How Capital One Financial (COF) Makes Money: A Visual Guide
Capital One Financial (COF) generated $69.25B in revenue (TTM through Q4 2025), earning $2.45B in net profit (3.5% margin). Its largest revenue source is Interchange Fees, Contracts (79.9% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
Capital One Financial (COF) Income Statement Flow
Frequently asked questions
How does Capital One Financial (COF) make money?
- Capital One Financial (COF) primarily makes money through Interchange Fees, Contracts, which accounts for 79.9% of total revenue. For TTM through Q4 2025, Capital One Financial generated $69.25B in total revenue with a net profit margin of 3.5%.
What is Capital One Financial (COF) gross profit margin?
- Capital One Financial (COF) reported a gross profit margin of 47.3% for TTM through Q4 2025, equivalent to $32.78B in gross profit. This means Capital One Financial retains 47.3% of each revenue unit after direct costs of production.
What is Capital One Financial (COF) operating profit margin?
- Capital One Financial (COF) reported an operating profit margin of 3.3% for TTM through Q4 2025, equivalent to $2.28B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Capital One Financial (COF) net profit margin?
- Capital One Financial (COF) reported a net profit margin of 3.5% for TTM through Q4 2025, equivalent to $2.45B in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Capital One Financial (COF) spend on capital expenditures?
- Capital One Financial (COF) spent $2.27B on capital expenditures in TTM through Q4 2025 (3.3% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Capital One Financial (COF) free cash flow?
- Capital One Financial (COF) generated $27.72B in free cash flow for TTM through Q4 2025 (40.0% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
About this data
- What is a Sankey diagram?
- A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
- How is the data calculated?
- We use the income statement from company filings. For TTM (Trailing Twelve Months), we sum the last four quarters. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
- When was this data last updated?
- Based on company filings through TTM through Q4 2025.