Capital One Financial Corporation Financial Ratios — COF-PJ

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	26.14	22.93	21.9	19.7	15.25	12.45	5.68	17.27	13.81	6.05	26.6	13.18	7.89	7.21	3.39
Return on Assets (%)	1.56	1.35	1.35	1.46	1.26	1.09	0.55	1.63	1.45	0.67	2.9	1.66	1.05	0.98	0.42
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.56	8.95	9.23	8.98	8.97	9.52	8.96	8.69	11.68	12.27	11.44	9.37	8.77	8.28	9.84
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	28.18	24.92	29.39	29.47	25.12	21.51	20.16	26.54	24.04	11.23	51.94	26.98	16.43	15.11	4.27
Profit Margin (%)	19.33	16.79	18.41	19.87	17.3	14.71	7.28	21.81	19.4	9.52	40.71	21.49	13.28	12.14	4.59
Net Income to Common Margin (%)	19.17	16.71	18.17	19.56	16.62	13.87	6.3	20.85	18.41	8.53	39.81	20.82	12.66	11.56	4.12
Effective Tax Rate (%)	29.08	28.45	33.81	32.67	31.78	31.25	61.45	17.67	19.51	15.17	21.6	20.35	19.16	19.68	8.46
Dvd Payout Ratio (%)	2.01	3	12.9	15.59	21.17	22.83	42.12	13.42	14.34	18.88	9.47	13.32	19.98	20.62	82.57
Sustainable Growth Rate (%)	25.61	22.24	19.07	16.63	12.02	9.61	3.29	14.95	11.83	4.91	24.08	11.43	6.31	5.72	0.59

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	49,131	48,662	39,739	47,577	58,134	59,468	59,705	58,553	55,383	39,871	42,266	47,832	49,318	44,989	50,413
ST Debt	11,034	- -	- -	- -	20,098	17,179	8,609	9,050	7,000	- -	- -	- -	- -	- -	500
LT Debt	38,097	48,662	39,739	47,577	38,036	42,289	51,096	49,503	48,383	39,871	42,266	47,832	49,318	44,989	49,913
Total Debt/EBITDA	84.85	26.13	19.24	23.76	27.68	24.49	24.47	24.44	16.59	11.39	12.14	14.9	15.29	13.9	9.58
Net Debt/EBITDA	75.36	20.2	16.36	20.15	23.85	20.38	18.72	18.93	12.54	-0.2	5.88	5.29	1.87	0.53	-1.34
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.54	5.39	6.84	7.78	8.1	8.34	8.4	9.63	10.34	9.51	11.8	12.56	12.74	13.16	9.75
Long-Term Debt/Equity (%)	128.42	120.16	95.45	105.6	80.44	89	104.86	95.81	83.4	66.23	69.26	90.97	84.9	74.01	43.93
Long-Term Debt/Capital (%)	60.86	74.27	66.19	66.49	44.65	47.39	56.51	52.42	50.54	49.86	45.31	45.54	44.72	41.09	43.17
Long-Term Debt/Total Assets (%)	18.49	15.55	13.38	15.44	11.39	11.84	13.97	13.29	12.39	9.46	9.78	10.51	10.31	9.18	7.46
Total Debt/Equity (%)	165.61	120.16	95.45	105.6	122.95	125.16	122.52	113.33	95.47	66.23	69.26	90.97	84.9	74.01	44.37
Total Debt/Capital (%)	78.49	74.27	66.19	66.49	68.24	66.64	66.04	62	57.85	49.86	45.31	45.54	44.72	41.09	43.61
Total Debt/Total Assets (%)	23.85	15.55	13.38	15.44	17.4	16.66	16.33	15.72	14.19	9.46	9.78	10.51	10.31	9.18	7.54
Net Debt to Equity	147.09	92.85	81.16	89.53	105.91	104.16	93.71	87.8	72.18	-1.18	33.54	32.28	10.37	2.85	-6.2
Net Debt/Capital (%)	76.42	69.05	62.47	62.72	64.9	62.44	59.79	55.84	50.86	-1.81	28.61	22.89	8.99	2.61	-12.11
EBITDA	579	1,862	2,065	2,002	2,100	2,428	2,440	2,396	3,339	3,501	3,481	3,210	3,226	3,237	5,260
EBITDA-CapEx	264	1,302	1,247	1,500	1,568	1,649	1,422	1,522	2,452	2,791	2,783	2,276	2,265	2,033	5,260
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.54	5.39	6.84	7.78	8.1	8.34	8.4	9.63	10.34	9.51	11.8	12.56	12.74	13.16	9.75
Long-Term Debt/Equity (%)	128.42	120.16	95.45	105.6	80.44	89	104.86	95.81	83.4	66.23	69.26	90.97	84.9	74.01	43.93
Long-Term Debt/Capital (%)	60.86	74.27	66.19	66.49	44.65	47.39	56.51	52.42	50.54	49.86	45.31	45.54	44.72	41.09	43.17
Long-Term Debt/Total Assets (%)	18.49	15.55	13.38	15.44	11.39	11.84	13.97	13.29	12.39	9.46	9.78	10.51	10.31	9.18	7.46
Total Debt/Equity (%)	165.61	120.16	95.45	105.6	122.95	125.16	122.52	113.33	95.47	66.23	69.26	90.97	84.9	74.01	44.37
Total Debt/Capital (%)	78.49	74.27	66.19	66.49	68.24	66.64	66.04	62	57.85	49.86	45.31	45.54	44.72	41.09	43.61
Total Debt/Total Assets (%)	23.85	15.55	13.38	15.44	17.4	16.66	16.33	15.72	14.19	9.46	9.78	10.51	10.31	9.18	7.54
CFO/Total Liabilities	4.23	3.5	3.91	3.54	3.53	3.83	4.47	4.04	5.01	4.62	3.31	3.43	4.89	4.23	4.99
CFO/CapEx	23.67	17.01	12.21	18.53	19.04	15.22	13.93	14.85	18.76	23.52	17.64	14.78	21.41	15.08	- -
Altman's Z-Score	0.18	0.15	0.18	0.19	0.19	0.2	0.2	0.22	0.23	0.21	0.24	0.26	0.26	0.27	0.23

