Capital One Financial (COF) seasonality heatmap
Returns across monthly, quarterly, and yearly periods. Cell color encodes signed magnitude; the scale auto-fits each table.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -9.7% | -10.3% | -6.8% | +4.9% | -1.8% | +3.6% | — | — | — | — | — | — |
| 2025 | +14.2% | -1.3% | -10.6% | +0.5% | +5.3% | +12.5% | +1.1% | +6.0% | -6.4% | +3.5% | -0.0% | +10.6% |
| 2024 | +3.2% | +2.1% | +8.2% | -3.7% | -3.6% | +0.6% | +9.4% | -2.5% | +1.9% | +8.7% | +18.3% | -7.1% |
| 2023 | +28.0% | -7.9% | -11.8% | +1.2% | +7.8% | +5.0% | +7.0% | -12.0% | -5.2% | +4.4% | +10.9% | +17.4% |
| 2022 | +1.1% | +4.9% | -14.3% | -5.1% | +3.1% | -18.5% | +5.4% | -3.1% | -12.9% | +15.0% | -2.0% | -10.0% |
| 2021 | +5.5% | +15.7% | +5.9% | +17.2% | +8.1% | -3.8% | +4.5% | +3.4% | -2.4% | -6.8% | -6.6% | +3.2% |
| 2020 | -3.0% | -11.2% | -42.9% | +28.4% | +5.8% | -8.0% | +1.9% | +8.4% | +4.1% | +1.7% | +17.3% | +15.4% |
| 2019 | +6.6% | +4.2% | -2.3% | +13.6% | -7.1% | +5.7% | +1.9% | -5.9% | +5.0% | +2.5% | +7.7% | +2.9% |
| 2018 | +4.4% | -5.4% | -2.2% | -5.4% | +4.2% | -2.2% | +2.6% | +5.5% | -4.2% | -5.9% | +0.9% | -15.7% |
| 2017 | +0.2% | +7.9% | -7.7% | -7.2% | -3.8% | +7.4% | +4.3% | -7.2% | +6.3% | +8.9% | +0.3% | +8.2% |
| 2016 | -9.1% | +0.8% | +5.5% | +4.4% | +1.7% | -13.3% | +5.6% | +7.4% | +0.3% | +3.1% | +14.1% | +3.8% |
| 2015 | -11.3% | +8.0% | +0.1% | +2.6% | +3.9% | +5.3% | -7.6% | -3.9% | -6.7% | +8.8% | +0.0% | -8.1% |
| 2014 | -7.8% | +4.4% | +5.1% | -4.2% | +7.2% | +4.7% | -3.7% | +3.6% | -0.5% | +1.4% | +0.9% | -0.8% |
| 2013 | -2.8% | -9.3% | +7.7% | +5.1% | +6.0% | +3.1% | +9.9% | -6.1% | +6.5% | -0.1% | +4.8% | +7.0% |
| 2012 | +8.2% | +10.7% | +10.2% | -0.5% | -7.3% | +6.4% | +3.4% | +0.2% | +0.8% | +5.5% | -4.2% | +0.6% |
| 2011 | +13.1% | +3.5% | +4.4% | +5.3% | -0.7% | -4.9% | -7.5% | -3.6% | -13.9% | +15.2% | -2.1% | -5.3% |
| 2010 | -3.8% | +2.5% | +9.7% | +4.8% | -4.7% | -2.4% | +5.0% | -10.4% | +4.4% | -5.7% | +0.0% | +14.3% |
| 2009 | -50.4% | -21.9% | +1.6% | +36.8% | +46.3% | -10.5% | +40.3% | +21.7% | -4.2% | +2.4% | +4.9% | -0.1% |
