Financials Capital One Financial Corporation

Equities

COF

US14040H1059

Consumer Lending

Market Closed - Nyse Other stock markets 21:00:02 13/02/2026 GMT			5-day change	1st Jan Change
207.37 ^USD	+0.23%		-6.92%	-14.44%

02-05	Capital One Financial Insider Sold Shares Worth $734,565, According to a Recent SEC Filing	MT
02-03	Capital One Financial Corporation Announces Quarterly Dividend on Common Share , Payable on March 2, 2026	CI

Projected Income Statement: Capital One Financial Corporation

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	28,523	30,435	34,250	36,787	39,112	53,434	63,413	66,755
Change	-	6.7%	12.53%	7.41%	6.32%	36.62%	18.67%	5.27%
EBITDA	-	-	-	-	-	-	40,940	42,890
Change	-	-	-	-	-	-	-	4.76%
EBIT ¹	13,467	13,865	15,087	16,471	17,626	22,936	30,146	34,364
Change	-	2.96%	8.81%	9.17%	7.01%	30.13%	31.44%	13.99%
Interest Paid ¹	-	-1,598	-4,123	-12,697	-14,826	-15,818	-14,648	-13,678
Earnings before Tax (EBT) ¹	3,203	15,809	9,240	6,045	5,910	2,281	13,746	16,227
Change	-	393.57%	-41.55%	-34.58%	-2.23%	-61.4%	502.62%	18.05%
Net income ¹	2,375	11,965	7,044	4,582	4,445	2,181	10,506	12,534
Change	-	403.79%	-41.13%	-34.95%	-2.99%	-50.93%	381.72%	19.3%
Announcement Date	26/01/21	25/01/22	24/01/23	25/01/24	21/01/25	22/01/26	-	-

¹USD in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3
Net sales ¹	7,337	7,113	7,374	7,830	8,118	8,173	8,232	8,805	9,040	8,903	9,012	9,366	9,506	9,402	9,506	10,014	10,190	10,000	12,492	15,359	15,583	15,430	15,711	16,056	16,347	16,383	16,687	17,005
Change	-	-3.05%	3.67%	6.18%	3.68%	0.68%	0.72%	6.96%	2.67%	-1.52%	1.22%	3.93%	1.49%	-1.09%	1.11%	5.34%	1.76%	-1.86%	24.92%	22.95%	1.46%	-0.98%	1.82%	2.19%	1.81%	0.22%	1.85%	1.91%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	3,328	3,373	3,408	3,644	3,440	3,622	3,649	3,856	3,960	3,958	4,218	4,506	3,789	4,265	4,560	4,700	4,101	4,098	5,501	7,096	6,241	7,120	7,545	7,738	7,586	7,931	8,245	8,484
Change	-	1.35%	1.04%	6.92%	-5.6%	5.29%	0.75%	5.67%	2.7%	-0.05%	6.57%	6.83%	-15.91%	12.56%	6.92%	3.07%	-12.74%	-0.07%	34.24%	28.99%	-12.05%	14.08%	5.97%	2.56%	-1.95%	4.54%	3.96%	2.9%
Charge d'intérêts ¹	-	-439	-396	-382	-381	-387	-578	-1,197	-1,961	-2,568	-3,053	-3,450	-3,626	-3,689	-3,734	-3,784	-3,619	-3,405	-3,833	-4,359	-4,221	-3,897	-3,781	-3,553	-3,417	-3,351	-3,384	-3,461
Earnings before Tax (EBT) ¹	3,064	4,196	4,568	3,986	3,059	2,945	2,564	2,187	1,544	1,163	1,728	2,222	932	1,582	651	2,218	1,459	1,729	-5,929	4,382	2,099	3,307	3,531	3,882	3,348	4,466	4,189	4,610
Change	-	36.95%	8.87%	-12.74%	-23.26%	-3.73%	-12.94%	-14.7%	-29.4%	-24.68%	48.58%	28.59%	-58.06%	69.74%	-58.85%	240.71%	-34.22%	18.51%	-442.91%	173.91%	-52.1%	57.56%	6.76%	9.96%	-13.76%	33.39%	-6.2%	10.06%
Net income ¹	2,462	3,236	3,446	2,987	2,296	2,318	1,949	1,616	1,161	887	1,351	1,705	639	1,200	531	1,692	1,022	1,325	-4,340	3,086	2,057	2,478	2,700	2,947	2,588	3,234	3,253	3,541
Change	-	31.44%	6.49%	-13.32%	-23.13%	0.96%	-15.92%	-17.09%	-28.16%	-23.6%	52.31%	26.2%	-62.52%	87.79%	-55.75%	218.64%	-39.6%	29.65%	-427.55%	171.11%	-33.34%	20.46%	8.97%	9.16%	-12.18%	24.95%	0.58%	8.84%
Announcement Date	26/01/21	27/04/21	22/07/21	26/10/21	25/01/22	26/04/22	21/07/22	27/10/22	24/01/23	27/04/23	20/07/23	26/10/23	25/01/24	25/04/24	23/07/24	24/10/24	21/01/25	22/04/25	22/07/25	21/10/25	22/01/26	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: Capital One Financial Corporation

