Capital One Financial (COF) Interest Coverage Ratio: History & Chart

Capital One Financial Corporation (COF)COFCapital One Financial Corporation

About Capital One Financial Corporation

Capital One Financial Corporation, identified by its ticker COF, operates as a prominent financial services holding company. It oversees essential subsidiaries such as Capital One Bank (USA), National Association, and Capital One, National Association, which collectively offer a broad spectrum of financial products and services throughout the United States, Canada, and the United Kingdom. The company structures its extensive operations into three core divisions: Credit Card, Consumer Banking, and Commercial Banking. Clients can utilize various deposit instruments, including checking accounts, money market accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, and time deposits. Capital One's lending solutions are equally comprehensive, encompassing credit card financing, personal auto and retail banking loans, as well as significant commercial and multifamily real estate loans, and broader commercial and industrial credit facilities. Furthermore, the corporation provides credit and debit card issuance, robust online direct banking capabilities, and specialized treasury management and custodial services. Capital One serves a diverse clientele that includes individual consumers, small enterprises, and large commercial entities. It reaches these customers through a multi-channel approach, leveraging digital platforms, traditional physical branches, innovative café locations, and other distribution points, particularly within key states like New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Established in 1988, Capital One Financial Corporation maintains its primary executive offices in McLean, Virginia.

McLean, VA

76,300 employees

www.capitalone.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Richard D. Fairbank

View full financials

COF Interest Coverage Ratio Metrics

INTEREST COVERAGE RATIO

1.83x

INTEREST COVERAGE RATIO AVG TTM

0.49x

INTEREST COVERAGE RATIO AVG 3Y

0.52x

INTEREST COVERAGE RATIO AVG 5Y

0.57x

INTEREST COVERAGE RATIO AVG 10Y

1.12x

INTEREST COVERAGE RATIO AVG 15Y

2.11x

INTEREST COVERAGE RATIO AVG 20Y

1.71x

CURRENT VS TTM AVG

+274.09%

CURRENT VS 3Y AVG

+251.47%

CURRENT VS 5Y AVG

+222.57%

CURRENT VS 10Y AVG

+63.41%

CURRENT VS 15Y AVG

-13.17%

CURRENT VS 20Y AVG

+7.37%

SECTOR MEDIAN · FINANCIAL SERVICES

5.20x

median of 91 covered companies

CURRENT VS SECTOR MEDIAN

-64.79%

vs the sector median at left

NAME	MARKET CAP	INTEREST COVERAGE RATIO	TTM	3Y	5Y
Capital One Financial Corporation (COF)	$135.97B	1.83x	0.49x	0.52x	0.57x
Chubb Limited (CB)vs ›	$136.01B	17.07x	16.27x	14.52x	14.34x
The Progressive Corporation (PGR)vs ›	$123.70B	51.16x	44.78x	27.91x	27.33x
S&P Global Inc. (SPGI)vs ›	$120.88B	22.57x	20.68x	17.41x	21.80x
Interactive Brokers Group, Inc. (IBKR)vs ›	$153.35B	2.09x	1.98x	2.23x	3.93x
Bank of New York Mellon Corp (BNY)vs ›	$108.96B	0.34x	0.31x	0.46x	4.38x
Blackstone Inc. (BX)vs ›	$164.31B	14.12x	14.34x	11.61x	21.76x
Vanguard FTSE Emerging Markets ETF (VWO)vs ›	$167.54B	N/A	N/A	N/A	N/A
The PNC Financial Services Group, Inc. (PNC)vs ›	$101.89B	0.78x	0.67x	1.27x	3.66x
U.S. Bancorp (USB)vs ›	$100.02B	0.66x	0.58x	1.00x	2.87x

NAME

MARKET CAP

INTEREST COVERAGE RATIO

TTM

Capital One Financial Corporation (COF)

