Capital One Financial

Capital One Financial ROA

The Return on Assets (ROA) of Capital One Financial (COF) as of Nov 2, 2026 is 0.37 %. In the previous year, Return on Assets (ROA) was 0.97 % — a change of -62.16% (lower).

ROA

0.37 %

YoY

-62.16%

Last updated:

In 2025, Capital One Financial's return on assets (ROA) was 0.37 %, a -62.16% increase from the 0.97 % ROA in the previous year.

The Capital One Financial ROA history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROA
Date
ROA
Jan 1, 2018
1.61 USD
Jan 1, 2019
1.42 USD
Jan 1, 2020
0.64 USD
Jan 1, 2021
2.87 USD
Jan 1, 2022
1.62 USD
Jan 1, 2023
1.02 USD
Jan 1, 2024
0.97 USD
Jan 1, 2025
0.37 USD
The Capital One Financial ROA history
YEARROAYoY
0.37 %-62.16%
0.97 %-5.12%
1.02 %-36.82%
1.62 %-43.58%
2.87 %+345.14%
0.64 %-54.69%
1.42 %-12.01%
1.61 %+197.91%
0.54 %-48.41%
1.05 %-13.35%
1.21 %-15.43%
1.43 %—

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Capital One Financial Stock analysis

What does Capital One Financial do? Capital One Financial Corp is a US-based financial holding company that was founded in 1988. The company focuses on offering solutions and services for the credit card, banking, and retail business. History Capital One was originally founded as a pure credit card bank. The company specialized in providing credit cards to customers with lower credit ratings in order to give more people access to credit. However, over the past few decades, Capital One has expanded its business and now also offers banking and retail products. Business Model Capital One's business model is based on making data-driven decisions to offer customers accessible and customer-oriented products. The company relies on innovative technologies and algorithms to meet the needs of each customer. Capital One Financial Corp has made a name for itself in the financial industry and is known for its advanced analytical methods and ability to identify market trends. Segments Capital One has several segments to fulfill customer needs and promote growth in various areas. These segments include: 1. Credit Cards: Capital One offers a variety of credit cards, from cashback cards to travel credit cards. They also have special credit cards available for students and small business owners. 2. Banking: Capital One provides customers with various banking products, from checking accounts to mortgages and auto loans. 3. Investing: Capital One has an online platform where customers can manage their portfolios and invest. 4. Retail: Capital One also offers retail products, such as gift cards and financing for the purchase of appliances and electronics. Products Capital One offers a wide range of products and services to its customers, including: 1. Credit Cards: Capital One has a variety of credit cards, many of which include rewards and benefits. 2. Savings Accounts: Capital One offers savings accounts with high interest rates and no monthly fees. 3. Checking Accounts: Customers have the option to open checking accounts with Capital One that have no minimum balance requirements or monthly fees. 4. Mortgages: Capital One offers mortgages for both homebuyers and real estate investors. 5. Auto Loans: The company provides auto loans for buyers and dealers. 6. Personal Loans: Capital One offers personal loans for various purposes, such as moving or consolidating debt. In conclusion, Capital One Financial Corp is a financial holding company that focuses on customer-oriented solutions and services for the credit card, banking, and retail business. The company relies on data-driven decisions and innovative technologies to meet the needs of its customers. Capital One offers a variety of products, including credit cards, savings accounts, checking accounts, mortgages, auto loans, and personal loans. Capital One Financial is one of the most popular companies on Eulerpool.

ROA Details

Understanding Capital One Financial's Return on Assets (ROA)

Capital One Financial's Return on Assets (ROA) is a key performance indicator that measures the company's profitability in relation to its total assets. It is calculated by dividing the net income by the total assets. A higher ROA indicates efficient asset utilization to generate profits, reflecting managerial effectiveness and financial health.

Year-to-Year Comparison

Comparing Capital One Financial's ROA year-over-year provides insights into the company’s operational efficiency and asset utilization trends. An increasing ROA demonstrates enhanced asset efficiency and profitability, while a declining ROA can indicate operational or financial challenges.

Impact on Investments

Investors consider Capital One Financial's ROA as a crucial metric to evaluate the company’s profitability and efficiency. A higher ROA signifies that the company is effectively utilizing its assets to generate profits, making it a potentially attractive investment.

Interpreting ROA Fluctuations

Variations in Capital One Financial’s ROA can be attributed to changes in net income, asset purchases, or operational efficiencies. Analyzing these fluctuations assists in assessing the company's financial performance, management efficiency, and strategic financial positioning.

Frequently Asked Questions about Capital One Financial stock

Return on Assets (ROA) of Capital One Financial is 0.37 % in 2025.

Return on Assets (ROA) of Capital One Financial changed from 0.97 % to 0.37 %, representing a -62.16% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Return on Assets (ROA) Capital One Financial since 2006 – with annual values, charts, and detailed analysis.

Return on Assets, also known as ROA, is a financial metric used to measure a company's profitability. It is used to determine how effectively a company uses its assets to generate profits. It is also referred to as the ratio of net income to total assets. ROA is an important indicator of a company's overall financial performance as it measures the company's ability to generate more profit from the assets it employs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Assets (ROA)'s Capital One Financial with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Assets (ROA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Assets (ROA).

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Profitability — Capital One Financial

All Key Metrics — Capital One Financial