Capital One Financial (COF) Net Margin (2009 - 2026)
Capital One Financial (COF) posted quarterly Net Margin of 23.28% for Q2 2026, up 5802.0% year-over-year from 0.39% in Q2 2025, and up 35.06% quarter-over-quarter from 17.24% in Q1 2026.
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Analysis
Capital One Financial (COF) Net Margin (2009 - 2026) Analysis & Trends
Capital One Financial (COF) has reported Net Margin for 18 consecutive years, with 23.28% the latest figure, recorded in Q2 2026.
- In Q2 2026, Net Margin rose 5802.0% year-over-year to 23.28%; the TTM figure through Jun 2026 stood at 23.09% (up 2377.0% YoY), while the FY2025 annual figure was 4.08%, down 728.0% from the prior year.
- Net Margin improved to 23.28% in Q2 2026 per COF's latest filing, from 17.24% in the prior quarter.
- Across five years, Net Margin topped out at 51.79% in Q4 2025 and bottomed at 34.74% in Q2 2025.
- Historically, Net Margin has averaged 14.79% across 5 years, with a median of 15.94% in 2024.
- Annual changes were most pronounced in 2025 — Net Margin slumped 4033 bps — and 2026, when it surged 5802 bps.
- Capital One Financial's Net Margin stood at 12.15% in 2022, then tumbled by 58 bps to 5.11% in 2023, then surged by 74 bps to 8.88% in 2024, then surged by 483 bps to 51.79% in 2025, then slumped by 55 bps to 23.28% in 2026.
- Business Quant data shows COF's Net Margin at 23.28% in Q2 2026, 17.24% in Q1 2026, and 51.79% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 48.38% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 47.30% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 15.84% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 18.52% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 12.72% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 138.65% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 17.93% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 12.85% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 16.05% |
| 10 | FirstCash Holdings | 9.51 Bn | 9.34 Bn | 533.67 Mn | 8.70% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 18.52% |
| Mar 31, 2026 | 13.66% |
| Dec 31, 2025 | 13.25% |
| Sep 30, 2025 | 20.09% |
| Jun 30, 2025 | -34.74% |
| Mar 31, 2025 | 13.25% |
| Dec 31, 2024 | 10.03% |
| Sep 30, 2024 | 16.90% |
| Jun 30, 2024 | 5.59% |
| Mar 31, 2024 | 12.76% |
| Dec 31, 2023 | 6.72% |
| Sep 30, 2023 | 18.20% |
| Jun 30, 2023 | 14.99% |
| Mar 31, 2023 | 9.96% |
| Dec 31, 2022 | 9.52% |
| Sep 30, 2022 | 18.35% |
| Jun 30, 2022 | 23.68% |
| Mar 31, 2022 | 28.36% |
| Dec 31, 2021 | 28.28% |
| Sep 30, 2021 | 38.15% |