What is the current annual net margin of COF?

As of today, COF annual net margin is 2.99%

What is 1-year change in COF annual net margin?

COF annual net margin is down -65.63% year-over-year

What is 3-year change in COF annual net margin?

COF annual net margin is down -84.28% over the past 3 years

How far is COF annual net margin from its all-time high?

COF annual net margin is currently -92.22% below its historical high of 38.42% set on December 31, 2021

How does COF annual net margin rank versus sector peers?

COF annual net margin is higher than 20.90% of companies in Financial Services sector

When is COF next annual earnings release?

As of today, the next annual earnings release for COF has not been scheduled

What is the current quarterly net margin of COF?

As of today, COF quarterly net margin is 15.08%

What is COF quarterly net margin most recent change?

COF quarterly net margin was up +34.40% on June 30, 2026

What is 1-year change in COF quarterly net margin?

COF quarterly net margin is up +157.51% year-over-year

How far is COF quarterly net margin from its all-time high?

COF quarterly net margin is currently -66.54% below its historical high of 45.07% set on June 30, 2021

How does COF quarterly net margin rank versus sector peers?

COF quarterly net margin is higher than 45.68% of companies in Financial Services sector

When is COF next earnings release?

The next earnings release for COF is on October 20, 2026

COF Net Margin History & Chart Since 1994

Annual Net Margin

2.99%5.71%-65.63%

December 31, 2025

Summary

Current Value: As of today, COF annual net margin is 2.99%, down -65.63% on December 31, 2025
Historical Performance: COF annual net margin is down -84.28% over the past 3 years, down -64.95% over the past 5 years
All-Time High Comparison: COF annual net margin is currently -92.22% below its historical high of 38.42% set on December 31, 2021
3-Year Low Comparison: COF annual net margin is at its 3-year low
Sector Comparison: COF annual net margin is higher than 20.90% of companies in Financial Services sector

Net Margin Chart

beforeafter

Performance

COF Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Net Margin	Dec 31, 25	2.99%	-65.6%	-84.3%	-65.0%	-81.3%
Quarterly Net Margin	Jun 30, 26	15.08%	+157.5%	+29.1%	-66.5%	-29.9%
Price	Sep 21, 26	$204.92	-10.3%	+107.1%	+30.9%	+395.1%
PE Ratio	Sep 21, 26	12.69	-89.2%	+67.4%	+103.0%	+128.7%
Annual Revenue	Dec 31, 25	$69.07B	+28.7%	+80.7%	+118.6%	+262.0%
Annual Net Income	Dec 31, 25	$2.06B	-55.9%	-71.6%	-23.5%	-32.4%
Annual Gross Margin	Dec 31, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Operating Margin	Dec 31, 25	3.30%	-70.0%	-86.3%	-72.6%	-85.7%

Net Margin Highs

COF Annual Net Margin Highs Comparison
Period	High	Date	Current
3Y	19.02%	N/A	-84.3%
5Y	38.42%	Dec 31, 21	-92.2%
All	38.42%	Dec 31, 21	-92.2%

Net Margin Lows

COF Annual Net Margin Lows Comparison
Period	Low	Date	Current
3Y	2.99%	Dec 31, 25	at low
5Y	2.99%	Dec 31, 25	at low
All	0.47%	Dec 31, 08	+536.2%

Net Margin History

Year	Value	Change
2025	2.99%	-65.6%
2024	8.70%	-11.0%
2023	9.78%	-48.6%
2022	19.02%	-50.5%
2021	38.42%	+350.4%
2020	8.53%	-47.6%
2019	16.29%	-11.5%
2018	18.41%	+161.5%
2017	7.04%	-48.4%
2016	13.65%	-14.5%
2015	15.97%	-13.6%
2014	18.48%	-2.2%
2013	18.89%	+14.7%
2012	16.47%	-5.2%
2011	17.37%	+8.7%
2010	15.98%	+162.4%

Year	Value	Change
2009	6.09%	+1,195.7%
2008	0.47%	-96.5%
2007	13.55%	-14.5%
2006	15.85%	+5.9%
2005	14.97%	+3.7%
2004	14.43%	+22.7%
2003	11.76%	+26.0%
2002	9.33%	+5.4%
2001	8.85%	+2.2%
2000	8.66%	-5.5%
1999	9.16%	-13.5%
1998	10.59%	-0.1%
1997	10.60%	-2.8%
1996	10.90%	-12.9%
1995	12.52%	-26.1%
1994	16.94%	-