| 2008 | +15.5% | -15.1% | +6.9% | +7.7% | -8.6% | -21.0% | +10.1% | +6.3% | +15.5% | -23.3% | -11.2% | -7.3% |
| 2007 | +4.6% | -4.2% | -2.0% | -1.6% | +7.5% | -1.7% | -9.8% | -8.6% | +2.7% | -1.3% | -18.7% | -11.3% |
| 2006 | -3.6% | +5.2% | -8.1% | +7.6% | -4.4% | +3.2% | -9.5% | -5.5% | +7.6% | +0.9% | -1.8% | -1.4% |
| 2005 | -7.0% | -2.0% | -2.5% | -5.2% | +6.4% | +6.1% | +3.1% | -0.3% | -3.3% | -4.0% | +8.8% | +4.0% |
| 2004 | +16.0% | -0.5% | +6.7% | -13.1% | +7.0% | -2.4% | +1.4% | -2.2% | +9.1% | -0.2% | +6.6% | +7.2% |
| 2003 | +4.5% | -0.2% | -3.1% | +39.5% | +15.1% | +2.1% | -2.6% | +11.5% | +6.8% | +6.6% | -1.7% | +2.6% |
| 2002 | -7.0% | -1.7% | +29.6% | -6.2% | +4.3% | -2.2% | -48.1% | +12.7% | -2.1% | -12.7% | +11.0% | -12.1% |
| 2001 | -4.2% | -12.3% | +0.5% | +13.3% | +3.6% | -7.6% | +6.9% | -13.4% | -17.2% | -10.3% | +21.2% | +7.8% |
| 2000 | -14.9% | -10.1% | +30.2% | -8.7% | +8.1% | -5.6% | +31.4% | +2.9% | +16.2% | -9.9% | -11.6% | +17.9% |
| 1999 | +15.1% | -3.5% | +18.3% | +15.0% | -13.2% | +10.9% | -16.7% | -18.6% | +3.3% | +35.9% | -12.1% | +3.5% |
| 1998 | +20.2% | +3.3% | +17.4% | +21.8% | +4.0% | +24.4% | -6.6% | -24.6% | +17.8% | -1.3% | +8.2% | +4.5% |
| 1997 | +11.2% | -0.6% | -6.3% | -3.1% | -10.8% | +17.4% | -2.4% | +5.1% | +18.5% | -0.1% | -0.7% | +19.6% |
| 1996 | +12.7% | -0.2% | +2.7% | +7.6% | +2.9% | -6.0% | +1.2% | +4.7% | -0.8% | +4.1% | +16.4% | -0.4% |
| 1995 | +1.3% | +12.5% | +4.7% | +5.4% | +4.7% | -7.1% | +21.8% | +9.9% | +12.8% | -16.6% | +3.5% | -5.6% |
| 1994 | — | — | — | — | — | — | — | — | — | — | — | +5.1% |
| Avg | +1.6% | -1.0% | +1.7% | +5.6% | +3.0% | -0.1% | +2.1% | -0.6% | +1.9% | +1.0% | +2.7% | +2.2% |
| Median | +2.3% | -0.3% | +2.2% | +4.6% | +3.9% | -1.7% | +2.6% | -0.3% | +1.9% | +1.4% | +0.9% | +3.1% |
| Last 5Y Avg | +7.4% | -2.5% | -7.1% | -0.4% | +2.2% | -0.9% | +5.5% | -1.7% | -5.0% | +5.0% | +4.1% | +2.8% |
| Std Dev (σ) | 13.9% | 8.3% | 13.2% | 12.5% | 10.2% | 9.7% | 14.7% | 9.7% | 8.9% | 10.7% | 9.5% | 9.2% |
| Consistency (μ/σ) | 0.12 | -0.12 | 0.13 | 0.45 | 0.30 | -0.01 | 0.14 | -0.06 | 0.22 | 0.09 | 0.28 | 0.24 |
