📈 Net Income History (16 Quarters)
🧮 COF Net Income Breakdown
Understanding Net Income
Net income, also called the "bottom line" or net profit, is the money a company keeps after paying all expenses including cost of goods, operating costs, interest, and taxes. For COF, the trailing twelve month net income is $3.2B.
Why Net Income Matters
Net income is the ultimate measure of accounting profitability. It determines earnings per share (EPS), affects stock valuations through the P/E ratio, and represents the theoretical amount available to shareholders. However, net income can be influenced by accounting choices, which is why value investors often look at cash flow metrics alongside it.
COF's net income growth rate of 11.63% (based on log-linear regression of 16 quarters) indicates strong profit growth above market averages.
Net Income vs Cash Flow Metrics
Free Cash Flow: $27.3B →
Actual cash generated after capital expenditures. FCF often differs from net income due to depreciation, working capital changes, and capex timing.
Owner Earnings: $27.3B →
Buffett's preferred metric that adds back depreciation but subtracts maintenance capex. Often considered more accurate than net income.
EPS (Diluted): $3.92 →
Net income divided by diluted shares outstanding. The primary driver of the P/E ratio used in valuations.
Revenue: $58.7B →
The top line that net income is derived from. Net margin shows what percentage of revenue becomes profit.
P/E Ratio Analysis
COF's P/E ratio of 55.3x means investors pay $55.27 for every $1 of annual earnings. A P/E above 40 indicates very high growth expectations.
Net Margin: Profitability Efficiency
Net margin of 5.49% shows what percentage of COF's revenue converts to profit after all costs. Net margins between 5-10% are common in competitive industries with thinner profits.
Summary: COF Net Income Trend
CAPITAL ONE FINANCIAL CORP (COF) has a net margin of 5.49%, which Zyberno classifies as acceptable for a Financials company — within the 5–12% range Zyberno considers typical for financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at 11.63% annually — above the 10% threshold Zyberno considers healthy growth above market averages. For complete financial analysis, view the full COF stock report on Zyberno.
Frequently Asked Questions
What is COF's current net income?
CAPITAL ONE FINANCIAL CORP's TTM net income is $3.2B, growing at 11.63% annually — above the 10% threshold Zyberno considers healthy growth above market averages.
Is COF's net income growing?
CAPITAL ONE FINANCIAL CORP (COF) has a net margin of 5.49%, which Zyberno classifies as acceptable for a Financials company — within the 5–12% range Zyberno considers typical for financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at 11.63% annually — above the 10% threshold Zyberno considers healthy growth above market averages.
What is COF's net profit margin?
CAPITAL ONE FINANCIAL CORP (COF) has a net margin of 5.49%, which Zyberno classifies as acceptable for a Financials company — within the 5–12% range Zyberno considers typical for financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at 11.63% annually — above the 10% threshold Zyberno considers healthy growth above market averages.
What is COF's P/E ratio?
COF's P/E ratio is 55.3x, meaning the market values the company at 55.3 times its annual earnings.
How does net income differ from free cash flow?
Net income is an accounting measure that includes non-cash items like depreciation, while free cash flow shows actual cash generated. COF's net income is $3.2B versus free cash flow of $27.3B. Large differences often indicate significant capital expenditures or working capital changes.
📊 Full COF Stock Report →
See COF's intrinsic value, margin of safety, DCF valuation, and complete financial analysis with 250+ metrics.
💵 COF Free Cash Flow →
Compare to Free Cash Flow which subtracts all capital expenditures, not just maintenance CapEx.
💰 COF Owner Earnings →
Compare to Buffett's Owner Earnings metric which uses maintenance CapEx instead of total capital expenditures.
📈 COF Earnings Per Share →
Analyze EPS trends, P/E ratio, earnings yield, and per-share profitability metrics.
🎯 COF Earnings Surprise (SUE) →
See whether COF is beating or missing its own earnings trend — Standardized Unexpected Earnings and post-earnings drift.
📊 COF Revenue →
Analyze revenue trends, growth rate, P/S ratio, and top-line sales performance.
💰 COF Net Income →
Analyze the bottom-line profit, P/E ratio, and net profit margin trends.
🔶 COF Operating Income →
Analyze EBIT, operating margin, and core business profitability before interest and taxes.
💜 COF Gross Profit →
Analyze gross margin, pricing power, and profitability before operating expenses.