FAQ

What is the current annual net margin of COF?: As of today, COF annual net margin is 2.99%
What is 1-year change in COF annual net margin?: COF annual net margin is down -65.63% year-over-year
What is 3-year change in COF annual net margin?: COF annual net margin is down -84.28% over the past 3 years
How far is COF annual net margin from its all-time high?: COF annual net margin is currently -92.22% below its historical high of 38.42% set on December 31, 2021
How does COF annual net margin rank versus sector peers?: COF annual net margin is higher than 20.90% of companies in Financial Services sector
When is COF next annual earnings release?: As of today, the next annual earnings release for COF has not been scheduled

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Quarterly Net Margin

15.08%3.86%+34.40%

June 30, 2026

Summary

Current Value: As of today, COF quarterly net margin is 15.08%, up +34.40% on June 30, 2026
Historical Performance: COF quarterly net margin is up +157.51% year-over-year, up +29.11% over the past 3 years
All-Time High Comparison: COF quarterly net margin is currently -66.54% below its historical high of 45.07% set on June 30, 2021
3-Year Low Comparison: COF quarterly net margin is +157.51% above its 3-year low of -26.22% reached on June 30, 2025
Sector Comparison: COF quarterly net margin is higher than 45.68% of companies in Financial Services sector

Performance

COF Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Net Margin	Jun 30, 26	15.08%	+34.4%	+157.5%	+29.1%	-66.5%
Annual Net Margin	Dec 31, 25	2.99%	–	-65.6%	-84.3%	-65.0%
Price	Sep 21, 26	$204.92	+1.7%	-10.3%	+107.1%	+30.9%
PE Ratio	Sep 21, 26	12.69	-82.1%	-89.2%	+67.4%	+103.0%
Quarterly Revenue	Jun 30, 26	$19.84B	+3.0%	+21.9%	+64.6%	+154.9%
Quarterly Net Income	Jun 30, 26	$2.99B	+38.5%	+170.1%	+112.5%	-14.7%
Quarterly Gross Margin	Jun 30, 26	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Operating Margin	Jun 30, 26	19.25%	+37.4%	+152.8%	+34.2%	-67.9%

Quarterly Net Margin Highs

COF Quarterly Net Margin Highs Comparison
Period	High	Date	Current
1Y	16.05%	Sep 30, 25	-6.0%
3Y	16.05%	Sep 30, 25	-6.0%
5Y	45.07%	N/A	-66.5%
All	45.07%	Jun 30, 21	-66.5%

Quarterly Net Margin Lows

COF Quarterly Net Margin Lows Comparison
Period	Low	Date	Current
1Y	-26.22%	N/A	+157.5%
3Y	-26.22%	Jun 30, 25	+157.5%
5Y	-26.22%	Jun 30, 25	+157.5%
All	-32.52%	Dec 31, 08	+146.4%

Quarterly Net Margin History

Month	Value	Change
Jun 2026	15.08%	+34.4%
Mar 2026	11.22%	+27.9%
Dec 2025	8.77%	-45.4%
Sep 2025	16.05%	+161.2%
Jun 2025	-26.22%	-357.1%
Mar 2025	10.20%	+25.5%
Dec 2024	8.13%	-35.5%
Sep 2024	12.61%	+183.4%
Jun 2024	4.45%	-53.8%
Mar 2024	9.64%	+80.9%
Dec 2023	5.33%	-61.2%
Sep 2023	13.74%	+17.6%
Jun 2023	11.68%	+43.5%
Mar 2023	8.14%	-26.9%
Dec 2022	11.14%	-33.5%
Sep 2022	16.75%	-26.5%
Jun 2022	22.79%	-18.3%
Mar 2022	27.89%	-1.4%
Dec 2021	28.29%	-23.6%
Sep 2021	37.03%	-17.8%
Jun 2021	45.07%	+2.8%
Mar 2021	43.86%	+35.0%
Dec 2020	32.48%	+9.2%
Sep 2020	29.75%	+341.3%
Jun 2020	-12.33%	+23.9%
Mar 2020	-16.21%	-218.9%
Dec 2019	13.63%	-14.0%
Sep 2019	15.85%	-16.3%
Jun 2019	18.94%	+13.5%
Mar 2019	16.69%	+10.7%
Dec 2018	15.07%	-16.6%
Sep 2018	18.07%	-22.1%
Jun 2018	23.19%	+36.2%
Mar 2018	17.03%	+252.9%
Dec 2017	-11.14%	-175.6%
Sep 2017	14.73%	+4.0%
Jun 2017	14.17%	+27.8%
Mar 2017	11.09%	+0.4%
Dec 2016	11.05%	-24.1%
Sep 2016	14.56%	+4.3%
Jun 2016	13.96%	-8.2%
Mar 2016	15.20%	+11.0%
Dec 2015	13.69%	-22.7%
Sep 2015	17.70%	+26.6%
Jun 2015	13.98%	-25.0%
Mar 2015	18.64%	+23.0%
Dec 2014	15.15%	-21.5%
Sep 2014	19.31%	-7.1%
Jun 2014	20.78%	+10.3%
Mar 2014	18.84%	+25.3%
Dec 2013	15.04%	-18.6%
Sep 2013	18.47%	-16.2%
Jun 2013	22.03%	+10.5%
Mar 2013	19.94%	+47.8%
Dec 2012	13.49%	-27.9%
Sep 2012	18.72%	+260.7%
Jun 2012	5.19%	-81.9%
Mar 2012	28.70%	+214.0%
Dec 2011	9.14%	-50.7%
Sep 2011	18.53%	-13.9%
Jun 2011	21.52%	-3.8%
Mar 2011	22.37%	+46.3%
Dec 2010	15.29%	-13.3%