| Win Rate (%) | 59% | 44% | 59% | 63% | 66% | 48% | 68% | 48% | 58% | 55% | 58% | 59% |
| Winning / Losing Months | ▲19▼13 | ▲14▼18 | ▲19▼13 | ▲20▼12 | ▲21▼11 | ▲15▼16 | ▲21▼10 | ▲15▼16 | ▲18▼13 | ▲17▼14 | ▲18▼13 | ▲19▼13 |
| Longest Win / Loss Streak | ▲5▼4 | ▲4▼7 | ▲9▼4 | ▲4▼2 | ▲6▼3 | ▲4▼5 | ▲10▼3 | ▲3▼4 | ▲4▼3 | ▲4▼3 | ▲8▼3 | ▲5▼4 |
| Best | +28.0%in January 2023 | +15.7%in February 2021 | +30.2%in March 2000 | +39.5%in April 2003 | +46.3%in May 2009 | +24.4%in June 1998 | +40.3%in July 2009 | +21.7%in August 2009 | +18.5%in September 1997 | +35.9%in October 1999 | +21.2%in November 2001 | +19.6%in December 1997 |
| Worst | -50.4%in January 2009 | -21.9%in February 2009 | -42.9%in March 2020 | -13.1%in April 2004 | -13.2%in May 1999 | -21.0%in June 2008 | -48.1%in July 2002 | -24.6%in August 1998 | -17.2%in September 2001 | -23.3%in October 2008 | -18.7%in November 2007 | -15.7%in December 2018 |
−50.4%+46.3%
2026
Jan-9.7%
Feb-10.3%
Mar-6.8%
Apr+4.9%
May-1.8%
Jun+3.6%
Jul—
Aug—
Sep—
Oct—
Nov—
Dec—
2025
Jan+14.2%
Feb-1.3%
Mar-10.6%
Apr+0.5%
May+5.3%
Jun+12.5%
Jul+1.1%
Aug+6.0%
Sep-6.4%
Oct+3.5%
Nov-0.0%
Dec+10.6%
2024
Jan+3.2%
Feb+2.1%
Mar+8.2%
Apr-3.7%
May-3.6%
Jun+0.6%
Jul+9.4%
Aug-2.5%
Sep+1.9%
Oct+8.7%
Nov+18.3%
Dec-7.1%
2023
Jan+28.0%
Feb-7.9%
Mar-11.8%
Apr+1.2%
May+7.8%
Jun+5.0%
Jul+7.0%
Aug-12.0%
Sep-5.2%
Oct+4.4%
Nov+10.9%
Dec+17.4%
2022
Jan+1.1%
Feb+4.9%
Mar-14.3%
Apr-5.1%
May+3.1%
Jun-18.5%
Jul+5.4%
Aug-3.1%
Sep-12.9%
Oct+15.0%
Nov-2.0%
Dec-10.0%
2021
Jan+5.5%
Feb+15.7%
Mar+5.9%
Apr+17.2%
May+8.1%
Jun-3.8%
Jul+4.5%
Aug+3.4%
Sep-2.4%
Oct-6.8%
Nov-6.6%
Dec+3.2%
2020
Jan-3.0%
Feb-11.2%
Mar-42.9%
Apr+28.4%
May+5.8%
Jun-8.0%
Jul+1.9%
Aug+8.4%
Sep+4.1%
Oct+1.7%
Nov+17.3%
Dec+15.4%
2019
Jan+6.6%
Feb+4.2%
Mar-2.3%
Apr+13.6%
May-7.1%
Jun+5.7%
Jul+1.9%
Aug-5.9%
Sep+5.0%
Oct+2.5%
Nov+7.7%
Dec+2.9%
2018
Jan+4.4%
Feb-5.4%
Mar-2.2%
Apr-5.4%
May+4.2%
Jun-2.2%
Jul+2.6%
Aug+5.5%
Sep-4.2%
Oct-5.9%
Nov+0.9%
Dec-15.7%
2017
Jan+0.2%
Feb+7.9%
Mar-7.7%
Apr-7.2%
May-3.8%
Jun+7.4%
Jul+4.3%
Aug-7.2%
Sep+6.3%
Oct+8.9%
Nov+0.3%
Dec+8.2%
