Capital One Financial (COF) FCF Payout Ratio (2009 - 2026)

Capital One Financial (COF) posted quarterly FCF Payout Ratio of 0.09 for Q1 2026, up 69.39% YoY from 0.05 in Q1 2025, and up 33.45% sequentially from 0.07 in Q4 2025.

Capital One Financial (COF) FCF Payout Ratio (2009 - 2026) Analysis & Trends

Capital One Financial has disclosed FCF Payout Ratio across 18 years of filings, most recently posting 0.09 for Q1 2026.

  • In Q1 2026, FCF Payout Ratio rose 69.39% year-over-year to 0.09; the TTM figure through Mar 2026 stood at 0.07 (down 17.12% YoY), while the FY2025 annual figure was 0.06, up 5.51% from the prior year.
  • FCF Payout Ratio climbed to 0.09 in Q1 2026, from 0.07 in the prior quarter.
  • Over the last five years, FCF Payout Ratio for COF reached as high as 0.36 in Q4 2024 and fell as low as 0.81 in Q1 2022.
  • The 5-year median for FCF Payout Ratio is 0.07 (2025), against an average of 0.03.
  • Annual changes were most pronounced in 2022 — FCF Payout Ratio slumped 743.66% — and 2024, when it jumped 967.73%.
  • A 5-year view of FCF Payout Ratio shows it stood at 0.03 in 2022, then advanced by 16.03% to 0.03 in 2023, then jumped by 967.73% to 0.36 in 2024, then plunged by 81.1% to 0.07 in 2025, then surged by 33.45% to 0.09 in 2026.
  • According to Business Quant data, FCF Payout Ratio over the past three periods registered 0.09, 0.07, and 0.04 for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Cover (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 0.49
2 Mastercard 465.55 Bn 455.34 Bn - 0.28
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 0.22
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 0.14
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn -
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 0.02
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn -
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn -
10 Capital One Financial 1.43 Bn -75.06 Bn - 0.09

Historic Data

Download Data
DateValue
Mar 31, 2026 0.09
Dec 31, 2025 0.07
Sep 30, 2025 0.04
Jun 30, 2025 0.07
Mar 31, 2025 0.05
Dec 31, 2024 0.36
Sep 30, 2024 0.04
Jun 30, 2024 0.04
Mar 31, 2024 0.09
Dec 31, 2023 0.03
Sep 30, 2023 0.03
Jun 30, 2023 0.07
Mar 31, 2023 0.08
Dec 31, 2022 0.03
Sep 30, 2022 0.09
Jun 30, 2022 0.09
Mar 31, 2022 -0.81
Dec 31, 2021 0.21
Sep 30, 2021 0.30
Jun 30, 2021 0.05