Capital One Financial Corporation (COF) - Net Assets
Based on the latest financial reports, Capital One Financial Corporation (COF) has net assets worth $113.62 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($669.01 Billion) and total liabilities ($555.39 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check asset resilience ratio of Capital One Financial Corporation to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $113.62 Billion |
| % of Total Assets | 16.98% |
| Annual Growth Rate | 19.33% |
| 5-Year Change | 86.17% |
| 10-Year Change | 139.12% |
| Growth Volatility | 25.13 |
Capital One Financial Corporation - Net Assets Trend (1994–2025)
This chart illustrates how Capital One Financial Corporation's net assets have evolved over time, based on quarterly financial data. Also explore COF asset base for the complete picture of this company's asset base.
Annual Net Assets for Capital One Financial Corporation (1994–2025)
The table below shows the annual net assets of Capital One Financial Corporation from 1994 to 2025. For live valuation and market cap data, see Capital One Financial Corporation stock valuation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $113.62 Billion | +86.92% |
| 2024-12-31 | $60.78 Billion | +4.64% |
| 2023-12-31 | $58.09 Billion | +10.47% |
| 2022-12-31 | $52.58 Billion | -13.84% |
| 2021-12-31 | $61.03 Billion | +1.37% |
| 2020-12-31 | $60.20 Billion | +3.78% |
| 2019-12-31 | $58.01 Billion | +12.28% |
| 2018-12-31 | $51.67 Billion | +6.03% |
| 2017-12-31 | $48.73 Billion | +2.56% |
| 2016-12-31 | $47.51 Billion | +0.49% |
| 2015-12-31 | $47.28 Billion | +4.95% |
| 2014-12-31 | $45.05 Billion | +7.93% |
| 2013-12-31 | $41.74 Billion | +3.07% |
| 2012-12-31 | $40.50 Billion | +36.52% |
| 2011-12-31 | $29.67 Billion | +11.77% |
| 2010-12-31 | $26.54 Billion | -0.18% |
| 2009-12-31 | $26.59 Billion | -0.09% |
| 2008-12-31 | $26.61 Billion | +9.54% |
| 2007-12-31 | $24.29 Billion | -3.73% |
| 2006-12-31 | $25.24 Billion | +78.61% |
| 2005-12-31 | $14.13 Billion | +68.44% |
| 2004-12-31 | $8.39 Billion | +38.61% |
| 2003-12-31 | $6.05 Billion | +30.90% |
| 2002-12-31 | $4.62 Billion | +39.11% |
| 2001-12-31 | $3.32 Billion | +69.35% |
| 2000-12-31 | $1.96 Billion | +29.49% |
| 1999-12-31 | $1.52 Billion | +19.30% |
| 1998-12-31 | $1.27 Billion | +42.21% |
| 1997-12-31 | $893.30 Million | +20.65% |
| 1996-12-31 | $740.40 Million | +23.56% |
| 1995-12-31 | $599.20 Million | +26.25% |
| 1994-12-31 | $474.60 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Capital One Financial Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 587215.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $65.19 Billion | 57.38% |
| Common Stock | $7.00 Million | 0.01% |
| Other Comprehensive Income | $-5.47 Billion | -4.81% |
| Other Components | $53.88 Billion | 47.43% |
| Total Equity | $113.62 Billion | 100.00% |
Capital One Financial Corporation Competitors by Market Cap
The table below lists competitors of Capital One Financial Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
China Merchants Bank Co Ltd
SHG:600036
|
$115.52 Billion |
|
China Shenhua Energy Co
SHG:601088
|
$115.83 Billion |
|
Banco Bilbao Vizcaya Argentaria SA
MC:BBVA
|
$115.90 Billion |
|
Progressive Corp
NYSE:PGR
|
$116.82 Billion |
|
Altria Group
NYSE:MO
|
$112.89 Billion |
|
UNICREDIT S.P.A. ADR
F:CRIP
|
$112.81 Billion |
|
Stryker Corporation
NYSE:SYK
|
$112.79 Billion |
|
Corning Incorporated
NYSE:GLW
|
$112.74 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Capital One Financial Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 60,784,000,000 to 113,616,000,000, a change of 52,832,000,000 (86.9%).
