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Side-by-side financial comparison of Automatic Data Processing (ADP) and Capital One (COF). Click either name above to swap in a different company.
Capital One is the larger business by last-quarter revenue ($11.7B vs $5.9B, roughly 2.0× Automatic Data Processing). Automatic Data Processing runs the higher net margin — 22.9% vs 18.6%, a 4.3% gap on every dollar of revenue. On growth, Capital One posted the faster year-over-year revenue change (52.3% vs 7.0%). Over the past eight quarters, Automatic Data Processing's revenue compounded faster (11.6% CAGR vs 10.9%).
Automatic Data Processing, Inc. (ADP) is an American multinational provider of cloud-based human resources management, payroll processing, and professional employer organization (PEO) services, headquartered in Roseland, New Jersey.
Capital One Financial Corporation is an American bank holding company founded on July 21, 1994, and specializing in credit cards, auto loans, banking, and savings accounts, headquartered in Tysons, Virginia, with operations primarily in the United States. It is the sixth-largest bank in the United States by total assets as of June 30, 2025, the third-largest issuer of Visa and Mastercard credit cards, and one of the largest car finance companies in the United States.
ADP vs COF — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $5.9B | $11.7B |
| Net Profit | $1.4B | $2.2B |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 22.9% | 18.6% |
| Revenue YoY | 7.0% | 52.3% |
| Net Profit YoY | 8.4% | 54.8% |
| EPS (diluted) | $3.38 | $3.34 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $5.9B | $11.7B | ||
| Q4 25 | $5.4B | $15.6B | ||
| Q3 25 | $5.2B | $15.4B | ||
| Q2 25 | $5.1B | $12.5B | ||
| Q1 25 | $5.6B | $10.0B | ||
| Q4 24 | $5.0B | $10.2B | ||
| Q3 24 | $4.8B | $10.0B | ||
| Q2 24 | $4.8B | $9.5B |
| Q1 26 | $1.4B | $2.2B | ||
| Q4 25 | $1.1B | $2.1B | ||
| Q3 25 | $1.0B | $3.2B | ||
| Q2 25 | $910.7M | $-4.3B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $963.2M | $1.1B | ||
| Q3 24 | $956.3M | $1.8B | ||
| Q2 24 | $829.3M | $597.0M |
| Q1 26 | — | — | ||
| Q4 25 | 46.1% | — | ||
| Q3 25 | 45.2% | — | ||
| Q2 25 | 45.1% | — | ||
| Q1 25 | 47.7% | — | ||
| Q4 24 | 45.7% | — | ||
| Q3 24 | 45.5% | — | ||
| Q2 24 | 44.8% | — |
| Q1 26 | — | — | ||
| Q4 25 | 25.8% | 85.8% | ||
| Q3 25 | 25.3% | 28.5% | ||
| Q2 25 | 23.2% | -47.5% | ||
| Q1 25 | 29.2% | 17.3% | ||
| Q4 24 | 25.0% | 14.3% | ||
| Q3 24 | 25.6% | 22.1% | ||
| Q2 24 | 22.8% | 6.8% |
| Q1 26 | 22.9% | 18.6% | ||
| Q4 25 | 19.8% | 87.2% | ||
| Q3 25 | 19.6% | 20.8% | ||
| Q2 25 | 17.8% | -34.2% | ||
| Q1 25 | 22.5% | 14.0% | ||
| Q4 24 | 19.1% | 10.8% | ||
| Q3 24 | 19.8% | 17.7% | ||
| Q2 24 | 17.4% | 6.3% |
| Q1 26 | $3.38 | $3.34 | ||
| Q4 25 | $2.62 | $4.33 | ||
| Q3 25 | $2.49 | $4.83 | ||
| Q2 25 | $2.23 | $-8.58 | ||
| Q1 25 | $3.06 | $3.45 | ||
| Q4 24 | $2.35 | $2.67 | ||
| Q3 24 | $2.34 | $4.41 | ||
| Q2 24 | $2.01 | $1.38 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $3.2B | — |
| Total DebtLower is stronger | $4.0B | — |
| Stockholders' EquityBook value | $6.4B | $112.3B |
| Total Assets | $64.5B | $682.9B |
| Debt / EquityLower = less leverage | 0.63× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $3.2B | — | ||
| Q4 25 | $2.5B | — | ||
| Q3 25 | $7.9B | — | ||
| Q2 25 | $7.8B | — | ||
| Q1 25 | $2.7B | — | ||
| Q4 24 | $2.2B | — | ||
| Q3 24 | $7.3B | — | ||
| Q2 24 | $3.3B | — |
| Q1 26 | $4.0B | — | ||
| Q4 25 | — | $49.9B | ||
| Q3 25 | — | $50.9B | ||
| Q2 25 | — | $51.9B | ||
| Q1 25 | — | $41.2B | ||
| Q4 24 | — | $45.0B | ||
| Q3 24 | — | $48.8B | ||
| Q2 24 | — | $47.2B |
| Q1 26 | $6.4B | $112.3B | ||
| Q4 25 | $6.4B | $113.6B | ||
| Q3 25 | $6.4B | $113.8B | ||
| Q2 25 | $6.2B | $111.0B | ||
| Q1 25 | $5.9B | $63.5B | ||
| Q4 24 | $5.1B | $60.8B | ||
| Q3 24 | $5.3B | $62.9B | ||
| Q2 24 | $4.5B | $58.0B |
| Q1 26 | $64.5B | $682.9B | ||
| Q4 25 | $84.6B | $669.0B | ||
| Q3 25 | $54.3B | $661.9B | ||
| Q2 25 | $53.4B | $659.0B | ||
| Q1 25 | $56.4B | $493.6B | ||
| Q4 24 | $64.1B | $490.1B | ||
| Q3 24 | $49.5B | $486.4B | ||
| Q2 24 | $54.4B | $480.0B |
| Q1 26 | 0.63× | — | ||
| Q4 25 | — | 0.44× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.47× | ||
| Q1 25 | — | 0.65× | ||
| Q4 24 | — | 0.74× | ||
| Q3 24 | — | 0.78× | ||
| Q2 24 | — | 0.81× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ADP
| Revenues, other than interest on funds held for clients and PEO revenues | $3.6B | 61% |
| PEO revenues (A) (B) (C) | $1.9B | 32% |
| Other | $403.9M | 7% |
COF
Segment breakdown not available.