2016
Jan-9.1%
Feb+0.8%
Mar+5.5%
Apr+4.4%
May+1.7%
Jun-13.3%
Jul+5.6%
Aug+7.4%
Sep+0.3%
Oct+3.1%
Nov+14.1%
Dec+3.8%
2015
Jan-11.3%
Feb+8.0%
Mar+0.1%
Apr+2.6%
May+3.9%
Jun+5.3%
Jul-7.6%
Aug-3.9%
Sep-6.7%
Oct+8.8%
Nov+0.0%
Dec-8.1%
2014
Jan-7.8%
Feb+4.4%
Mar+5.1%
Apr-4.2%
May+7.2%
Jun+4.7%
Jul-3.7%
Aug+3.6%
Sep-0.5%
Oct+1.4%
Nov+0.9%
Dec-0.8%
2013
Jan-2.8%
Feb-9.3%
Mar+7.7%
Apr+5.1%
May+6.0%
Jun+3.1%
Jul+9.9%
Aug-6.1%
Sep+6.5%
Oct-0.1%
Nov+4.8%
Dec+7.0%
2012
Jan+8.2%
Feb+10.7%
Mar+10.2%
Apr-0.5%
May-7.3%
Jun+6.4%
Jul+3.4%
Aug+0.2%
Sep+0.8%
Oct+5.5%
Nov-4.2%
Dec+0.6%
2011
Jan+13.1%
Feb+3.5%
Mar+4.4%
Apr+5.3%
May-0.7%
Jun-4.9%
Jul-7.5%
Aug-3.6%
Sep-13.9%
Oct+15.2%
Nov-2.1%
Dec-5.3%
2010
Jan-3.8%
Feb+2.5%
Mar+9.7%
Apr+4.8%
May-4.7%
Jun-2.4%
Jul+5.0%
Aug-10.4%
Sep+4.4%
Oct-5.7%
Nov+0.0%
Dec+14.3%
2009
Jan-50.4%
Feb-21.9%
Mar+1.6%
Apr+36.8%
May+46.3%
Jun-10.5%
Jul+40.3%
Aug+21.7%
Sep-4.2%
Oct+2.4%
Nov+4.9%
Dec-0.1%
2008
Jan+15.5%
Feb-15.1%
Mar+6.9%
Apr+7.7%
May-8.6%
Jun-21.0%
Jul+10.1%
Aug+6.3%
Sep+15.5%
Oct-23.3%
Nov-11.2%
Dec-7.3%
2007
Jan+4.6%
Feb-4.2%
Mar-2.0%
Apr-1.6%
May+7.5%
Jun-1.7%
Jul-9.8%
Aug-8.6%
Sep+2.7%
Oct-1.3%
Nov-18.7%
Dec-11.3%
2006
Jan-3.6%
Feb+5.2%
Mar-8.1%
Apr+7.6%
May-4.4%
Jun+3.2%
Jul-9.5%
Aug-5.5%
Sep+7.6%
Oct+0.9%
Nov-1.8%
Dec-1.4%
2005
Jan-7.0%
Feb-2.0%
Mar-2.5%
Apr-5.2%
May+6.4%
Jun+6.1%
Jul+3.1%
Aug-0.3%
Sep-3.3%
Oct-4.0%
Nov+8.8%
Dec+4.0%
2004
Jan+16.0%
Feb-0.5%
Mar+6.7%
Apr-13.1%
May+7.0%
Jun-2.4%
Jul+1.4%
Aug-2.2%
Sep+9.1%
Oct-0.2%
Nov+6.6%
Dec+7.2%
2003
Jan+4.5%
Feb-0.2%
Mar-3.1%
Apr+39.5%
May+15.1%
Jun+2.1%
Jul-2.6%
Aug+11.5%
Sep+6.8%
Oct+6.6%
Nov-1.7%
Dec+2.6%
2002
Jan-7.0%
Feb-1.7%
Mar+29.6%
Apr-6.2%
May+4.3%
Jun-2.2%
Jul-48.1%
Aug+12.7%
Sep-2.1%
Oct-12.7%
Nov+11.0%
Dec-12.1%
2001
Jan-4.2%
Feb-12.3%
Mar+0.5%
Apr+13.3%
May+3.6%
Jun-7.6%
Jul+6.9%
Aug-13.4%
Sep-17.2%
Oct-10.3%
Nov+21.2%
Dec+7.8%
2000
Jan-14.9%
Feb-10.1%
Mar+30.2%
Apr-8.7%
May+8.1%
Jun-5.6%
Jul+31.4%
Aug+2.9%
Sep+16.2%
Oct-9.9%
Nov-11.6%
Dec+17.9%
1999
Jan+15.1%
Feb-3.5%
Mar+18.3%
Apr+15.0%
May-13.2%
Jun+10.9%
Jul-16.7%
Aug-18.6%
Sep+3.3%
Oct+35.9%
Nov-12.1%
Dec+3.5%
1998
Jan+20.2%
