Keuangan Capital One (COF)
NYSE · Financial Services · Financial - Credit Services · Karyawan: 77.500 · CEO: Richard D. Fairbank
- Harga
- $204,85 -1,86%
- Kapitalisasi pasar
- $126 M
- Nilai perusahaan
- $127 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-20
- Laporan berikutnya
- 2027-01-28
Pendapatan (TTM)$79,1 M+24,7% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)21,1%+18,5 poin vs tahun laluLaba operasional: $16,7 M
Laba bersih (TTM)$10,9 M+668,0% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)–– vs tahun laluCapex: –
EPS dilusian (TTM)$16,94+614,8% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$88,9 M+1.076,5% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $126 M EV $127 M
- Pendapatan
- $79,1 M 12 bulan terakhir
- Pertumbuhan pendapatan
- – Tahun fiskal berikutnya
- Margin laba
- 13,7% Laba bersih / pendapatan, TTM
- P/E
- 12,1×
- P/S
- 1,6× Harga / penjualan, TTM
- EV / EBITDA
- 5,9× TTM
- Arus kas bebas
- – 12 bulan terakhir
- Laba bersih
- $10,9 M 12 bulan terakhir
- Estimasi pendapatan
- – Tahun fiskal berikutnya
- Laba
- 2027-01-28
- Dividen
- $3,20 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan melambat: 2,7% yoyPendapatan Q3 '26: $20,4 M, rata-rata empat kuartal sebelumnya: 37,7%.
- Margin operasional 21,1% (TTM), dibanding tahun lalu: +18,5 poinLaba operasional tumbuh 918,5%, pendapatan tumbuh 24,7%.
- 26,7% dari laba sebelum pajak tergerus kerugian non-operasionalLaba sebelum pajak $13,2 M vs laba operasional $16,7 M (TTM). Kerugian dari kepemilikan saham dan pos sekali-pakai lainnya menekan laba bersih dan EPS - laba operasional adalah ukuran bisnis yang lebih bersih.
- Jumlah saham dilusian turun dalam setahun: 4,7%Saham dilusian pada Q3 '26: 610 jt, setahun sebelumnya: 640 jt.
- Kas neto: $88,9 MKas + investasi jangka pendek: $139 M, utang termasuk sewa: $49,8 M; tahun lalu kas neto: $7,56 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $20,4 M | $19,8 M | +2,7% |
| Margin kotor | 66,0% | 64,3% | +1,6 poin |
| Laba operasional | $4,57 M | $4,38 M | +4,3% |
| Margin operasional | 22,5% | 22,1% | +0,4 poin |
| Laba bersih | $3,54 M | $3,19 M | +10,9% |
| EPS dilusian | $5,61 | $4,83 | +16,1% |
| Arus kas operasional | – | $9,15 M | – |
| Capex | – | $387 jt | – |
| Arus kas bebas | – | $8,77 M | – |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | – | $174 jt | – |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q2 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Credit Card | $11,8 M | – | 74,2% | – | – | |
| Consumer Banking | $3,21 M | – | 20,2% | – | – | |
| Interchange Fees, Contracts | – | – | – | – | – | |
| Commercial Banking | $850 jt | – | 5,4% | – | – | |
| Other Contract Revenue | – | – | – | – | – | |
| Service Charges And Other Customer Fees, Contracts | – | – | – | – | – | |
| Other | $26 jt | – | 0,2% | – | – |
Pendapatan per wilayah
porsi dari total| Segmen | Q2 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Other | $365 jt | – | 100,0% | -$296 jt | – |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas bebas
- –
- Dikembalikan ke pemegang saham / FCF
- –
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 12,1× | 19,4× | 5,2× – 60,1× |
| EV / EBITDA | 5,9× | 7,8× | 4,4× – 16,5× |
| EV / Penjualan | 1,6× | 1,7× | 1,1× – 2,7× |
| Harga / FCF | 3,9× | 4,0× | 2,6× – 5,5× |
