% (up 2606.0% YoY), while the FY2025 annual figure was 48.92%, up 557.0% from the prior year.
- FCF Margin improved to 64.06% in Q2 2026 per COF's latest filing, from 45.3% in the prior quarter.
- Across five years, FCF Margin topped out at 185.37% in Q4 2025 and bottomed at 3.84% in Q1 2022.
- Historically, FCF Margin has averaged 52.61% across 5 years, with a median of 45.33% in 2025.
- Annual changes were most pronounced in 2024 — FCF Margin slumped 3652 bps — and 2025, when it soared 16720 bps.
- Capital One Financial's FCF Margin stood at 82.34% in 2022, then sank by 34 bps to 54.69% in 2023, then sank by 67 bps to 18.17% in 2024, then jumped by 920 bps to 185.37% in 2025, then sank by 65 bps to 64.06% in 2026.
- Business Quant data shows COF's FCF Margin at 64.06% in Q2 2026, 45.3% in Q1 2026, and 185.37% in Q4 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 639.95 Bn | 627.59 Bn | - | 52.76% |
| 2 | Mastercard | 526.89 Bn | 513.41 Bn | - | 37.82% |
| 3 | American Express | 228.07 Bn | 178.76 Bn | 17.99 Bn | 22.78% |
| 4 | Capital One Financial | 134.45 Bn | 79.73 Bn | - | 50.96% |
| 5 | PayPal Holdings | 54.65 Bn | 43.39 Bn | - | 20.44% |
| 6 | Synchrony Financial | 26.75 Bn | 10.56 Bn | - | 50.23% |
| 7 | Affirm Holdings | 26.25 Bn | 24.53 Bn | - | -1,015.53% |
| 8 | SoFi Technologies | 24.32 Bn | 21.19 Bn | 1.02 Bn | -327.16% |
| 9 | Ally Financial | 13.14 Bn | 5.30 Bn | 2.08 Bn | 59.19% |
| 10 | FirstCash Holdings | 10.08 Bn | 9.90 Bn | 533.67 Mn | 7.73% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 64.06% |
| Mar 31, 2026 | 45.30% |
| Dec 31, 2025 | 185.37% |
| Sep 30, 2025 | 57.08% |
| Jun 30, 2025 | 45.37% |
| Mar 31, 2025 | 43.19% |
| Dec 31, 2024 | 18.17% |
| Sep 30, 2024 | 61.37% |
| Jun 30, 2024 | 62.63% |
| Mar 31, 2024 | 29.39% |
| Dec 31, 2023 | 54.69% |
| Sep 30, 2023 | 73.35% |
| Jun 30, 2023 | 34.93% |
| Mar 31, 2023 | 30.97% |
| Dec 31, 2022 | 82.34% |
| Sep 30, 2022 | 29.03% |
| Jun 30, 2022 | 33.54% |
| Mar 31, 2022 | -3.84% |
| Dec 31, 2021 | 55.04% |
| Sep 30, 2021 | 22.87% |