Capital One Financial Corporation (COF) Gross Margin: 48.31%
Is Capital One Financial Corporation’s gross margin high or low?
Capital One Financial Corporation's gross margin of 48.31% is 25% below its 5-year average of 64.03%, near the low end of its 5-year range (47.33%–101.08%).
As of Sunday, June 21, 2026. 1.53% below its 12-month average of 49.06%.
COF Gross Margin Chart
COF Average Gross Margin Chart
COF Current vs Average Gross Margin Chart
COF Gross Margin Metrics
GROSS MARGIN
48.31%
GROSS MARGIN AVG TTM
49.06%
GROSS MARGIN AVG 3Y
56.35%
GROSS MARGIN AVG 5Y
64.03%
GROSS MARGIN AVG 10Y
66.25%
GROSS MARGIN AVG 15Y
66.31%
GROSS MARGIN AVG 20Y
65.08%
CURRENT VS TTM AVG
-1.53%
CURRENT VS 3Y AVG
-14.27%
CURRENT VS 5Y AVG
-24.55%
CURRENT VS 10Y AVG
-27.08%
CURRENT VS 15Y AVG
-27.15%
CURRENT VS 20Y AVG
-25.77%
COF Competitors' Gross Margin
| NAME | MARKET CAP | GROSS MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Capital One Financial Corporation (COF) | $125.41B | 48.31% | 49.06% | 56.35% | 64.03% |
| Chubb Limited (CB)vs › | $125.43B | 35.20% | 29.13% | 27.76% | 26.38% |
| S&P Global Inc. (SPGI)vs › | $121.63B | 70.47% | 69.67% | 68.16% | 69.70% |
| The Progressive Corporation (PGR)vs › | $119.71B | 28.44% | 28.60% | 22.84% | 24.41% |
| Blackstone Inc. (BX)vs › | $148.69B | 87.51% | 91.07% | 93.02% | 94.64% |
| Brookfield Corporation (BN)vs › | $99.26B | 35.28% | 29.91% | 22.58% | 21.71% |
| Robinhood Markets, Inc. (HOOD)vs › | $97.39B | 82.27% | 81.39% | 77.91% | 76.48% |
| The PNC Financial Services Group, Inc. (PNC)vs › | $93.18B | 71.88% | 65.53% | 70.95% | 76.74% |
| The Charles Schwab Corporation (SCHW)vs › | $159.48B | 87.57% | 80.92% | 82.18% | 87.13% |
| U.S. Bancorp (USB)vs › | $90.25B | 62.81% | 60.80% | 66.50% | 73.95% |
Gross Margin Analysis
Gross Margin
48.3%
(Revenue - COGS) / Revenue
Capital One Financial Corporation Gross Margin Formula & Definition
Gross Margin = Gross Profit / Revenue
Gross margin is the percentage of revenue remaining after the cost of goods sold, reflecting core product profitability.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Capital One Financial Corporation Gross Margin FAQ
- What is the gross margin for Capital One Financial Corporation (COF)?
- The gross margin for COF stock is 48.31%.
- Is Capital One Financial Corporation's gross margin high or low?
- Capital One Financial Corporation's gross margin of 48.31% is 25% below its 5-year average of 64.03%, near the low end of its 5-year range (47.33%–101.08%).
- What is the TTM average gross margin for Capital One Financial Corporation (COF)?
- The TTM average gross margin for COF stock is 49.06%.
- What is the 3Y average gross margin for Capital One Financial Corporation (COF)?
- The 3Y average gross margin for COF stock is 56.35%.
- What is the 5Y average gross margin for Capital One Financial Corporation (COF)?
- The 5Y average gross margin for COF stock is 64.03%.
- What is the 10Y average gross margin for Capital One Financial Corporation (COF)?
- The 10Y average gross margin for COF stock is 66.25%.
- What is the 15Y average gross margin for Capital One Financial Corporation (COF)?
- The 15Y average gross margin for COF stock is 66.31%.
- What is the 20Y average gross margin for Capital One Financial Corporation (COF)?
- The 20Y average gross margin for COF stock is 65.08%.
Capital One Financial Corporation Gross Margin History
| DATE | GROSS MARGIN |
|---|---|
| 2025-12-31 | 47.33% |
| 2024-12-31 | 50.79% |
| 2023-12-31 | 53.27% |
| 2022-12-31 | 74.02% |
| 2021-12-31 | 101.08% |
| 2020-12-31 | 57.70% |
| 2019-12-31 | 66.21% |
| 2018-12-31 | 68.14% |
| 2017-12-31 | 65.62% |
| 2016-12-31 | 69.20% |
| 2015-12-31 | 75.39% |
| 2014-12-31 | 78.55% |
| 2013-12-31 | 78.30% |
| 2012-12-31 | 70.70% |
| 2011-12-31 | 75.14% |
| 2010-12-31 | 64.32% |
| 2009-12-31 | 54.88% |
| 2008-12-31 | 49.08% |
| 2007-12-31 | 62.24% |
| 2006-12-31 | 70.00% |
| 2005-12-31 | 70.73% |
| 2004-12-31 | 71.75% |
| 2003-12-31 | 68.31% |
| 2002-12-31 | 62.57% |
| 2001-12-31 | 68.97% |
| 2000-12-31 | 70.76% |
| 1999-12-31 | 76.71% |
| 1998-12-31 | 73.70% |
| 1997-12-31 | 66.55% |
| 1996-12-31 | 67.54% |
Related Metrics
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