Operating Income for Capital One Financial (COF)
According to Capital One Financial's latest reported financial statements, the company's current operating income (TTM) is $3.25B USD. Operating income is profit from core operations: revenue minus cost of goods sold and operating expenses (SG&A, R&D). It excludes interest, taxes, and non-operating items, so it isolates how profitable the business itself is before financing and tax decisions. Compare with EBITDA and net income.
Headline TTM above sums the four reported quarters through (reported ). Chart and table below cover the full reported history back to .
Currently viewingOperating IncomeSwitch metric
TTM (last 4 quarters)
$3.25B
YoY change
-61.4%
5Y CAGR
-6.6%
Peak year (2021)
$15.81B
Cumulative operating income
$122.42B
Operating Income history chart for Capital One Financial (COF) from 1994 to 2025
Operating Income history table for Capital One Financial (COF) from 1994 to 2025
| Fiscal year | Period ended | Reported | Operating Income | YoY |
|---|---|---|---|---|
| 2025 | $2.28B | -61.4% | ||
| 2024 | $5.91B | -2.2% | ||
| 2023 | $6.04B | -34.6% | ||
| 2022 | $9.24B | -41.6% | ||
| 2021 | $15.81B | +393.6% | ||
| 2020 | $3.20B | -53.4% | ||
| 2019 | $6.87B | -6.1% | ||
| 2018 | $7.32B | +33.2% | ||
| 2017 | $5.49B | +0.1% | ||
| 2016 | $5.48B | -6.8% | ||
| 2015 | $5.88B | -10.5% | ||
| 2014 | $6.57B | -0.1% | ||
| 2013 | $6.58B | +26.9% | ||
| 2012 | $5.18B | +13.0% | ||
| 2011 | $4.59B | +5.9% | ||
| 2010 | $4.33B | +224.1% | ||
| 2009 | $1.34B | +129.6% | ||
| 2008 | $582.00M | -85.0% | ||
| 2007 | $3.87B | +5.4% | ||
| 2006 | $3.67B | +29.8% | ||
| 2005 | $2.83B | +19.9% | ||
| 2004 | $2.36B | +29.2% | ||
| 2003 | $1.83B | +25.9% | ||
| 2002 | $1.45B | +40.1% | ||
| 2001 | $1.04B | +36.7% | ||
| 2000 | $757.47M | +31.3% | ||
| 1999 | $577.00M | +30.0% | ||
| 1998 | $443.90M | +45.3% | ||
| 1997 | $305.50M | +22.9% | ||
| 1996 | $248.50M | +25.7% | ||
| 1995 | $197.70M | +34.7% | ||
| 1994 | $146.80M | — |
Operating Income values are taken from Capital One Financial's reported income statements (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
Capital One Financial (COF) most recent annual operating income stands at $2.28B (2025) – plunged 61.4% year-over-year.
Capital One Financial operating income compound annual growth for the 2020–2025 (5 years) window is -6.6%, with a net decline across the window.
Capital One Financial operating income plunged from $15.81B in 2021 to $2.28B in 2025, a 85.6% drawdown.
The dataset's maximum operating income sits at $15.81B (2021); the minimum reading of $146.80M dates to 1994.
Capital One Financial (COF) sits 9th of 8 Financial Services peers we track on this metric, against a peer median of $24.60B.
Capital One Financial Operating Income by Year
Capital One Financial Operating Income 2025: $2.28B
Capital One Financial operating income in 2025 was $2.28B, plunged 61.4% below 2024.
Capital One Financial Operating Income 2024: $5.91B
Capital One Financial operating income in 2024 was $5.91B, edged down 2.2% below 2023.
Capital One Financial Operating Income 2023: $6.04B
Capital One Financial operating income in 2023 was $6.04B, plunged 34.6% below 2022.
Capital One Financial Operating Income 2022: $9.24B
Capital One Financial operating income in 2022 was $9.24B, plunged 41.6% below 2021.
Capital One Financial Operating Income 2021: $15.81B
Capital One Financial operating income in 2021 was $15.81B.
See more financial history for Capital One Financial (COF).
Sector peers — Operating Income
Companies in the same sector as Capital One Financial, ranked by their latest operating income.
| Company | Operating Income | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $72.59B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $59.54B | Financial Services |
| Bank of America Corporation (BAC) | $37.70B | Financial Services |
| Wells Fargo & Company (WFC) | $25.20B | Financial Services |
| Visa Inc. (V) | $23.99B | Financial Services |
| Morgan Stanley (MS) | $21.95B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $21.85B | Financial Services |
| Mastercard Incorporated (MA) | $19.40B | Financial Services |
Frequently asked questions
What is Capital One Financial's operating income?
- Latest reported operating income for Capital One Financial (COF) is $3.25B (period ending March 31, 2026).
How has Capital One Financial operating income changed year-over-year?
- Capital One Financial (COF) operating income changed -61.4% year-over-year on the latest annual filing.
What is the long-term growth rate of Capital One Financial operating income?
- Capital One Financial (COF) operating income compound annual growth rate is -6.6% over the most recent 5 years available.
When did Capital One Financial operating income hit its highest annual value?
- Capital One Financial operating income reached its highest annual value of $15.81B in 2021.
What was Capital One Financial operating income in 2024?
- Capital One Financial (COF) operating income in 2024 was $5.91B.
What was Capital One Financial operating income in 2025?
- Capital One Financial (COF) operating income in 2025 was $2.28B.
Metrics overview
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