Capital One Financial Corporation
S&P 500Last update: May 9, 2026 at 09:32
Dividend Safety Rating
COF's dividend appears safe and well-supported. Strengths include a 6.8% fcf payout ratio & -1.1% net debt / total assets. Areas of concern: 86.2% earnings payout ratio & 3.3% return on equity. The dividend has been growing at a 21.06% 5-year CAGR. As a financial company, some traditional cash flow metrics are less applicable. The score focuses on earnings-based coverage and profitability.
Based on 10 of 10 metrics
Strengths
- FCF Payout Ratio: 6.8%Free cash flow comfortably covers the dividend.
- Net Debt / Total Assets: -1.1%Healthy balance sheet with low net debt.
- Operating Margin: 28.6%Healthy operating margin provides a wide buffer.
Risks
- Return on Equity: 3.3%Return on equity is below industry norms.
- Earnings Payout Ratio: 86.2%High earnings payout ratio leaves little safety margin.
- Profit Margin Stability: VolatileProfit margins have been volatile.
Payout & Coverage
SafeBalance Sheet
Very SafeProfitability
CautionDividend Track Record
Very SafeAbout Capital One Financial Corporation
Capital One Financial Corporation is a diversified financial services holding company headquartered in McLean, Virginia, founded in 1994. The company operates through three primary segments: Credit Card, Consumer Banking, and Commercial Banking. Capital One is a major issuer of credit cards and one of the largest auto finance companies in the United States, offering credit card lending, auto loans, personal loans, and deposit-gathering services. Through its recent acquisition of Discover Financial Services in 2025, the company expanded its financial services portfolio to include additional consumer lending and payment processing capabilities. The company serves individual consumers, small businesses, and commercial clients, providing a comprehensive range of banking and lending products designed to meet diverse financial needs across its core markets.
Dividend Overview
Dividend Yield
1.48%
Annual Dividend
$2.80
Frequency
Quarterly
Payout Ratio
86.15%
FCF Payout Ratio
6.76%
Stock Price
$189.48
52-Week Range
$174.98 – $259.64
Dividend History (2016–2025)
COF annual dividend per share and yield history
Earnings & Profitability
COF earnings per share and net profit margin
Key Dates
Last Ex-Dividend Date
February 19, 2026
Last Payment Date
March 2, 2026
Dividend Growth
3-Year Dividend CAGR
2.70%
5-Year Dividend CAGR
21.06%
10-Year Dividend CAGR
5.65%
3-Year Total Growth
8.33%
5-Year Total Growth
160.00%
10-Year Total Growth
73.33%
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Frequently Asked Questions
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How is COF's Dividend Safety Rating calculated?
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This page is not investment advice. The content is for informational purposes only and should not be construed as a recommendation to buy, sell, or hold any security. Always do your own research and consult a qualified financial advisor before making investment decisions.
Financial data, including dividend history, earnings, balance sheet metrics, and the Dividend Safety Rating, is provided for informational purposes only. Data may be delayed or differ from official filings. Past performance does not guarantee future results. Always verify with official sources before making investment decisions.
Market data provided by Twelve Data.