Capital One Financial Corporation (COF) — Cash Flow Quality Index
Capital One Financial Corporation (COF) has a Cash Flow Quality Index of 2.79x as of June 2026. Operating cash flow of $8.44 Billion exceeds net income of $3.03 Billion, indicating high earnings quality where cash backs reported profits. Explore Capital One Financial Corporation cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Capital One Financial Corporation Cash Flow Quality Index (1994–2025)
Historical Cash Flow Quality Index for Capital One Financial Corporation across 31 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash efficiency ratio of Capital One Financial Corporation.
Annual Cash Flow Quality Index for Capital One Financial Corporation (1994–2025)
Year-by-year earnings quality comparison for Capital One Financial Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 11.30x | $27.72 Billion | $2.45 Billion | ▲ +195.6% |
| 2024 | 3.82x | $18.16 Billion | $4.75 Billion | ▼ -9.2% |
| 2023 | 4.21x | $20.57 Billion | $4.89 Billion | ▲ +124.4% |
| 2022 | 1.88x | $13.81 Billion | $7.36 Billion | ▲ +88.8% |
| 2021 | 0.99x | $12.31 Billion | $12.39 Billion | ▼ -83.9% |
| 2020 | 6.15x | $16.70 Billion | $2.71 Billion | ▲ +105.1% |
| 2019 | 3.00x | $16.64 Billion | $5.55 Billion | ▲ +39.1% |
| 2018 | 2.16x | $12.98 Billion | $6.01 Billion | ▼ -69.8% |
| 2017 | 7.16x | $14.18 Billion | $1.98 Billion | ▲ +126.4% |
| 2016 | 3.16x | $11.86 Billion | $3.75 Billion | ▲ +26.4% |
| 2015 | 2.50x | $10.13 Billion | $4.05 Billion | ▲ +19.0% |
| 2014 | 2.10x | $9.30 Billion | $4.43 Billion | ▼ -12.5% |
| 2013 | 2.40x | $9.98 Billion | $4.16 Billion | ▼ -6.8% |
| 2012 | 2.58x | $9.06 Billion | $3.52 Billion | ▲ +8.7% |
| 2011 | 2.37x | $7.46 Billion | $3.15 Billion | ▼ -20.2% |
| 2010 | 2.97x | $8.14 Billion | $2.74 Billion | ▼ -6.2% |
| 2009 | 3.16x | $2.80 Billion | $883.78 Million | ▼ -61.8% |
| 2007 | 8.29x | $13.01 Billion | $1.57 Billion | ▲ +492.4% |
| 2006 | 1.40x | $3.38 Billion | $2.41 Billion | ▼ -30.3% |
| 2005 | 2.01x | $3.63 Billion | $1.81 Billion | ▼ -31.6% |
| 2004 | 2.93x | $4.53 Billion | $1.54 Billion | ▲ +64.3% |
| 2003 | 1.79x | $2.03 Billion | $1.14 Billion | ▼ -29.4% |
| 2002 | 2.53x | $2.28 Billion | $899.64 Million | ▲ +28.1% |
| 2001 | 1.97x | $1.27 Billion | $641.97 Million | ▼ -33.6% |
| 2000 | 2.97x | $1.40 Billion | $469.63 Million | ▼ -15.2% |
| 1999 | 3.50x | $1.27 Billion | $363.10 Million | ▲ +23.5% |
| 1998 | 2.84x | $780.60 Million | $275.20 Million | ▲ +5.6% |
| 1997 | 2.69x | $508.60 Million | $189.40 Million | ▲ +51.5% |
| 1996 | 1.77x | $275.30 Million | $155.30 Million | ▲ +90.5% |
| 1995 | 0.93x | $117.70 Million | $126.50 Million | ▲ +49.9% |
| 1994 | 0.62x | $59.10 Million | $95.20 Million | — |