Feb+3.3%
Mar+17.4%
Apr+21.8%
May+4.0%
Jun+24.4%
Jul-6.6%
Aug-24.6%
Sep+17.8%
Oct-1.3%
Nov+8.2%
Dec+4.5%
1997
Jan+11.2%
Feb-0.6%
Mar-6.3%
Apr-3.1%
May-10.8%
Jun+17.4%
Jul-2.4%
Aug+5.1%
Sep+18.5%
Oct-0.1%
Nov-0.7%
Dec+19.6%
1996
Jan+12.7%
Feb-0.2%
Mar+2.7%
Apr+7.6%
May+2.9%
Jun-6.0%
Jul+1.2%
Aug+4.7%
Sep-0.8%
Oct+4.1%
Nov+16.4%
Dec-0.4%
1995
Jan+1.3%
Feb+12.5%
Mar+4.7%
Apr+5.4%
May+4.7%
Jun-7.1%
Jul+21.8%
Aug+9.9%
Sep+12.8%
Oct-16.6%
Nov+3.5%
Dec-5.6%
1994
Jan—
Feb—
Mar—
Apr—
May—
Jun—
Jul—
Aug—
Sep—
Oct—
Nov—
Dec+5.1%
Avg
Jan+1.6%
Feb-1.0%
Mar+1.7%
Apr+5.6%
May+3.0%
Jun-0.1%
Jul+2.1%
Aug-0.6%
Sep+1.9%
Oct+1.0%
Nov+2.7%
Dec+2.2%
Median
Jan+2.3%
Feb-0.3%
Mar+2.2%
Apr+4.6%
May+3.9%
Jun-1.7%
Jul+2.6%
Aug-0.3%
Sep+1.9%
Oct+1.4%
Nov+0.9%
Dec+3.1%
Last 5Y Avg
Jan+7.4%
Feb-2.5%
Mar-7.1%
Apr-0.4%
May+2.2%
Jun-0.9%
Jul+5.5%
Aug-1.7%
Sep-5.0%
Oct+5.0%
Nov+4.1%
Dec+2.8%
Std Dev (σ)
Jan13.9%
Feb8.3%
Mar13.2%
Apr12.5%
May10.2%
Jun9.7%
Jul14.7%
Aug9.7%
Sep8.9%
Oct10.7%
Nov9.5%
Dec9.2%
Consistency (μ/σ)
Jan0.12
Feb-0.12
Mar0.13
Apr0.45
May0.30
Jun-0.01
Jul0.14
Aug-0.06
Sep0.22
Oct0.09
Nov0.28
Dec0.24
Win Rate (%)
Jan59%
Feb44%
Mar59%
Apr63%
May66%
Jun48%
Jul68%
Aug48%
Sep58%
Oct55%
Nov58%
Dec59%
Winning / Losing Months
Jan▲19▼13
Feb▲14▼18
Mar▲19▼13
Apr▲20▼12
May▲21▼11
Jun▲15▼16
Jul▲21▼10
Aug▲15▼16
Sep▲18▼13
Oct▲17▼14
Nov▲18▼13
Dec▲19▼13
Longest Win / Loss Streak
Jan▲5▼4
Feb▲4▼7
Mar▲9▼4
Apr▲4▼2
May▲6▼3
Jun▲4▼5
Jul▲10▼3
Aug▲3▼4
Sep▲4▼3
Oct▲4▼3
Nov▲8▼3
Dec▲5▼4
Best
Jan+28.0%2023
Feb+15.7%2021
Mar+30.2%2000
Apr+39.5%2003
May+46.3%2009
Jun+24.4%1998
Jul+40.3%2009
Aug+21.7%2009
Sep+18.5%1997
Oct+35.9%1999
Nov+21.2%2001
Dec+19.6%1997
Worst
Jan-50.4%2009
Feb-21.9%2009
Mar-42.9%2020
Apr-13.1%2004
May-13.2%1999
Jun-21.0%2008
Jul-48.1%2002
Aug-24.6%1998
Sep-17.2%2001
Oct-23.3%2008
Nov-18.7%2007
Dec-15.7%2018
−50.4%+46.3%
Frequently asked questions
Data & methodology
Capital One Financial (COF) Key Financials
Charts, filings, and peer comparison for every metric
Income Statement
Balance Sheet
Profitability
Cash Flow
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
Overview
Income Statement