COF Capital One Financial margins

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Relative Growth: Rel. Growth: 95
Relative Strength: Rel. Strength: 40
Relative Valuation: Rel. Valuation: 94
Relative Profitability: Rel. Profitability: 60
Gross margin
100%
Operating margin
27%
EBITDA margin
41.4%
Net margin
21.9%

Based on the latest figures, Capital One Financial reports a gross margin of 100%, an operating margin of 27%, an EBITDA margin of 41.4%, and a net margin of 21.9%. Operating margin led the available margin gains with 29.2 percentage points, while the other margins did not change.

COF margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Capital One Financial recorded average margins of 100% gross, 16.13% operating, 29.69% EBITDA, and 14.88% net. At Capital One Financial, operating, EBITDA, and net margins are above their three-year averages.

COF margin expansion

Year-over-year margin changes in percentage points

From the same period last year, operating margin expanded by 29.2 percentage points and EBITDA margin by 29.2 percentage points, while gross margin was unchanged.

Gross margin expansion
0pp
Operating margin expansion
29.2pp
EBITDA margin expansion
29.2pp
Net margin expansion
N/A

COF Gross margin

Across the last 3 years, Capital One Financial had an average gross margin of 100%. Capital One Financial's current gross margin is 100% and is in line with its three-year average. Looking back over the last 3 years, Capital One Financial's gross margin reached 100% at its highest point in Jun 2026 and 100% at its lowest in Dec 2023.

COF Operating margin

Capital One Financial recorded an average operating margin of 16.13% across the last 3 years. The current operating margin stands at 27%, 10.9 percentage points above its three-year average. Operating margin was highest at 27% in Jun 2026 and lowest at -2.2% in Jun 2025.

COF EBITDA margin

Capital One Financial recorded an average EBITDA margin of 29.69% across the last 3 years. Capital One Financial currently reports an EBITDA margin of 41.4%, 11.7 percentage points above its three-year average. The EBITDA margin for Capital One Financial moved between 12.2% in Jun 2025 and 41.4% in Jun 2026.

COF Net margin

Across the last 3 years, Capital One Financial's net margin stood at 14.88%. Compared with its three-year average, Capital One Financial's current net margin is 21.9% and is 7 percentage points above its three-year average. Net margin was highest at 21.9% in Jun 2026 and lowest at 4.9% in Sep 2025.

COF margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, COF stands higher than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 83.9%, Capital One Financial's gross margin is 19% higher.

COF margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Capital One Financial's gross margin?

The current gross margin for COF is 100% as of Jun 30, 2026.

What is Capital One Financial's operating margin?

The current operating margin for COF is 27% as of Jun 30, 2026.

What is Capital One Financial's EBITDA margin?

As of Jun 30, 2026, COF has an EBITDA margin of 41.4%.

What is Capital One Financial's net margin?

As of Jun 30, 2026, COF has a net margin of 21.9%.

What are the average margins of COF?

Looking back over 3 years, COF recorded average margins of 100.0% gross, 16.1% operating, 29.7% EBITDA, and 14.9% net.

What are the highest historical margins of COF?

Across the 5-year period, COF posted its highest margins at 100% gross in Jun 2026, 48.8% operating in Dec 2021, 59.6% EBITDA in Dec 2021, and 38.3% net in Dec 2021.

What are the lowest historical margins of COF?

Within the 5-year period, COF recorded its lowest margins at 100% gross in Dec 2021, -2.2% operating in Jun 2025, 12.2% EBITDA in Jun 2025, and 4.9% net in Sep 2025.