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Arphra AIPlain-English read on Capital One Financial Corporation’s valuationIncome statement
| In USD | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | 2026E | 2027E | 2028E | 2029E |
|---|---|---|---|---|---|---|---|---|---|
| Revenue & profit | |||||||||
| Revenue | $32.03B | $38.37B | $49.48B | $53.94B | $69.25B | $63.66B | $67.25B | $71.26B | $77.02B |
| Cost of revenue | -$346M | $9.97B | $23.12B | $26.54B | $36.47B | $30.72B | $34.17B | $36.31B | $38.36B |
| Gross profit | $32.38B | $28.4B | $26.36B | $27.4B | $32.78B | $32.4B | $33.49B | $36B | $38.82B |
| Gross margin | +101.08% | +74.02% | +53.27% | +50.79% | +47.33% | +50.90% | +49.80% | +50.52% | +50.40% |
| Operating | |||||||||
| Research & development | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, general & administrative | $10.29B | $12.44B | $13.31B | $13.96B | $18.36B | $16.84B | $17.88B | $18.55B | $20.41B |
| Total operating expenses | $16.57B | $19.16B | $20.32B | $21.49B | $30.5B | $26.28B | $27.33B | $30.56B | $31.46B |
| Operating income | $15.81B | $9.24B | $6.05B | $5.91B | $2.28B | $5.68B | $6B | $6.33B | $6.88B |
| Operating margin | +49.35% | +24.08% | +12.22% | +10.96% | +3.29% | +8.92% | +8.93% | +8.89% | +8.93% |
| EBITDA | $19.29B | $12.45B | $9.27B | $9.15B | $7.54B | $9.79B | $10.53B | $11.08B | $11.64B |
| EBIT | $15.81B | $9.24B | $6.05B | $5.91B | $2.28B | $5.47B | $5.91B | $6.14B | $6.61B |
| Below the line | |||||||||
| Interest expense | $1.6B | $4.12B | $12.7B | $14.83B | $15.82B | $16.25B | $16.93B | $17.8B | $19.43B |
| Interest income | $25.77B | $31.24B | $41.94B | $46.03B | $58.7B | $53.01B | $55.51B | $60.86B | $65.24B |
| Other income / expense | $0 | $0 | $0 | $0 | $0 | — | — | — | — |
| Pre-tax income | $15.81B | $9.24B | $6.05B | $5.91B | $2.28B | $5.59B | $5.89B | $6.2B | $6.84B |
| Income tax expense | $3.42B | $1.88B | $1.16B | $1.16B | $193M | $897.02M | $949.64M | $992.32M | $1.04B |
| Earnings | |||||||||
| Net income | $12.39B | $7.36B | $4.89B | $4.75B | $2.45B | $4.76B | $5.11B | $5.28B | $5.69B |
| Net income · continuing ops | $12.39B | $7.36B | $4.89B | $4.75B | $2.09B | $4.49B | $4.75B | $5.1B | $5.64B |
| Net margin | +38.68% | +19.18% | +9.88% | +8.81% | +3.54% | +7.48% | +7.60% | +7.41% | +7.39% |
| EPS · basic | $27.04 | $17.98 | $11.98 | $11.61 | $4.03 | $19.73 | $24.24 | $28.00 | $39.71 |
| EPS · diluted | $26.94 | $17.91 | $11.95 | $11.59 | $4.03 | $19.53 | $24.24 | $27.93 | $39.17 |
| EPS · low estimate | — | — | — | — | — | $16.42 | $18.01 | $26.47 | $37.79 |
| EPS · high estimate | — | — | — | — | — | $20.35 | $26.30 | $30.54 | $40.25 |
| Shares · basic | 442.5M | 410.94M | 382.4M | 382.7M | 540.7M | 539.19M | 544.64M | 536.1M | 542.36M |
| Shares · diluted | 444.2M | 393.2M | 383.4M | 383.6M | 541.3M | 543.41M | 540.43M | 541.51M | 539.34M |
| Coverage | |||||||||
| Analysts (revenue) | — | — | — | — | — | 14 | 14 | 9 | 4 |
| Analysts (EPS) | — | — | — | — | — | 14 | 14 | 7 | 2 |
Coverage notes. Historical figures come’s as-reported income statements / balance sheets / cash flows in our data warehouse. Forecast columns (italicised, faint accent tint) carry vendor-supplied numbers where available (revenue + EPS consensus) and ratio-derived values for every other line. Margins / ratios are the trailing-3y average from history applied to the forecast revenue; values are clamped to enforce P&L identity (gross ≥ operating, EBITDA ≥ operating, net ≤ operating) and balance-sheet identity (assets = liabilities + equity by construction). Cash-flow FCF reconciles to OCF + CapEx. USD conversion uses the period-end close of the issuer's reported/USD pair from forex_prices_daily; share counts stay unconverted.
Financials
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