Filing Flows › Capital One Financial (COF) › Q3 2026 › vs Q3 2025
Capital One Financial (COF) Q3 2026 vs Q3 2025 (year over year)
Capital One Financial's revenue rose $985M (+6%) from $15.4B in Q3 2025 to $16.3B in Q3 2026. Operating margin 28.0% against 28.5% (-0.6 pts).
Capital One Financial, Q3 2026: revenue $16.3B (+6% year over year), operating margin 28.0%, net earnings $3.5B, operating cash flow $5.7B. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 28.0% | 28.5% | -0.6 pts |
| Net margin | 21.7% | 20.8% | +0.9 pts |
| Free cash flow margin | 32.6% | 57.1% | -24.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $16.3B | $15.4B | $985M | +6% |
| Operating profit | $4.6B | $4.4B | $190M | +4% |
| Costs & expenses | $11.8B | $11.0B | $795M | +7% |
| Pre-tax earnings | $4.6B | $4.4B | $190M | +4% |
| Net earnings | $3.5B | $3.2B | $347M | +11% |
| Income tax | $1.0B | $1.2B | −$156M | -13% |
| Depreciation & amortization | $1.6B | $1.8B | −$266M | -15% |
| Share-based compensation | $175M | $174M | $1.0M | +0.6% |
| Working capital & other | $432M | $4.0B | −$3.5B | -89% |
| Operating cash flow | $5.7B | $9.2B | −$3.4B | -38% |
| Free cash flow (OCF − capex) | $5.3B | $8.8B | −$3.4B | -39% |
| Capital expenditures | $392M | $387M | $5.0M | +1% |
Questions
How much did Capital One Financial's revenue grow year over year in Q3 2026?
Capital One Financial's revenue rose $985M (+6%) from $15.4B in Q3 2025 to $16.3B in Q3 2026. Operating margin 28.0% against 28.5% (-0.6 pts).