What is the current annual operating margin of COF?

As of today, COF annual operating margin is 3.30%

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

COF annual operating margin is down -70.03% year-over-year

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

COF annual operating margin is down -86.35% over the past 3 years

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

COF annual operating margin is currently -93.39% below its historical high of 49.95% set on December 31, 2021

How does COF annual operating margin rank versus sector peers?

COF annual operating margin is higher than 19.22% 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

When is COF next earnings release?

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

COF Operating Margin History & Chart Since 1995

Annual Operating Margin

3.30%7.71%-70.03%

December 31, 2025

Summary

Current Value: As of today, COF annual operating margin is 3.30%, down -70.03% on December 31, 2025
Historical Performance: COF annual operating margin is down -86.35% over the past 3 years, down -72.59% over the past 5 years
All-Time High Comparison: COF annual operating margin is currently -93.39% below its historical high of 49.95% set on December 31, 2021
3-Year Low Comparison: COF annual operating margin is at its 3-year low
Sector Comparison: COF annual operating margin is higher than 19.22% of companies in Financial Services sector

Operating Margin Chart

beforeafter

Performance

COF Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Operating Margin	Dec 31, 25	3.30%	-70.0%	-86.3%	-72.6%	-85.7%
Quarterly Operating Margin	Jun 30, 26	-	–	–	–	–
Price	Aug 10, 26	$218.97	+5.2%	+98.4%	+25.4%	+396.1%
PE Ratio	Aug 10, 26	13.56	-87.4%	+60.5%	+94.5%	+129.4%
Annual Revenue	Dec 31, 25	$69.07B	+28.7%	+80.7%	+118.6%	+262.0%
Annual Operating Profit	Dec 31, 25	$2.28B	-61.4%	-75.3%	-40.0%	-48.1%
Annual Gross Margin	Dec 31, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Net Margin	Dec 31, 25	2.99%	-65.6%	-84.3%	-65.0%	-81.3%

Operating Margin Highs

COF Annual Operating Margin Highs Comparison
Period	High	Date	Current
3Y	24.17%	N/A	-86.3%
5Y	49.95%	Dec 31, 21	-93.4%
All	49.95%	Dec 31, 21	-93.4%

Operating Margin Lows

COF Annual Operating Margin Lows Comparison
Period	Low	Date	Current
3Y	3.30%	Dec 31, 25	at low
5Y	3.30%	Dec 31, 25	at low
All	3.30%	Dec 31, 25	at low

Operating Margin History

Year	Value	Change
2025	3.30%	-70.0%
2024	11.01%	-10.5%
2023	12.30%	-49.1%
2022	24.17%	-51.6%
2021	49.95%	+314.9%
2020	12.04%	-44.4%
2019	21.64%	-10.7%
2018	24.24%	+6.5%
2017	22.75%	+7.1%
2016	21.25%	-14.7%
2015	24.91%	-13.6%
2014	28.84%	+2.1%
2013	28.26%	+24.5%
2012	22.69%	-7.8%
2011	24.60%	+6.8%
2010	23.03%	+136.9%

Year	Value	Change
2009	9.72%	+18.2%
2008	8.22%	-62.0%
2007	21.62%	-12.1%
2006	24.60%	+1.7%
2005	24.20%	+5.5%
2004	22.93%	+22.8%
2003	18.67%	+24.1%
2002	15.04%	+5.4%
2001	14.27%	+2.2%
2000	13.96%	-4.1%
1999	14.55%	-14.8%
1998	17.08%	-0.1%
1997	17.09%	-2.1%
1996	17.45%	-10.8%
1995	19.57%	-

FAQ

What is the current annual operating margin of COF?: As of today, COF annual operating margin is 3.30%
What is 1-year change in COF annual operating margin?: COF annual operating margin is down -70.03% year-over-year
What is 3-year change in COF annual operating margin?: COF annual operating margin is down -86.35% over the past 3 years
How far is COF annual operating margin from its all-time high?: COF annual operating margin is currently -93.39% below its historical high of 49.95% set on December 31, 2021
How does COF annual operating margin rank versus sector peers?: COF annual operating margin is higher than 19.22% 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

Operating Margin Formula

Operating Profit Margin = Operating Income

Revenue × 100%

Quarterly Operating Margin

N/A

June 30, 2026

Performance

COF Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Operating Margin	Jun 30, 26	-	–	–	–	–
Annual Operating Margin	Dec 31, 25	3.30%	–	-70.0%	-86.3%	-72.6%
Price	Aug 10, 26	$218.97	+19.1%	+5.2%	+98.4%	+25.4%
PE Ratio	Aug 10, 26	13.56	-79.1%	-87.4%	+60.5%	+94.5%
Quarterly Revenue	Jun 30, 26	$15.85B	-17.7%	-2.6%	+31.5%	+103.7%
Quarterly Operating Profit	Jun 30, 26	-	–	–	–	–
Quarterly Gross Margin	Jun 30, 26	-	–	–	–	–
Quarterly Net Margin	Jun 30, 26	-	–	–	–	–

Quarterly Operating Margin Highs

COF Quarterly Operating Margin Highs Comparison
Period	High	Date	Current
1Y	22.26%	Sep 30, 25	N/A
3Y	22.26%	Sep 30, 25	N/A
5Y	59.92%	N/A	N/A
All	68.58%	Mar 31, 00	N/A