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	15.51	15.28	14.39	17.85	20.65	20.08	18.87	17.51	16.96	17.67	20.77	19.22	16.06	15.61	17.74
Days Sales Outstanding	23.53	23.89	25.37	20.44	17.68	18.18	19.34	20.85	21.52	20.66	17.58	18.99	22.73	23.38	20.57
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	5,496	11,057	5,952	7,242	8,023	9,976	14,040	13,186	13,407	40,509	21,746	30,856	43,297	43,230	57,434
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	49,131	48,662	39,739	47,577	58,134	59,468	59,705	58,553	55,383	39,871	42,266	47,832	49,318	44,989	50,413
Enterprise Value	4,876	-26,374	-8,013	827	11,050	8,755	8,010	-783	-37,237	-101,083	-74,741	-59,943	-73,096	-81,254	-11,295
Total Capital	62,598	65,521	60,037	71,556	85,185	89,241	90,412	94,435	95,730	79,966	93,279	105,023	110,270	109,501	115,612
Total Debt/Capital (%)	78.49	74.27	66.19	66.49	68.24	66.64	66.04	62	57.85	49.86	45.31	45.54	44.72	41.09	43.61
Total Debt / EV	10.08	-1.85	-4.96	57.53	5.26	6.79	7.45	-74.78	-1.49	-0.39	-0.57	-0.8	-0.67	-0.55	-4.46
EV/Sales	0.3	- -	- -	0.04	0.47	0.34	0.29	- -	- -	- -	- -	- -	0.1	- -	- -
EV/EBITDA	8.42	- -	- -	0.41	5.26	3.61	3.28	- -	- -	- -	- -	- -	1.1	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.65	- -	- -	0.09	1.09	0.74	0.56	- -	- -	- -	- -	- -	0.17	- -	- -
EV/Free Cash Flow to Firm	0.63	- -	- -	0.08	1.04	0.69	0.53	- -	- -	- -	- -	- -	0.16	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	43,635	37,605	33,787	40,335	50,111	49,492	45,665	45,367	41,976	-638	20,520	16,976	6,021	1,759	-7,021
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	16,279	20,802	22,384	22,290	23,413	25,501	27,237	27,577	28,593	28,523	30,435	34,250	36,787	39,112	53,434
TTM EBITDA	579	1,862	2,065	2,002	2,100	2,428	2,440	2,396	3,339	3,501	3,481	3,210	3,226	3,237	5,260
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7,455	9,524	9,984	9,304	10,127	11,856	14,182	12,978	16,639	16,699	12,310	13,809	20,575	18,159	27,718
TTM Free Cash Flow to Firm	7,770	10,084	10,802	9,806	10,659	12,635	15,200	13,852	17,526	17,409	13,008	14,743	21,536	19,363	27,718

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	4,876	-26,374	-8,013	827	11,050	8,755	8,010	-783	-37,237	-101,083	-74,741	-59,943	-73,096	-81,254	-11,295
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.76	24.01	17.01	15.05	17.34	16.97
EV/Sales	0.3	- -	- -	0.04	0.47	0.34	0.29	- -	- -	- -	- -	- -	0.1	- -	- -
EV/EBITDA	8.42	- -	- -	0.41	5.26	3.61	3.28	- -	- -	- -	- -	- -	1.1	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	2.68	1.81	1.51	1.81	2.14	1.94	1.68	1.65	1.47	- -	0.67	0.5	0.16	0.04	- -
EV/Sales High	2.68	1.81	1.51	1.81	2.14	1.94	1.68	1.65	1.47	- -	0.67	0.5	0.16	0.04	- -
EV/Sales Low	2.68	1.81	1.51	1.81	2.14	1.94	1.68	1.65	1.47	- -	0.67	0.5	0.16	0.04	- -
EV/EBITDA Average	75.36	20.2	16.36	20.15	23.86	20.38	18.72	18.93	12.57	-0.18	5.89	5.29	1.87	0.54	-1.33
EV/EBITDA High	75.36	20.2	16.36	20.15	23.86	20.38	18.72	18.93	12.57	-0.18	5.89	5.29	1.87	0.54	-1.33
EV/EBITDA Low	75.36	20.2	16.36	20.15	23.86	20.38	18.72	18.93	12.57	-0.18	5.89	5.29	1.87	0.54	-1.33
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	26	26.02	17.4	17.64	18.31	18.09
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.23	26.74	26.02	20.92	20.85	20.3
Enterprise Value Average	43,635	37,605	33,787	40,335	50,111	49,492	45,665	45,367	41,976	-638	20,520	16,976	6,021	1,759	-7,021
Enterprise Value High	43,635	37,605	33,787	40,335	50,111	49,492	45,665	45,367	41,976	-638	20,520	16,976	6,021	1,759	-7,021
Enterprise Value Low	43,635	37,605	33,787	40,335	50,111	49,492	45,665	45,367	41,976	-638	20,520	16,976	6,021	1,759	-7,021

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	460	582	573	553	527	480	486	468	457	459	414	381	380	381	625
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Capital One Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)