Month	Value	Change
Sep 2010	17.64%	-19.1%
Jun 2010	21.80%	+38.2%
Mar 2010	15.77%	+74.3%
Dec 2009	9.05%	-18.6%
Sep 2009	11.12%	+95.4%
Jun 2009	5.69%	+244.4%
Mar 2009	-3.94%	+87.9%
Dec 2008	-32.52%	-473.4%
Sep 2008	8.71%	-20.3%
Jun 2008	10.93%	-18.2%
Mar 2008	13.36%	+114.8%
Dec 2007	6.22%	-62.3%
Sep 2007	16.49%	+3.1%
Jun 2007	15.99%	+9.4%
Mar 2007	14.61%	+53.3%
Dec 2006	9.53%	-38.1%
Sep 2006	15.40%	-0.1%
Jun 2006	15.41%	-34.8%
Mar 2006	23.64%	+178.1%
Dec 2005	8.50%	-48.1%
Sep 2005	16.38%	-9.5%
Jun 2005	18.10%	+1.9%
Mar 2005	17.76%	+152.3%
Dec 2004	7.04%	-60.2%
Sep 2004	17.71%	+10.8%
Jun 2004	15.99%	-7.5%
Mar 2004	17.29%	+64.4%
Dec 2003	10.52%	-10.9%
Sep 2003	11.81%	-2.0%
Jun 2003	12.05%	-6.0%
Mar 2003	12.82%	+30.2%
Dec 2002	9.85%	-3.1%
Sep 2002	10.17%	+13.1%
Jun 2002	8.99%	+2.0%
Mar 2002	8.81%	-1.8%
Dec 2001	8.97%	+1.2%
Sep 2001	8.86%	-1.2%
Jun 2001	8.97%	+4.5%
Mar 2001	8.58%	+111.9%
Dec 2000	4.05%	-52.6%
Sep 2000	8.55%	-5.2%
Jun 2000	9.02%	-56.4%
Mar 2000	20.70%	+133.6%
Dec 1999	8.86%	-4.0%
Sep 1999	9.23%	+0.2%
Jun 1999	9.21%	-1.9%
Mar 1999	9.39%	-2.4%
Dec 1998	9.62%	-7.9%
Sep 1998	10.45%	-6.1%
Jun 1998	11.13%	-2.8%
Mar 1998	11.45%	+2.2%
Dec 1997	11.20%	+4.4%
Sep 1997	10.73%	+7.9%
Jun 1997	9.94%	-3.7%
Mar 1997	10.32%	-15.9%
Dec 1996	12.27%	-0.9%
Sep 1996	12.38%	-20.6%
Jun 1996	15.59%	-0.8%
Mar 1996	15.71%	-10.1%
Dec 1995	17.48%	+1.4%
Sep 1995	17.24%	+4.9%
Jun 1995	16.44%	+10.2%
Mar 1995	14.92%	-

FAQ

What is the current quarterly net margin of COF?: As of today, COF quarterly net margin is 15.08%
What is COF quarterly net margin most recent change?: COF quarterly net margin was up +34.40% on June 30, 2026
What is 1-year change in COF quarterly net margin?: COF quarterly net margin is up +157.51% year-over-year
How far is COF quarterly net margin from its all-time high?: COF quarterly net margin is currently -66.54% below its historical high of 45.07% set on June 30, 2021
How does COF quarterly net margin rank versus sector peers?: COF quarterly net margin is higher than 45.68% of companies in Financial Services sector
When is COF next earnings release?: The next earnings release for COF is on October 20, 2026

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Data Sources & References

COF Official Website www.capitalone.com
Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/927628/000092762826000024/0000927628-26-000024-index.htm
COF Profile on Yahoo Finance finance.yahoo.com/quote/COF
COF Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/cof