$135.97B

1.83x

0.49x

0.52x

0.57x

Chubb Limited (CB)vs ›

$136.01B

17.07x

16.27x

14.52x

14.34x

The Progressive Corporation (PGR)vs ›

$123.70B

51.16x

44.78x

27.91x

27.33x

S&P Global Inc. (SPGI)vs ›

$120.88B

22.57x

20.68x

17.41x

21.80x

Interactive Brokers Group, Inc. (IBKR)vs ›

$153.35B

2.09x

1.98x

2.23x

3.93x

Bank of New York Mellon Corp (BNY)vs ›

$108.96B

0.34x

0.31x

0.46x

4.38x

Blackstone Inc. (BX)vs ›

$164.31B

14.12x

14.34x

11.61x

21.76x

Vanguard FTSE Emerging Markets ETF (VWO)vs ›

$167.54B

N/A

The PNC Financial Services Group, Inc. (PNC)vs ›

$101.89B

0.78x

0.67x

1.27x

3.66x

U.S. Bancorp (USB)vs ›

$100.02B

0.66x

0.58x

1.00x

2.87x

Interest Coverage Ratio FAQ

What is the interest coverage ratio for Capital One Financial Corporation (COF)?

The interest coverage ratio for COF stock is 1.83x.

Is Capital One Financial Corporation's interest coverage ratio high or low?

The interest coverage ratio of 1.83x is 25% below its 5-year average of 2.43x, near the low end of its 5-year range (-1.55x–11.54x).

What is the TTM average interest coverage ratio for Capital One Financial Corporation (COF)?

The TTM average interest coverage ratio for COF stock is 0.49x.

What is the 3Y average interest coverage ratio for Capital One Financial Corporation (COF)?

The 3Y average interest coverage ratio for COF stock is 0.52x.

What is the 5Y average interest coverage ratio for Capital One Financial Corporation (COF)?

The 5Y average interest coverage ratio for COF stock is 0.57x.

What is the 10Y average interest coverage ratio for Capital One Financial Corporation (COF)?

The 10Y average interest coverage ratio for COF stock is 1.12x.

What is the 15Y average interest coverage ratio for Capital One Financial Corporation (COF)?

The 15Y average interest coverage ratio for COF stock is 2.11x.

What is the 20Y average interest coverage ratio for Capital One Financial Corporation (COF)?

The 20Y average interest coverage ratio for COF stock is 1.71x.

DATE	INTEREST COVERAGE RATIO
2026-06-30	1.83x
2026-03-31	0.66x
2025-12-31	0.50x
2025-09-30	1.01x
2025-06-30	-1.55x
2025-03-31	0.51x
2024-12-31	0.40x
2024-09-30	0.59x
2024-06-30	0.17x
2024-03-31	0.43x
2023-12-31	0.26x
2023-09-30	0.64x
2023-06-30	0.57x
2023-03-31	0.45x
2022-12-31	0.79x
2022-09-30	1.83x
2022-06-30	4.44x
2022-03-31	7.61x
2021-12-31	8.03x
2021-09-30	10.43x
2021-06-30	11.54x
2021-03-31	9.56x
2020-12-31	5.92x
2020-09-30	5.31x
2020-06-30	-1.70x
2020-03-31	-1.76x
2019-12-31	1.20x
2019-09-30	1.27x
2019-06-30	1.51x
2019-03-31	1.32x
2018-12-31	1.01x
2018-09-30	1.73x
2018-06-30	2.38x
2018-03-31	1.81x
2017-12-31	1.65x
2017-09-30	2.20x
2017-06-30	2.27x
2017-03-31	1.86x
2016-12-31	2.02x
2016-09-30	2.92x
2016-06-30	2.86x
2016-03-31	3.19x
2015-12-31	3.15x
2015-09-30	4.08x
2015-06-30	3.09x
2015-03-31	4.18x
2014-12-31	3.65x
2014-09-30	4.26x
2014-06-30	4.50x
2014-03-31	4.23x
2013-12-31	3.14x
2013-09-30	3.87x
2013-06-30	4.07x
2013-03-31	3.48x
2012-12-31	2.07x
2012-09-30	2.83x
2012-06-30	0.38x
2012-03-31	3.29x
2011-12-31	1.10x
2011-09-30	2.24x
2011-06-30	2.48x
2011-03-31	2.26x
2010-12-31	1.59x
2010-09-30	1.63x
2010-06-30	1.60x
2010-03-31	1.20x
2009-12-31	0.83x
2009-09-30	0.84x
2009-06-30	0.42x
2009-03-31	-0.17x
2008-12-31	-1.74x
2008-09-30	0.62x
2008-06-30	0.73x
2008-03-31	0.91x
2007-12-31	0.41x
2007-09-30	1.09x
2007-06-30	0.91x
2007-03-31	0.89x
2006-12-31	0.60x
2006-09-30	1.17x
2006-06-30	1.23x
2006-03-31	1.97x
2005-12-31	0.75x
2005-09-30	1.55x
2005-06-30	1.73x
2005-03-31	1.66x
2004-12-31	0.61x
2004-09-30	1.62x
2004-06-30	1.44x
2004-03-31	1.63x
2003-12-31	0.99x
2003-09-30	1.16x
2003-06-30	1.17x
2003-03-31	1.32x
2002-12-31	1.01x
2002-09-30	1.08x

