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Net Profit Margin for Capital One Financial (COF)

As of · Reported

Metric

TTM

4.3%

YoY change

−5.26pp

Trough year (2008)

-0.3%

Peak year (2021)

38.7%

Net Profit Margin history chart for Capital One Financial (COF) from 1994 to 2025

Latest: 3.5%

Net Profit Margin change chart for Capital One Financial (COF) from 1994 to 2025

Latest: −5.26pp

Net Profit Margin history table for Capital One Financial (COF) from 1994 to 2025

  • 20253.5%-5.26pp
  • 20248.8%-1.07pp
  • 20239.9%-9.30pp
  • 202219.2%-19.50pp
  • 202138.7%+30.10pp
  • 20208.6%-7.85pp
  • 201916.4%-2.44pp
  • 201818.9%+12.26pp
  • 20176.6%-7.02pp
  • 201613.6%-2.54pp
  • 201516.2%-2.38pp
  • 201418.6%+0.61pp
  • 201317.9%+1.89pp
  • 201216.0%-0.94pp
  • 201117.0%+2.60pp
  • 201014.4%+8.85pp
  • 20095.5%+5.80pp
  • 2008-0.3%-8.51pp
  • 20078.3%-7.67pp
  • 200615.9%+0.95pp
  • 200515.0%+0.50pp
  • 200414.5%+2.87pp
  • 200311.6%+2.28pp
  • 20029.3%+0.63pp
  • 20018.7%+0.18pp
  • 20008.5%-0.65pp
  • 19999.2%-1.43pp
  • 199810.6%-0.01pp
  • 199710.6%-0.31pp
  • 199610.9%-1.61pp
  • 199512.5%-2.00pp
  • 199414.5%—

Net Profit Margin values are taken from Capital One Financial's reported income statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.

About Net Profit Margin at Capital One Financial (COF)

According to Capital One Financial's latest reported financial statements, the company's latest reported net margin is 4.3%. Net profit margin is net income divided by revenue — the bottom-line share of each sales dollar that remains after all costs, including operating expenses, interest, and taxes. It is the most comprehensive profitability ratio, though it can swing on one-off items, so read it alongside the multi-year trend below.

Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .

In 2025, Capital One Financial (COF) net margin totalled 3.54% – contracted 5.3 percentage points year-over-year.

38.68% stands as the all-time-high annual net margin, posted in 2021, against a low of -0.26% during 2008.

Capital One Financial Net Profit Margin by Year

Capital One Financial Net Profit Margin 2025: 3.5%

Capital One Financial posted net margin of 3.54% in 2025, contracted 5.3 percentage points from 2024.

Capital One Financial Net Profit Margin 2024: 8.8%

In 2024, Capital One Financial reported net margin of 8.81%, contracted 1.1 percentage points from 2023.

Capital One Financial Net Profit Margin 2023: 9.9%

Capital One Financial net margin in 2023 was 9.88%, contracted 9.3 percentage points from 2022.

Capital One Financial Net Profit Margin 2022: 19.2%

2022's net margin for Capital One Financial came in at 19.18%, contracted 19.5 percentage points from 2021.

Capital One Financial Net Profit Margin 2021: 38.7%

Capital One Financial net margin in 2021 was 38.68%.

See more financial history for Capital One Financial (COF).

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