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt ¹	35,831	21,340	17,859	6,559	2,321	35,116	35,093	35,056
Change	-	-40.44%	-16.31%	-63.27%	-64.61%	1,412.97%	5.66%	-0.11%
Announcement Date	26/01/21	25/01/22	24/01/23	25/01/24	21/01/25	22/01/26	-	-

¹USD in Million

Estimates

Cash Flow Forecast: Capital One Financial Corporation

Fiscal Period: December	2026	2027
CAPEX ¹	-	-
Change	-	-
Free Cash Flow (FCF) ¹	12,547	14,396
Change	-	14.74%
Announcement Date	-	-

¹USD in Million

Estimates

Forecast Financial Ratios: Capital One Financial Corporation

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	64.56%	64.25%
EBIT Margin (%)	47.21%	45.56%	44.05%	44.77%	45.07%	42.92%	47.54%	51.48%
EBT Margin (%)	11.23%	51.94%	26.98%	16.43%	15.11%	4.27%	21.68%	24.31%
Net margin (%)	8.33%	39.31%	20.57%	12.46%	11.36%	4.08%	16.57%	18.78%
FCF margin (%)	-	-	-	-	-	-	19.79%	21.57%
FCF / Net Income (%)	-	-	-	-	-	-	119.42%	114.86%
Profitability
ROA	0.66%	2.92%	1.67%	1.04%	0.99%	0.35%	1.7%	1.86%
ROE	4.49%	21.01%	14.01%	9.1%	8.08%	12.17%	10.74%	12.23%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	0.86x	0.82x
Debt / Free cash flow	-	-	-	-	-	-	2.8x	2.44x
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	37.09	33.51	42.39	-	-	-	-	-
Change	-	-9.65%	26.5%	-	-	-	-	-
Dividend per Share ¹	1	2.6	2.4	2.4	2.4	2.6	3.231	3.422
Change	-	160%	-7.69%	0%	0%	8.33%	24.91%	5.91%
Book Value Per Share ¹	131.2	147.4	137.9	152.7	159.5	173.1	183.8	197.2
Change	-	12.42%	-6.47%	10.73%	4.42%	8.56%	6.37%	7.32%
EPS ¹	5.18	26.94	17.91	11.95	11.59	4.03	17.13	22.39
Change	-	420.08%	-33.52%	-33.28%	-3.01%	-65.23%	369.36%	30.75%
Nbr of stocks (in thousands)	457,397	425,622	381,699	380,847	381,510	625,100	625,100	625,100
Announcement Date	26/01/21	25/01/22	24/01/23	25/01/24	21/01/25	22/01/26	-	-