COFNYSE,NYSE,NYSE,NYSE,NYSE,NYSE SEC EDGAR

CAPITAL ONE FINANCIAL CORP

National Commercial Banks·MCLEAN, VA·FY end 12/31·CIK 927628

CEO Pay Ratio

526:1

Richard D. Fairbank

CEO Total Comp

$65.0M

Richard D. Fairbank

Median Employee

$123,454

Revenue

$53.4B

FY 2025

Net Income

$2.5B

FY 2025

Free Cash Flow

$26.1B

FY 2025

Net Margin

4.6%

Insider Net (180d)

-$10.5M

0 buys / 17 sales

CEO Pay Accountability

CEO comp as % of net income

2.65%

For every $1,000 of profit, $26.49 flows to the CEO.

CEO comp as % of buybacks

1.59%

CEO comp equals 15.9‰ of cash returned to shareholders via buybacks.

5-year history · USD

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	Trend
Revenue	$53.4B	$39.1B	$36.8B	$34.3B	$30.4B
Gross Profit	—	—	—	—	—	—
Operating Income	—	—	—	—	—	—
Net Income	$2.5B	$4.8B	$4.9B	$7.4B	$12.4B
Operating CF	$27.7B	$18.2B	$20.6B	$13.8B	$12.3B
Capex	$1.6B	$1.2B	$961.0M	$934.0M	$698.0M
Free Cash Flow	$26.1B	$17.0B	$19.6B	$12.9B	$11.6B
Buybacks	$4.1B	$734.0M	$718.0M	$4.9B	$7.6B
Dividends	$1.5B	$932.0M	$931.0M	$950.0M	$1.1B

Gross Margin	—	—	—	—	—	—
Operating Margin	—	—	—	—	—	—
Net Margin	4.6%	12.1%	13.3%	21.5%	40.7%
FCF Margin	48.9%	43.3%	53.3%	37.6%	38.2%
R&D / Revenue	—	—	—	—	—	—
Effective Tax	8.5%	19.7%	19.2%	20.3%	21.6%
Debt / Equity	—	—	—	—	—	—
Buybacks / FCF	15.7%	4.3%	3.7%	38.4%	65.5%

FY 2025

Executive	Salary	Stock	Options	Bonus / Inc.	Other	Total
Richard D. FairbankChairman and CEO	—	$58.1M	—	$6.7M	$144.1K	$65.0M
Matthew W. Cooper GeneralCounsel and Corporate Secretary; President, Discover Integration	$1.3M	$9.0M	—	$5.0M	$293.9K	$15.6M
Mark Daniel MouadebPresident, Card	$1.3M	$7.6M	—	$3.0M	$271.0K	$12.1M
Frank G. LaPradeIII Chief Enterprise Services Officer and Chief of Staff to the CEO	$1.4M	$6.3M	—	$2.7M	$261.0K	$10.8M
Andrew M. YoungChief Financial Officer	$1.1M	$5.9M	—	$2.6M	$260.1K	$9.8M