COFCAPITAL ONE FINANCIAL CORP
National Commercial Banks
- Revenue
- $8.1B
- 36% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $125.7B
- Employees
- 76,300
- $106K revenue each
- Net debt / EBITDA
- —
- −$10.1B net debt
- AI in 10-K
- 3.9
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo11× net incomeCash flow under 80% of net income
- Dilutive SBCNo10% of revenueOver 10% of revenue
- Payouts exceed cash flowNo20% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo5% of assetsOver 40% of assets
- Shareholder dissentNo83% lowest supportAny vote under 80% support
Buyer economics 0 of 4
- Low revenue per employeeNo$106K · 62nd pctBottom quartile of its SIC industry
- Quiet on AINo3.9 per 10K words · 77th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$125.7B market capMarket cap $500M–$5B
Catalysts 1 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingYes−$85M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $4.8B | $5.4B | $5.6B | $5.9B | $8.1B | 36% |
| Net income | $12.4B | $7.4B | $4.9B | $4.8B | $2.5B | 48% |
| Operating cash flow | $12.3B | $13.8B | $20.6B | $18.2B | $27.7B | 53% |
| Capex | $698M | $934M | $961M | $1.2B | $1.6B | 31% |
| Stock-based comp | $331M | $314M | $513M | $569M | $776M | 36% |
| Buybacks | $7.6B | $4.9B | $718M | $734M | $4.1B | 458% |
| Dividends | $1.1B | $950M | $931M | $932M | $1.5B | 63% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $85M · 67
- Net
- −$85M
Pay vs performance
No pay-versus-performance disclosure yet.