Quarterly Operating Margin Lows

COF Quarterly Operating Margin Lows Comparison
Period	Low	Date	Current
1Y	-36.44%	N/A	N/A
3Y	-36.44%	Jun 30, 25	N/A
5Y	-36.44%	Jun 30, 25	N/A
All	-36.44%	Jun 30, 25	N/A

Quarterly Operating Margin History

Month	Value	Change
Mar 2026	14.01%	+31.9%
Dec 2025	10.62%	-52.3%
Sep 2025	22.26%	+161.1%
Jun 2025	-36.44%	-385.6%
Mar 2025	12.76%	+78.0%
Dec 2024	7.17%	-55.2%
Sep 2024	15.99%	+224.3%
Jun 2024	4.93%	-59.4%
Mar 2024	12.14%	+70.0%
Dec 2023	7.14%	-58.8%
Sep 2023	17.33%	+20.9%
Jun 2023	14.34%	+43.0%
Mar 2023	10.03%	-29.0%
Dec 2022	14.12%	-35.5%
Sep 2022	21.90%	-24.8%
Jun 2022	29.12%	-15.8%
Mar 2022	34.58%	-5.4%
Dec 2021	36.56%	-27.0%
Sep 2021	50.07%	-16.4%
Jun 2021	59.92%	+6.5%
Mar 2021	56.25%	+41.5%
Dec 2020	39.74%	-10.4%
Sep 2020	44.36%	+337.9%
Jun 2020	-18.65%	+15.3%
Mar 2020	-22.02%	-223.8%
Dec 2019	17.78%	-19.3%
Sep 2019	22.02%	-11.8%
Jun 2019	24.98%	+14.8%
Mar 2019	21.76%	+36.0%
Dec 2018	16.00%	-40.2%
Sep 2018	26.75%	-14.9%
Jun 2018	31.43%	+39.8%
Mar 2018	22.48%	+61.0%
Dec 2017	13.96%	-36.1%
Sep 2017	21.85%	+1.9%
Jun 2017	21.45%	+28.7%
Mar 2017	16.67%	-1.8%
Dec 2016	16.98%	-25.9%
Sep 2016	22.90%	+5.4%
Jun 2016	21.72%	-7.8%
Mar 2016	23.55%	+8.3%
Dec 2015	21.75%	-20.9%
Sep 2015	27.51%	+34.3%
Jun 2015	20.49%	-26.1%
Mar 2015	27.74%	+13.8%
Dec 2014	24.37%	-15.4%
Sep 2014	28.82%	-8.9%
Jun 2014	31.64%	+2.7%
Mar 2014	30.82%	+30.0%
Dec 2013	23.70%	-17.9%
Sep 2013	28.88%	-8.1%
Jun 2013	31.43%	+8.6%
Mar 2013	28.94%	+38.5%
Dec 2012	20.90%	-25.0%
Sep 2012	27.88%	+311.8%
Jun 2012	6.77%	-79.7%

Month	Value	Change
Mar 2012	33.43%	+163.2%
Dec 2011	12.70%	-49.4%
Sep 2011	25.08%	-18.6%
Jun 2011	30.80%	+3.9%
Mar 2011	29.65%	+32.0%
Dec 2010	22.46%	-8.4%
Sep 2010	24.53%	-5.3%
Jun 2010	25.90%	+32.5%
Mar 2010	19.55%	+22.1%
Dec 2009	16.01%	+1.7%
Sep 2009	15.75%	+69.4%
Jun 2009	9.30%	+318.8%
Mar 2009	-4.25%	+77.8%
Dec 2008	-19.15%	-238.0%
Sep 2008	13.88%	-12.4%
Jun 2008	15.84%	-12.7%
Mar 2008	18.14%	+29.8%
Dec 2007	13.98%	-45.2%
Sep 2007	25.53%	+3.9%
Jun 2007	24.58%	+9.4%
Mar 2007	22.46%	+61.9%
Dec 2006	13.87%	-41.1%
Sep 2006	23.54%	+0.1%
Jun 2006	23.51%	-33.5%
Mar 2006	35.36%	+124.1%
Dec 2005	15.78%	-38.1%
Sep 2005	25.51%	-9.5%
Jun 2005	28.20%	-1.9%
Mar 2005	28.76%	+182.2%
Dec 2004	10.19%	-64.7%
Sep 2004	28.83%	+6.1%
Jun 2004	27.16%	-0.3%
Mar 2004	27.24%	+3.6%
Dec 2003	26.30%	+40.3%
Sep 2003	18.75%	+491.5%
Jun 2003	3.17%	-84.3%
Mar 2003	20.18%	-47.2%
Dec 2002	38.22%	+1,227.4%
Sep 2002	-3.39%	-992.1%
Jun 2002	0.38%	-98.2%
Mar 2002	21.01%	-48.3%
Dec 2001	40.60%	+89.5%
Sep 2001	21.43%	-2.9%
Jun 2001	22.08%	+241.8%
Mar 2001	6.46%	-53.2%
Sep 2000	13.79%	-5.2%
Jun 2000	14.55%	-78.8%
Mar 2000	68.58%	+408.0%
Dec 1999	13.50%	-9.3%
Sep 1999	14.89%	+0.3%
Jun 1999	14.85%	-1.9%
Mar 1999	15.14%	+513.7%
Dec 1998	-3.66%	-121.7%
Sep 1998	16.85%	-6.2%
Jun 1998	17.96%	-2.7%
Mar 1998	18.46%	-

FAQ

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

Operating Margin Formula

Operating Profit Margin = Operating 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