Capital One Financial (COF) Interest Coverage Ratio (2009 - 2026)
Capital One Financial (COF) posted quarterly Interest Coverage Ratio of 1.53 for Q2 2026, up 379.14% year-over-year from 0.32 in Q2 2025, and up 11.2% quarter-over-quarter from 1.37 in Q1 2026.
Capital One Financial (COF) Interest Coverage Ratio (2009 - 2026) Analysis & Trends
Capital One Financial (COF) has reported Interest Coverage Ratio for 18 consecutive years, with 1.53 the latest figure, recorded in Q2 2026.
- In Q2 2026, Interest Coverage Ratio rose 379.14% year-over-year to 1.53; the TTM figure through Jun 2026 stood at 6.57 (up 584.14% YoY), while the FY2025 annual figure was 1.14, down 18.19% from the prior year.
- Interest Coverage Ratio rose to 1.53 in Q2 2026 per COF's latest filing, from 1.37 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 6.79 in Q1 2022 and bottomed at 0.55 in Q2 2025.
- Historically, Interest Coverage Ratio has averaged 2.06 across 5 years, with a median of 1.58 in 2024.
- Annual changes were most pronounced in 2025 — Interest Coverage Ratio tumbled 146.56% — and 2026, when it soared 379.14%.
- Capital One Financial's Interest Coverage Ratio stood at 2.07 in 2022, then increased by 20.29% to 2.49 in 2023, then tumbled by 34.23% to 1.64 in 2024, then slumped by 30.74% to 1.13 in 2025, then surged by 34.76% to 1.53 in 2026.
- Business Quant data shows COF's Interest Coverage Ratio at 1.53 in Q2 2026, 1.37 in Q1 2026, and 1.13 in Q4 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 35.45 |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 25.63 |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 1.53 |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.46 |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.22 |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 0.78 |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -3.03 |
| 10 | Ally Financial | 13.61 Bn | 5.77 Bn | 2.08 Bn | 0.46 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 1.53 |
| Mar 31, 2026 | 1.37 |
| Dec 31, 2025 | 1.13 |
| Sep 30, 2025 | 2.01 |
| Jun 30, 2025 | -0.55 |
| Mar 31, 2025 | 1.51 |
| Dec 31, 2024 | 1.64 |
| Sep 30, 2024 | 1.59 |
| Jun 30, 2024 | 1.17 |
| Mar 31, 2024 | 1.43 |
| Dec 31, 2023 | 2.49 |
| Sep 30, 2023 | 1.64 |
| Jun 30, 2023 | 1.57 |
| Mar 31, 2023 | 1.45 |
| Dec 31, 2022 | 2.07 |
| Sep 30, 2022 | 2.83 |
| Jun 30, 2022 | 5.44 |
| Mar 31, 2022 | 6.79 |
| Dec 31, 2021 | 9.03 |
| Sep 30, 2021 | 11.43 |