
Capital One Financial
-1.15 %
48.1 %
Yet to be announced
Company Overview
Capital One Financial Corporation operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels.
Revenue Sources
PassAnalysis of Capital One's revenue streams shows that the company's primary business model is centered around traditional banking activities, credit card services, and consumer lending. The company does not derive significant revenue from explicitly haram products or services like alcohol, gambling, or pork. However, their core business model is fundamentally based on interest-based lending.
Reliance on Interest
Reporting Date | Total Revenue | Total Expense | Interest Income | Interest Expense | Interest Income Ratio | Interest Expense Ratio |
---|---|---|---|---|---|---|
Sept. 30, 2024 | $10.01b | $3.78b | $8.08b | $3.78b | 80.65% | 100.00% |
June 30, 2024 | $9.51b | $3.73b | $7.55b | $3.73b | 79.38% | 100.00% |
March 31, 2024 | $9.4b | $3.69b | $7.49b | $3.69b | 79.64% | 100.00% |
Dec. 31, 2023 | $9.51b | $3.63b | $7.52b | $3.63b | 79.10% | 100.00% |
Based on the financial data provided, interest income and interest expense are fundamental to Capital One's business model. Interest income represents approximately 80% of total revenue across all four quarters analyzed. Interest expense similarly makes up a significant portion of total expenses. These ratios clearly indicate that interest-based activities are core to the company's operations and not incidental.
Operational Ethics
PassBased on available information from SEC filings and company reports, there is no evidence of significant ongoing associations with entities involved in human rights violations. The company primarily operates in North America and does not maintain material operations or relationships with entities of concern.
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