Aureus
AExcellent

Capital One Financial Corporati(COF)

A

Financial data as of Dec 31, 2025Improving · Financials

FCF Margin48.9%Free Cash Flow / Revenue
Cash Conversion—Operating CF / Net Income
Free Cash Flow$26.1B
Revenue$53.4B
Net Cash$7.0BCash exceeds debt
Debt / FCF1.9xManageable debt load
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth+200.0%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 (48.9%, 1.9x)
→
-0.5Current ratio below 1.0 (0.00) (reduced — strong FCF covers short-term obligations)
→
+1Strong YoY FCF growth (200.0% YoY)
→
+1Net cash position with strong FCF margin
→
+1Very low debt-to-FCF ratio (1.9x)
→
FinalA

Analysis Summary

Strengths

  • Exceptional FCF margin (48.9%)
  • Net cash position ($7.0B)
  • Very low debt relative to cash flow (1.9x)
  • Strong YoY FCF growth (+200.0%)

Concerns

  • 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 Margin48.9%
Net Margin4.6%
Operating CF Margin51.9%
CapEx Ratio3.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash$7.0BCash exceeds debt
Debt / FCF1.9xManageable debt load
Current Ratio0.00Tight liquidity
Debt / Equity0.44Low leverage

Quarterly FCF Trend

+200.0% YoYImproving (+200.0%)

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$26.1B
Revenue$53.4B
Net Income$2.5B
Operating Cash Flow$27.7B
Capital Expenditure$1.6B
FCF Margin48.9%
Cash Conversion Rate—
Net Margin4.6%
Total Debt$50.4B
Total Cash$57.4B
Net Cash$7.0B
Current Ratio0.00
Debt / Equity0.44
Debt / FCF1.9x
YoY FCF Growth+200.0%
Positive Quarters5 of 5
Trend DirectionImproving
Report DateDec 31, 2025
GradeA
Data SourceYahoo Finance

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