- Net income of 2,453,000,000 contributed positively to equity growth.
- Dividend payments of 1,768,000,000 reduced retained earnings.
- Share repurchases of 4,099,000,000 reduced equity.
- New share issuances of 400,000,000 increased equity.
- Other comprehensive income increased equity by 3,818,000,000.
- Other factors increased equity by 52,028,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $2.45 Billion | +2.16% |
| Dividends Paid | $1.77 Billion | -1.56% |
| Share Repurchases | $4.10 Billion | -3.61% |
| Share Issuances | $400.00 Million | +0.35% |
| Other Comprehensive Income | $3.82 Billion | +3.36% |
| Other Changes | $52.03 Billion | +45.79% |
| Total Change | $- | 86.92% |
Book Value vs Market Value Analysis
This analysis compares Capital One Financial Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.91x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 80.20x to 0.91x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1994-12-31 | $2.39 | $191.91 | x |
| 1995-12-31 | $3.03 | $191.91 | x |
| 1996-12-31 | $3.67 | $191.91 | x |
| 1997-12-31 | $4.40 | $191.91 | x |
| 1998-12-31 | $6.09 | $191.91 | x |
| 1999-12-31 | $7.18 | $191.91 | x |
| 2000-12-31 | $9.36 | $191.91 | x |
| 2001-12-31 | $15.07 | $191.91 | x |
| 2002-12-31 | $20.20 | $191.91 | x |
| 2003-12-31 | $25.84 | $191.91 | x |
| 2004-12-31 | $33.72 | $191.91 | x |
| 2005-12-31 | $52.54 | $191.91 | x |
| 2006-12-31 | $79.60 | $191.91 | x |
| 2007-12-31 | $61.42 | $191.91 | x |
| 2008-12-31 | $70.40 | $191.91 | x |
| 2009-12-31 | $61.63 | $191.91 | x |
| 2010-12-31 | $58.15 | $191.91 | x |
| 2011-12-31 | $64.62 | $191.91 | x |
| 2012-12-31 | $71.49 | $191.91 | x |
| 2013-12-31 | $71.04 | $191.91 | x |
| 2014-12-31 | $78.78 | $191.91 | x |
| 2015-12-31 | $86.28 | $191.91 | x |
| 2016-12-31 | $93.20 | $191.91 | x |
| 2017-12-31 | $99.73 | $191.91 | x |
| 2018-12-31 | $106.95 | $191.91 | x |
| 2019-12-31 | $123.45 | $191.91 | x |
| 2020-12-31 | $131.19 | $191.91 | x |
| 2021-12-31 | $137.39 | $191.91 | x |
| 2022-12-31 | $133.73 | $191.91 | x |
| 2023-12-31 | $151.51 | $191.91 | x |
| 2024-12-31 | $158.46 | $191.91 | x |
| 2025-12-31 | $209.89 | $191.91 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Capital One Financial Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 2.16%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 3.54%
- • Asset Turnover: 0.10x
- • Equity Multiplier: 5.89x
- Recent ROE (2.16%) is below the historical average (12.82%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1994 | 20.06% | 14.52% | 0.21x | 6.51x | $47.74 Million |
| 1995 | 21.11% | 12.52% | 0.21x | 7.94x | $66.58 Million |
| 1996 | 20.98% | 10.91% | 0.22x | 8.74x | $81.26 Million |
| 1997 | 21.20% | 10.60% | 0.25x | 7.92x | $100.07 Million |
| 1998 | 21.66% | 10.59% | 0.28x | 7.41x | $148.16 Million |
| 1999 | 23.96% | 9.16% | 0.30x | 8.80x | $211.54 Million |
