Capital One Financial Corp (COF) operating KPIs

COFNYSENational Commercial BanksFiscal year ends December 31Also trades as COF.PI, COF.PJ, COF.PK, COF.PL, COF.PN

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 28, 2026Score 12/30

$204.85−3.89 (-1.86%)

Close on Oct 30, 2026Market cap $125.67BP/E –Yield –

KPIs

Operating metrics that drive Capital One Financial's business · fiscal year ends December 31

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Metric	Q3 2026 2026-09-30	Q2 2026 2026-06-30	Q1 2026 2026-03-31	Q4 2025 2025-12-31	Q3 2025 2025-09-30	Q2 2025 2025-06-30	Q1 2025 2025-03-31	Q4 2024 2024-12-31	Q3 2024 2024-09-30	Q2 2024 2024-06-30	Q1 2024 2024-03-31	Q4 2023 2023-12-31

Total Credit Card purchase volume($M)1	254,679	253,750	220,540	238,687	230,379	201,453	157,948	172,919	166,203	165,143	150,171	162,055
Domestic Credit Card purchase volume($M)	250,024	249,195	216,513	234,375	226,147	197,308	154,391	168,994	162,281	161,370	146,696	158,290
Global Payment Network transaction volume (Discover Network, PULSE & Diners Club)($M)	190,934	189,612	174,332	174,644	153,117	74,014
Consumer Banking — Auto loan originations($M)	13,103	12,916	11,130	10,194	10,731	10,861	9,210	9,399	9,158	8,463	7,522	6,157
Total unfunded lending commitments (off-balance-sheet credit lines)($M)3		762,491	746,940		723,800	716,411	471,709		458,869	459,213	452,558
Unfunded credit card lines (domestic & international)($M)		706,966	695,043		675,646	668,477	424,727		412,905	412,030	404,968
Other unfunded loan commitments (commercial & retail lines)($M)		53,658	50,307		46,774	46,590	45,652		44,698	45,823	46,169
Standby and commercial letters of credit($M)		1,867	1,590		1,380	1,344	1,330		1,266	1,360	1,421
Non-interest income disaggregation by revenue type & segment (ASC 606 — 10-Q / 10-K Note 15)4
Interchange fees, net (consolidated)($M)2		2,256	1,964	1,930	1,812	1,478	1,223	1,260	1,228	1,249	1,145	1,207
Credit Card — Interchange fees, net($M)		1,718	1,469		1,521	1,207	1,085		1,086	1,116	1,020
Consumer Banking — Interchange & network fees, net($M)		538	475		268	248	115		113	107	98
Service charges and other customer-related fees (consolidated)($M)3		251	249	279	292	181	105	155	115	96	78	70
Credit Card — Service charges and customer fees($M)		32	22		37	20	0		0	0	0
Consumer Banking — Service charges and customer fees($M)		152	149		144	78	20		23	22	4
Commercial Banking — Service charges and customer fees($M)		67	76		111	82	85		92	74	74
Total revenue from contracts with customers (ASC 606)($M)5		2,762	2,410		2,283	1,844	1,489		1,447	1,468	1,390
Credit Card — Total ASC 606 contract revenue($M)		1,938	1,627		1,684	1,352	1,196		1,153	1,199	1,141
Consumer Banking — Total ASC 606 contract revenue($M)		755	682		464	379	184		172	167	146
Commercial Banking — Total ASC 606 contract revenue($M)		68	98		135	112	109		121	102	103
Other category — Total ASC 606 contract revenue($M)		1	3		0	1	0		1	0	0
Other contract revenue (consolidated)($M)		255	197	237	179	185	161	195	104	123	167	199
Other non-interest income outside ASC 606 scope (consolidated)($M)4		714	676		672	653	498		491		524
Credit Card — Non-contract non-interest income($M)		575	526		527	450	315		356		335
Consumer Banking — Non-contract non-interest income($M)		23	1		11	15	-1		10		13
Commercial Banking — Non-contract non-interest income($M)		197	230		183	223	203		171		178
Other category — Non-contract non-interest income($M)		-81	-81		-49	-35	-19		-46		-2

