CO
COF
Sep 30, 2024
Quarter ended Sep 30, 2024 · FY2024 Q3

Capital One Financial Corporation stock research

Capital One Financial (COF) Free Cash Flow — Quarter Ended Sep 30, 2024

Operating cash flow improved versus the prior quarter, lifting free cash flow despite a slight revenue decline. Compared to the same quarter last year, both operating cash flow and free cash flow were lower, while capital expenditure was higher.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Operating cash flow improved versus the prior quarter, lifting free cash flow despite a slight revenue decline. Compared to the same quarter last year, both operating cash flow and free cash flow were lower, while capital expenditure was higher.

  • Revenue was lower than both the prior quarter and the year-ago quarter, but operating cash flow rose sequentially, resulting in a higher free cash flow margin. The margin strengthened compared to the previous quarter but weakened versus the same quarter last year.
  • Compared to the prior quarter, operating cash flow and free cash flow were higher, while capital expenditure also increased. Versus the same quarter one year earlier, operating cash flow and free cash flow were lower, and capital expenditure was higher.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$21.7B

Trailing twelve-month free cash flow.

Quarter free cash flow

$6.1B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$6.5B

Cash generated by operations before capital spending.

CapEx

$312.0M

Capital spending and related asset purchases.

FCF margin

424.7%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2023-12-31$1.5B$7.1B$261.0M$6.8B463.3%
2024-03-31$1.4B$3.0B$247.0M$2.8B198.8%
2024-06-30$1.5B$6.2B$289.0M$6.0B405.6%
2024-09-30$1.4B$6.5B$312.0M$6.1B424.7%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income345.9%Shows whether accounting earnings convert into cash.
CapEx / revenue21.6%Lower capital intensity usually supports FCF margin.
Net cashn/aCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Supportive

Operating Cash Flow Strength

Operating cash flow rose from the prior quarter, providing the primary lift to free cash flow despite a slight dip in revenue. This sequential improvement was the strongest observable driver of the quarter's cash conversion.

The higher operating cash flow more than offset the increase in capital expenditure, leading to improved free cash flow sequentially.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Revenue was lower than both the prior quarter and the year-ago quarter, but operating cash flow rose sequentially, resulting in a higher free cash flow margin. The margin strengthened compared to the previous quarter but weakened versus the same quarter last year.

Compared to the prior quarter, operating cash flow and free cash flow were higher, while capital expenditure also increased. Versus the same quarter one year earlier, operating cash flow and free cash flow were lower, and capital expenditure was higher.

Monitor the trend in capital expenditure, which increased both sequentially and year-over-year.