Capital One Financial Corporation COF NYSE

Capital One Financial Corporation (COF) generated $27.72B in operating cash flow for fiscal year 2025. After capital expenditures of $1.58B, free cash flow was $26.14B.

Free cash flow margin was 37.7% of revenue. Cash conversion ratio was 11.3x, indicating earnings are backed by cash.

The company returned $1.77B in dividends and $4.1B in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (33/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (72/100, Pass) — $26.14B (37.7% FCF margin) supports a durable competitive advantage
• INCOME (30/100) — Cash conversion ratio was 11.3x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 60/100 with 4/7 criteria passed.