DATE

INTEREST COVERAGE RATIO

2026-06-30

1.83x

2026-03-31

0.66x

2025-12-31

0.50x

2025-09-30

1.01x

2025-06-30

-1.55x

2025-03-31

0.51x

2024-12-31

0.40x

2024-09-30

0.59x

2024-06-30

0.17x

2024-03-31

0.43x

2023-12-31

0.26x

2023-09-30

0.64x

2023-06-30

0.57x

2023-03-31

0.45x

2022-12-31

0.79x

2022-09-30

1.83x

2022-06-30

4.44x

2022-03-31

7.61x

2021-12-31

8.03x

2021-09-30

10.43x

2021-06-30

11.54x

2021-03-31

9.56x

2020-12-31

5.92x

2020-09-30

5.31x

2020-06-30

-1.70x

2020-03-31

-1.76x

2019-12-31

1.20x

2019-09-30

1.27x

2019-06-30

1.51x

2019-03-31

1.32x

2018-12-31

1.01x

2018-09-30

1.73x

2018-06-30

2.38x

2018-03-31

1.81x

2017-12-31

1.65x

2017-09-30

2.20x

2017-06-30

2.27x

2017-03-31

1.86x

2016-12-31

2.02x

2016-09-30

2.92x

2016-06-30

2.86x

2016-03-31

3.19x

2015-12-31

3.15x

2015-09-30

4.08x

2015-06-30

3.09x

2015-03-31

4.18x

2014-12-31

3.65x

2014-09-30

4.26x

2014-06-30

4.50x

2014-03-31

4.23x

2013-12-31

3.14x

2013-09-30

3.87x

2013-06-30

4.07x

2013-03-31

3.48x

2012-12-31

2.07x

2012-09-30

2.83x

2012-06-30

0.38x

2012-03-31

3.29x

2011-12-31

1.10x

2011-09-30

2.24x

2011-06-30

2.48x

2011-03-31

2.26x

2010-12-31

1.59x

2010-09-30

1.63x

2010-06-30

1.60x

2010-03-31

1.20x

2009-12-31

0.83x

2009-09-30

0.84x

2009-06-30

0.42x

2009-03-31

-0.17x

2008-12-31

-1.74x

2008-09-30

0.62x

2008-06-30

0.73x

2008-03-31

0.91x

2007-12-31

0.41x

2007-09-30

1.09x

2007-06-30

0.91x

2007-03-31

0.89x

2006-12-31

0.60x

2006-09-30

1.17x

2006-06-30

1.23x

2006-03-31

1.97x

2005-12-31

0.75x

2005-09-30

1.55x

2005-06-30

1.73x

2005-03-31

1.66x

2004-12-31

0.61x

2004-09-30

1.62x

2004-06-30

1.44x

2004-03-31

1.63x

2003-12-31

0.99x

2003-09-30

1.16x

2003-06-30

1.17x

2003-03-31

1.32x

2002-12-31

1.01x

2002-09-30

1.08x

Interest Coverage Ratio: 1.83x

COF Interest Coverage Ratio

COF Average Interest Coverage Ratio Chart

COF Current vs Average Interest Coverage Ratio Chart

COF Interest Coverage Ratio Metrics

COF Competitors' Interest Coverage Ratio

Financial Health Indicators

Interest Coverage Ratio Formula & Definition

Interest Coverage Ratio FAQ

COF Interest Coverage Ratio History

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