| Harga / Nilai buku | 1,1× | 1,0× | 0,7× – 1,2× |
| Imbal hasil FCF | 25,6% | 27,4% | 18,1% – 39,1% |
| Imbal hasil modal yang diinvestasikan | 6,9% | 5,0% | 1,1% – 10,2% |
| Imbal hasil ekuitas | 9,7% | 10,5% | 2,2% – 20,3% |
Analis
Target konsensus $252,89 (+23,5%)
rentang $229,00 – $280,00 · peringkat Buy
Beli kuat0
Beli36
Tahan17
Jual4
Jual kuat0
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 383 angka yang ditandai Capital One Financial Corporation dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| $92,8 M | – | – | – | – | – | |
| $0 | – | – | – | – | – | |
| $2,74 M | – | – | – | – | – | |
| $2,71 M | – | – | – | – | – | |
| 4,0% | – | – | – | – | – | |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $6,6 M2025-12-31 | $5,6 M | +17,8% | $6,6 M | $5,6 M | +17,8% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$6,3 M | -$6,82 M | +7,6% | -$5,47 M | -$9,29 M | +41,1% |
| Additional Paid in Capital | $65,1 M | $63,5 M | +2,6% | $64 M | $36,4 M | +75,8% |
| Adjustments to Additional Paid in Capital, Other | – | – | – | $122 jt | – | – |
| Affordable Housing Tax Credits and Other Tax Benefits, Amount | $265 jt | $223 jt | +18,8% | $722 jt | $718 jt | +0,6% |
| Amortization Method Qualified Affordable Housing Project Investments | $6,6 M | $5,7 M | +15,8% | $6,2 M | $5,3 M | +17,0% |
| Amortization Method Qualified Affordable Housing Project Investments, Amortization | $195 jt | $180 jt | +8,3% | $696 jt | $701 jt | -0,7% |
| Amortization of Intangible Assets | $507 jt | $271 jt | +87,1% | $1,33 M | $77 jt | +1.622,1% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $207 jt | $214 jt | -3,3% | $743 jt | $555 jt | +33,9% |
| Assets | $674 M | $659 M | +2,3% | $669 M | $490 M | +36,5% |
| Banking Regulation, Common Equity Tier One Risk-Based Capital, Actual | $73 M2025-12-31 | $50,8 M | +43,8% | $73 M | $50,8 M | +43,8% |
| Banking Regulation, Supplementary Leverage Ratio, Actual | 10,6%2025-12-31 | 9,9% | +7,1% | 10,6% | 9,9% | +7,1% |
| Banking Regulation, Tier One Leverage Capital Ratio, Actual | 12,5%2025-12-31 | 11,6% | +7,8% | 12,5% | 11,6% | +7,8% |
| Banking Regulation, Tier One Leverage Capital Ratio, Capital Adequacy, Minimum | 4,0%2025-12-31 | 4,0% | 0,0% | 4,0% | 4,0% | 0,0% |
| Banking Regulation, Tier One Leverage Capital, Actual | $78,5 M2025-12-31 | $55,7 M | +41,0% | $78,5 M | $55,7 M | +41,0% |
| Banking Regulation, Tier One Risk-Based Capital Ratio, Actual | 15,3%2025-12-31 | 14,8% | +3,4% | 15,3% | 14,8% | +3,4% |
| Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum | 6,0%2025-12-31 | 6,0% | 0,0% | 6,0% | 6,0% | 0,0% |
| Banking Regulation, Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum | 6,0%2025-12-31 | 6,0% | 0,0% | 6,0% | 6,0% | 0,0% |
| Banking Regulation, Tier One Risk-Based Capital, Actual | $78,5 M2025-12-31 | $55,7 M | +41,0% | $78,5 M | $55,7 M | +41,0% |
| Banking Regulation, Total Capital, Actual | $88 M2025-12-31 | $61,8 M | +42,4% | $88 M | $61,8 M | +42,4% |
| Banking Regulation, Total Risk-Based Capital Ratio, Actual | 17,2%2025-12-31 | 16,4% | +4,9% | 17,2% | 16,4% | +4,9% |
| Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum | 8,0%2025-12-31 | 8,0% | 0,0% | 8,0% | 8,0% | 0,0% |
| Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum | 10,0%2025-12-31 | 10,0% | 0,0% | 10,0% | 10,0% | 0,0% |
