Capital One Financial (COF) Net Margin (2009 - 2026)
Capital One Financial (COF) reported Net Margin of 13.66% for Q1 2026, up 41.0% year-over-year from 9.69% in Q1 2025, and up 3.15% on a QoQ basis from 13.25% in Q4 2025.
Capital One Financial (COF) Net Margin (2009 - 2026) Analysis & Trends
Capital One Financial (COF) has 18 years of Net Margin data on file, last reported at 13.66% in Q1 2026.
- Quarterly Net Margin rose 41.0% year-over-year to 13.66% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 4.93% (down 658.0% YoY) and the FY2025 annual result came in at 4.08%, down 728.0% from the prior year.
- Net Margin climbed to 13.66% in Q1 2026 per COF's latest filing, from 13.25% in the prior quarter.
- Across five years, Net Margin topped out at 28.36% in Q1 2022 and bottomed at 34.74% in Q2 2025.
- The 5-year median for Net Margin is 13.25% (2025), against an average of 11.99%.
- The widest annual swing landed in 2024, when Net Margin soared 331 bps; it then plunged 4033 bps in 2025.
- Tracing COF's Net Margin over 5 years: stood at 12.84% in 2022, then sank by 48 bps to 6.72% in 2023, then soared by 49 bps to 10.03% in 2024, then surged by 32 bps to 13.25% in 2025, then rose by 3 bps to 13.66% in 2026.
- Per Business Quant, the three latest COF Net Margin figures stand at 13.66% (Q1 2026), 13.25% (Q4 2025), and 20.09% (Q3 2025).
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 53.62% |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 46.23% |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 15.71% |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 13.66% |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 13.32% |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 30.76% |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 16.44% |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 15.15% |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 13.84% |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 21.04% |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 | 12.84% |
| 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% |
| Jun 30, 2021 | 46.73% |