Total loans held for investment (period-end)($M)6	462,530	457,168	447,754	453,622	443,159	439,297	323,598	327,775	320,243	318,186	315,154	320,472
Credit Card segment — Period-end loans held for investment($M)3	276,360	275,408	270,558	279,570	271,037	269,709	157,189	162,508	156,651	153,895	150,594	154,547
Domestic Credit Card — Period-end loans($M)	260,252	259,005	254,028	262,403	253,951	252,481	150,309	155,618	149,400	147,065	143,861	147,666
Personal Loans (Discover portfolio) — Period-end loans($M)	7,984	8,619	9,070	9,499	9,646	9,788
International Card Businesses (UK & Canada) — Period-end loans($M)	8,124	7,784	7,460	7,668	7,440	7,440	6,880	6,890	7,251	6,830	6,733	6,881
Consumer Banking segment — Period-end loans held for investment($M)2	94,043	90,467	86,873	84,790	83,230	81,233	78,896	78,092	76,758	75,663	75,099	75,437
Auto — Period-end loans($M)	92,901	89,311	85,700	83,600	82,035	80,017	77,656	76,829	75,505	74,385	73,801	74,075
Retail Banking — Period-end loans($M)	1,142	1,156	1,173	1,190	1,195	1,216	1,240	1,263	1,253	1,278	1,298	1,362
Commercial Banking segment — Period-end loans held for investment($M)2	92,127	91,293	90,323	89,262	88,892	88,355	87,513	87,175	86,834	88,628	89,461	90,488
Commercial and multifamily real estate — Period-end loans($M)	35,636	34,290	33,809	33,618	33,461	32,967	31,971	31,903	32,199	32,832	34,272	34,446
Commercial and industrial (C&I) — Period-end loans($M)	56,491	57,003	56,514	55,644	55,431	55,388	55,542	55,272	54,635	55,796	55,189	56,042
Unsecuritized loans held for investment (Table 4)($M)	435,477	431,440	421,360	425,665	389,808	384,413	295,939	298,241	292,061	289,124	285,577	289,229
Restricted loans for securitization investors (Table 4)($M)	27,053	25,728	26,394	27,957	53,351	54,884	27,659	29,534	28,182	29,062	29,577	31,243
Loans held for sale (at lower of cost or fair value)($M)	636	264	186	760	670	198	686	202	96	808	1,631	854
Total loans held for investment (average balances)($M)3	457,380	450,679	446,235	444,680	439,859	378,157	322,385	321,871	318,255	314,888	314,614	315,890
Credit Card segment — Average loans($M)3	273,670	271,197	270,974	272,228	269,175	209,693	156,407	157,326	153,972	150,467	149,645	148,627
Domestic Credit Card — Average loans($M)	257,311	254,625	254,036	255,221	252,090	197,808	149,639	150,290	147,021	143,744	142,887	142,112
Personal Loans — Average loans($M)	8,314	8,866	9,310	9,618	9,703	4,778
International Card Businesses — Average loans($M)	8,045	7,706	7,628	7,389	7,382	7,107	6,768	7,036	6,951	6,723	6,758	6,515
Consumer Banking segment — Average loans($M)2	92,330	88,583	85,701	83,957	82,295	80,095	78,480	77,221	76,182	75,386	75,092	76,238
Auto — Average loans($M)	91,178	87,419	84,522	82,767	81,094	78,875	77,228	75,968	74,920	74,098	73,768	74,861
Retail Banking — Average loans($M)	1,152	1,164	1,179	1,190	1,201	1,220	1,252	1,253	1,262	1,288	1,324	1,377
Commercial Banking segment — Average loans($M)2	91,380	90,899	89,560	88,495	88,389	88,369	87,498	87,324	88,101	89,035	89,877	91,025
Commercial and multifamily real estate — Average loans($M)	34,354	33,978	33,539	33,155	33,104	32,522	31,733	32,058	32,416	33,801	34,310	35,414
Commercial and industrial (C&I) — Average loans($M)	57,026	56,921	56,021	55,340	55,285	55,847	55,765	55,266	55,685	55,234	55,567	55,611
Average loan yields and net revenue margins by segment2
Total loans held for investment — Average yield(%)4	13.6%	13.2%	13.2%	13.6%	13.8%	13.2%	12.6%	13.0%	13.2%	12.7%	12.6%	12.6%
Total Credit Card — Average loan yield(%)	17.7%	17.2%	17.2%	17.7%	18.0%	17.9%	18.5%	19.1%	19.7%	18.8%	18.8%	19.0%
Domestic Credit Card — Average loan yield(%)	17.7%	17.2%	17.1%	17.7%	18.0%	17.9%	18.4%	19.0%	19.6%	18.7%	18.8%	18.9%
Consumer Banking — Average loan yield(%)	9.7%	9.6%	9.4%	9.6%	9.5%	9.3%	9.0%	9.0%	8.9%	8.5%	8.3%	8.2%
Commercial Banking — Average loan yield(%)	5.9%	5.8%	5.7%	6.1%	6.4%	6.4%	6.3%	6.7%	7.3%	7.2%	7.1%	7.2%
