Capital One Financial Corporation (COF) Operating Margin: 4.33%
Is Capital One Financial Corporation’s operating margin high or low?
Capital One Financial Corporation's operating margin of 4.33% is 76% below its 5-year average of 18.34%, near the low end of its 5-year range (3.29%–49.35%).
As of Sunday, June 21, 2026. 39.23% below its 12-month average of 7.13%.
COF Operating Margin Chart
COF Average Operating Margin Chart
COF Current vs Average Operating Margin Chart
COF Operating Margin Metrics
OPERATING MARGIN
4.33%
OPERATING MARGIN AVG TTM
7.13%
OPERATING MARGIN AVG 3Y
12.64%
OPERATING MARGIN AVG 5Y
18.34%
OPERATING MARGIN AVG 10Y
19.55%
OPERATING MARGIN AVG 15Y
20.50%
OPERATING MARGIN AVG 20Y
18.49%
CURRENT VS TTM AVG
-39.23%
CURRENT VS 3Y AVG
-65.74%
CURRENT VS 5Y AVG
-76.39%
CURRENT VS 10Y AVG
-77.85%
CURRENT VS 15Y AVG
-78.88%
CURRENT VS 20Y AVG
-76.59%
COF Competitors' Operating Margin
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Capital One Financial Corporation (COF) | $125.41B | 4.33% | 7.13% | 12.64% | 18.34% |
| Chubb Limited (CB)vs › | $125.43B | 18.61% | 21.11% | 19.08% | 18.64% |
| S&P Global Inc. (SPGI)vs › | $121.63B | 43.88% | 40.76% | 39.48% | 42.90% |
| The Progressive Corporation (PGR)vs › | $119.71B | 16.27% | 15.23% | 10.05% | 10.98% |
| Blackstone Inc. (BX)vs › | $148.69B | 48.83% | 54.35% | 48.73% | 53.98% |
| Brookfield Corporation (BN)vs › | $99.26B | 28.32% | 24.76% | 19.95% | 18.38% |
| Robinhood Markets, Inc. (HOOD)vs › | $97.39B | 46.28% | 41.27% | -4.33% | -17.73% |
| The PNC Financial Services Group, Inc. (PNC)vs › | $93.18B | 27.54% | 24.28% | 25.36% | 25.95% |
| The Charles Schwab Corporation (SCHW)vs › | $159.48B | 43.04% | 35.50% | 34.52% | 35.70% |
| U.S. Bancorp (USB)vs › | $90.25B | 23.18% | 20.36% | 21.07% | 25.19% |
Operating Efficiency
Gross Margin
48.3%
Operating Margin
4.3%
Capital One Financial Corporation Operating Margin Formula & Definition
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Capital One Financial Corporation Operating Margin FAQ
- What is the operating margin for Capital One Financial Corporation (COF)?
- The operating margin for COF stock is 4.33%.
- Is Capital One Financial Corporation's operating margin high or low?
- Capital One Financial Corporation's operating margin of 4.33% is 76% below its 5-year average of 18.34%, near the low end of its 5-year range (3.29%–49.35%).
- What is the TTM average operating margin for Capital One Financial Corporation (COF)?
- The TTM average operating margin for COF stock is 7.13%.
- What is the 3Y average operating margin for Capital One Financial Corporation (COF)?
- The 3Y average operating margin for COF stock is 12.64%.
- What is the 5Y average operating margin for Capital One Financial Corporation (COF)?
- The 5Y average operating margin for COF stock is 18.34%.
- What is the 10Y average operating margin for Capital One Financial Corporation (COF)?
- The 10Y average operating margin for COF stock is 19.55%.
- What is the 15Y average operating margin for Capital One Financial Corporation (COF)?
- The 15Y average operating margin for COF stock is 20.50%.
- What is the 20Y average operating margin for Capital One Financial Corporation (COF)?
- The 20Y average operating margin for COF stock is 18.49%.
Capital One Financial Corporation Operating Margin History
| DATE | OPERATING MARGIN |
|---|---|
| 2025-12-31 | 3.29% |
| 2024-12-31 | 10.96% |
| 2023-12-31 | 12.22% |
| 2022-12-31 | 24.08% |
| 2021-12-31 | 49.35% |
| 2020-12-31 | 10.12% |
| 2019-12-31 | 20.36% |
| 2018-12-31 | 22.96% |
| 2017-12-31 | 18.31% |
| 2016-12-31 | 19.93% |
| 2015-12-31 | 23.49% |
| 2014-12-31 | 27.52% |
| 2013-12-31 | 27.21% |
| 2012-12-31 | 22.37% |
| 2011-12-31 | 24.76% |
| 2010-12-31 | 22.71% |
| 2009-12-31 | 8.38% |
| 2008-12-31 | 3.27% |
| 2007-12-31 | 20.34% |
| 2006-12-31 | 24.21% |
| 2005-12-31 | 23.41% |
| 2004-12-31 | 22.13% |
| 2003-12-31 | 18.67% |
| 2002-12-31 | 15.04% |
| 2001-12-31 | 14.02% |
| 2000-12-31 | 13.72% |
| 1999-12-31 | 14.55% |
| 1998-12-31 | 17.07% |
| 1997-12-31 | 17.09% |
| 1996-12-31 | 17.45% |
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.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Richard D. Fairbank