| 2000 | 23.93% | 8.51% | 0.29x | 9.63x | $273.38 Million |
| 2001 | 19.32% | 8.69% | 0.26x | 8.48x | $309.62 Million |
| 2002 | 19.46% | 9.33% | 0.26x | 8.09x | $437.33 Million |
| 2003 | 18.77% | 11.61% | 0.21x | 7.65x | $530.66 Million |
| 2004 | 18.40% | 14.48% | 0.20x | 6.41x | $704.66 Million |
| 2005 | 12.80% | 14.97% | 0.14x | 6.28x | $396.26 Million |
| 2006 | 9.57% | 15.92% | 0.10x | 5.93x | $-109.03 Million |
| 2007 | 6.46% | 8.25% | 0.13x | 6.20x | $-859.08 Million |
| 2008 | -0.17% | -0.26% | 0.11x | 6.23x | $-2.71 Billion |
| 2009 | 3.32% | 5.54% | 0.09x | 6.38x | $-1.78 Billion |
| 2010 | 10.33% | 14.39% | 0.10x | 7.44x | $88.90 Million |
| 2011 | 10.61% | 16.99% | 0.09x | 6.94x | $180.40 Million |
| 2012 | 9.18% | 16.05% | 0.07x | 7.73x | $-330.90 Million |
| 2013 | 10.39% | 17.94% | 0.08x | 7.12x | $162.60 Million |
| 2014 | 9.83% | 18.55% | 0.08x | 6.86x | $-77.30 Million |
| 2015 | 8.57% | 16.18% | 0.07x | 7.06x | $-678.40 Million |
| 2016 | 7.89% | 13.63% | 0.08x | 7.51x | $-1.00 Billion |
| 2017 | 4.07% | 6.61% | 0.08x | 7.50x | $-2.89 Billion |
| 2018 | 11.64% | 18.87% | 0.09x | 7.21x | $848.20 Million |
| 2019 | 9.56% | 16.42% | 0.09x | 6.73x | $-255.10 Million |
| 2020 | 4.51% | 8.58% | 0.08x | 7.00x | $-3.31 Billion |
| 2021 | 20.30% | 38.68% | 0.07x | 7.08x | $6.29 Billion |
| 2022 | 14.00% | 19.18% | 0.08x | 8.66x | $2.10 Billion |
| 2023 | 8.41% | 9.88% | 0.10x | 8.24x | $-921.90 Million |
| 2024 | 7.81% | 8.81% | 0.11x | 8.06x | $-1.33 Billion |
| 2025 | 2.16% | 3.54% | 0.10x | 5.89x | $-8.91 Billion |
Industry Comparison
This section compares Capital One Financial Corporation's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,603,214,276
- Average return on equity (ROE) among peers: 5.89%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Capital One Financial Corporation (COF) | $113.62 Billion | 20.06% | 4.89x | $114.98 Billion |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $16.59 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $1.27 Billion | 14.01% | 20.49x | $1.63 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $992.48 Million | 10.95% | 23.54x | $137.84 Million |
| AIOS Tech Inc. (AIOS) | $211.13 Million | 2.74% | 0.29x | $3.53 Million |
| Ally Financial Inc (ALLY) | $13.90 Billion | 4.80% | 12.80x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $210.67 Million |
| Atlanticus Holdings Corporation (ATLC) | $447.87 Million | 1.31% | 0.16x | $958.76 Million |
| American Express Company (AXP) | $15.32 Billion | 19.49% | 10.42x | $219.50 Billion |
| Bread Financial Holdings, Inc. (BFH) | $362.39 Million | -5.88% | 2.92x | $3.31 Billion |
| Credit Acceptance Corporation (CACC) | $248.99 Million | 0.60% | 3.48x | $5.39 Billion |
About Capital One Financial Corporation
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market … Read more