| Cash and Due from Banks | $4,83 M | $4,85 M | -0,4% | $3,03 M | $3,03 M | +0,1% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | -$83 jt | $55 jt | -250,9% | -$349 jt | -$624 jt | +44,1% |
| Cash Provided by (Used in) Operating Activities, Discontinued Operations | $70 jt2025-12-31 | -$4 jt | +1.850,0% | $84 jt | -$4 jt | +2.200,0% |
| Cash, Cash Equivalents, and Federal Funds Sold | $54,7 M | $59,1 M | -7,4% | $57,4 M | $43,2 M | +32,9% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $55,9 M | $61,6 M | -9,3% | $62,1 M | $43,7 M | +42,2% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$23,4 M | $12,6 M | -285,3% | $18,4 M | -$84 jt | +22.031,0% |
| Common Stock, Capital Shares Reserved for Future Issuance | 15 jt2025-12-31 | 19 jt | -21,1% | 15 jt | 19 jt | -21,1% |
| Common Stock, Dividends, Per Share, Declared | $0,80 | $0,60 | +33,3% | $1,602017-12-31 | $1,60 | 0,0% |
| Common Stock, Par or Stated Value Per Share | $0,01 | $0,01 | 0,0% | $0,01 | $0,01 | 0,0% |
| Common Stock, Shares Authorized | 1 M | 1 M | 0,0% | 1 M | 1 M | 0,0% |
| Common Stock, Shares, Issued | 714 jt | 707 jt | +1,0% | 709 jt | 702 jt | +0,9% |
| Common Stock, Shares, Outstanding | 613 jt | 640 jt | -4,1% | 625 jt | 381 jt | +64,0% |
| Common Stock, Value, Issued | $7 jt | $7 jt | 0,0% | $7 jt | $7 jt | 0,0% |
| Communications and Information Technology | $489 jt | $413 jt | +18,4% | $1,77 M | $1,46 M | +21,1% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $2,6 M | -$3,57 M | +172,9% | $6,27 M | $3,73 M | +68,0% |
| Current Federal Tax Expense (Benefit) | – | – | – | $1,48 M | $1,6 M | -7,2% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $90 jt | $23 jt | +291,3% |
| Current Income Tax Expense (Benefit) | – | – | – | $2,1 M | $2,02 M | +4,2% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $527 jt | $395 jt | +33,4% |
| Debt and Equity Securities, Gain (Loss) | $02025-12-31 | $0 | – | $0 | -$35 jt | +100,0% |
| Debt and Lease Obligation | $45,4 M | $52,7 M | -13,9% | $51 M | $45,6 M | +12,0% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $343 jt | $241 jt | +42,3% | $486 jt | $148 jt | +228,4% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $7,25 M | $8,47 M | -14,3% | $7,09 M | $10,1 M | -30,0% |
| Debt Securities, Available-for-sale, Change in Present Value, Interest Income | – | – | – | $207 jt2021-12-31 | $230 jt | -10,0% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $45,8 M | $54,5 M | -15,9% | $52,2 M | $55,3 M | -5,6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $7,12 M | $8,38 M | -15,0% | $7,08 M | $9,93 M | -28,7% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $16,7 M | $12,6 M | +32,8% | $2,19 M | $15,2 M | -85,6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $133 jt | $87 jt | +52,9% | $6 jt | $194 jt | -96,9% |
| Debt Securities, Available-for-sale, Gain (Loss) | $02025-09-30 | -$35 jt | +100,0% | $26 jt2019-12-31 | -$209 jt | +112,4% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost | $75 M | $75,5 M | -0,6% | $76,7 M | $75,6 M | +1,5% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $68,4 M | $67,6 M | +1,3% | $70,3 M | $66,1 M | +6,4% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Amortized Cost | $8,8 M | $6,78 M | +29,8% | $8,62 M | $5,76 M | +49,7% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30, 10-Q 2024-06-30
Data per 2026-11-01