Aureus
AExcellent

Capital One Financial Corporati(COF)

A

Financial data as of Dec 31, 2024Improving · Financials

FCF Margin43.3%Free Cash Flow / Revenue
Cash Conversion—Operating CF / Net Income
Free Cash Flow$17.0B
Revenue$39.1B
Net Cash-$1.8BNet debt position
Debt / FCF2.7xManageable debt load
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth+42.6%5 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseA
→
+0.5Healthy FCF margin with manageable debt (43.3%, 2.7x)
→
-1Current ratio below 1.0 (0.00)
→
+1Strong YoY FCF growth (42.6% YoY)
→
FinalA

Analysis Summary

Strengths

  • Exceptional FCF margin (43.3%)
  • Strong YoY FCF growth (+42.6%)
  • FCF trend is improving

Concerns

  • Net debt position ($1.8B)
  • Current ratio below 1.0 — tight short-term liquidity
Cash conversion ratio unavailable or not meaningful

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin43.3%
Net Margin12.1%
Operating CF Margin46.4%
CapEx Ratio3.1%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$1.8BNet debt position
Debt / FCF2.7xManageable debt load
Current Ratio0.00Tight liquidity
Debt / Equity0.74Low leverage

Quarterly FCF Trend

+42.6% YoYImproving (+42.6%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

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Detailed Metrics

Company NameCapital One Financial Corporati
SectorFinancials
Free Cash Flow$17.0B
Revenue$39.1B
Net Income$4.8B
Operating Cash Flow$18.2B
Capital Expenditure$1.2B
FCF Margin43.3%
Cash Conversion Rate—
Net Margin12.1%
Total Debt$45.0B
Total Cash$43.2B
Net Cash-$1.8B
Current Ratio0.00
Debt / Equity0.74
Debt / FCF2.7x
YoY FCF Growth+42.6%
Positive Quarters5 of 5
Trend DirectionImproving
Report DateDec 31, 2024
GradeA
Data SourceYahoo Finance

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