Total net revenue margin (annualized net revenue / average interest-earning assets)(%)2	10.7%	10.3%	9.9%	10.3%	10.4%	9.5%	8.6%	8.9%	8.8%	8.4%	8.4%	8.5%
Total Credit Card — Net revenue margin(%)	17.8%	17.4%	16.8%	17.2%	17.3%	17.4%	18.3%	18.7%	18.8%	18.0%	18.0%	18.2%
Domestic Credit Card — Net revenue margin(%)	17.9%	17.4%	16.9%	17.3%	17.3%	17.3%	18.2%	18.6%	18.7%	17.9%	17.8%	18.1%
Credit score distribution (FICO) and commercial criticized loan risk categories3
Domestic Credit Card — Refreshed FICO score > 660 (% of period-end loans)(%)1	73.0%	74.0%	73.0%	73.0%	73.0%	73.0%	69.0%	69.0%	69.0%	69.0%	68.0%	68.0%
Domestic Credit Card — Refreshed FICO score ≤ 660 (% of period-end loans)(%)	27.0%	26.0%	27.0%	27.0%	27.0%	27.0%	31.0%	31.0%	31.0%	31.0%	32.0%	32.0%
Consumer Banking Auto — At-origination FICO score > 660 (% of period-end loans)(%)2	49.0%	49.0%	50.0%	51.0%	51.0%	52.0%	53.0%	54.0%	53.0%	53.0%	53.0%	53.0%
Consumer Banking Auto — At-origination FICO score 621–660 (%)(%)	19.0%	19.0%	19.0%	19.0%	19.0%	19.0%	19.0%	19.0%	20.0%	20.0%	20.0%	20.0%
Consumer Banking Auto — At-origination FICO score ≤ 620 (%)(%)	32.0%	32.0%	31.0%	30.0%	30.0%	29.0%	28.0%	27.0%	27.0%	27.0%	27.0%	27.0%
Commercial Banking — Noncriticized loans (period-end)($M)5	86,948	86,034	84,545	83,873	83,098	82,000	80,677	80,431	78,835	79,695	80,804	81,758
Commercial Banking — Noncriticized loans (% of commercial loans)(%)	94.4%	94.2%	93.6%	94.0%	93.5%	92.8%	92.2%	92.3%	90.8%	89.9%	90.3%	90.4%
Commercial Banking — Criticized performing loans($M)	4,051	4,058	4,510	4,177	4,558	5,204	5,612	5,534	6,651	7,639	7,509	7,969
Commercial Banking — Criticized performing loans (%)(%)	4.4%	4.4%	5.0%	4.7%	5.1%	5.9%	6.4%	6.4%	7.7%	8.6%	8.4%	8.8%
Commercial Banking — Criticized nonperforming loans($M)	1,128	1,201	1,268	1,212	1,236	1,151	1,224	1,210	1,348	1,294	1,148	761
Commercial Banking — Criticized nonperforming loans (%)(%)	1.2%	1.3%	1.4%	1.4%	1.4%	1.3%	1.4%	1.4%	1.6%	1.5%	1.3%	0.8%
Geographic & industry loan concentration (10-Q / 10-K MD&A & Note 4)4
Domestic Credit Card loans by top U.S. states ($M & % of Domestic Card)11
California — Domestic Credit Card loans($M)1		25,341	24,726		24,534	24,436
California (% of Domestic Card loans)(%)		9.8%	9.7%		9.7%	9.7%
Texas — Domestic Credit Card loans($M)1		22,958	22,596		22,424	22,218
Texas (% of Domestic Card loans)(%)		8.9%	8.9%		8.8%	8.8%
New York — Domestic Credit Card loans($M)1		16,531	16,131		16,247	16,094
New York (% of Domestic Card loans)(%)		6.4%	6.3%		6.4%	6.4%
Florida — Domestic Credit Card loans($M)1		19,732	19,470		19,344	19,179
Florida (% of Domestic Card loans)(%)		7.6%	7.7%		7.6%	7.6%
Illinois — Domestic Credit Card loans($M)1		10,787	10,567		10,680	10,642
Illinois (% of Domestic Card loans)(%)		4.2%	4.2%		4.2%	4.2%
Pennsylvania — Domestic Credit Card loans($M)1		11,117	10,926		10,965	10,934
Pennsylvania (% of Domestic Card loans)(%)		4.3%	4.3%		4.3%	4.3%
Ohio — Domestic Credit Card loans($M)1		9,306	9,128		9,200	9,191
Ohio (% of Domestic Card loans)(%)		3.6%	3.6%		3.6%	3.6%
New Jersey — Domestic Credit Card loans($M)1		8,598	8,451		8,493	8,423
New Jersey (% of Domestic Card loans)(%)		3.3%	3.3%		3.4%	3.3%
North Carolina — Domestic Credit Card loans($M)1		7,367	7,244		7,159	7,090
North Carolina (% of Domestic Card loans)(%)		2.8%	2.9%		2.8%	2.8%
Georgia — Domestic Credit Card loans($M)1		8,274	8,189		8,183	8,118
Georgia (% of Domestic Card loans)(%)		3.2%	3.2%		3.2%	3.2%
Other states — Domestic Credit Card loans($M)1		118,994	116,600		116,722	116,156
Other states (% of Domestic Card loans)(%)		45.9%	45.9%		46.0%	46.1%
Consumer Banking Auto loans by top U.S. states ($M & % of Auto)9
Texas — Auto loans($M)1		11,889	11,236		10,461	10,100
Texas (% of Auto loans)(%)		13.3%	13.1%		12.8%	12.6%
California — Auto loans($M)1		8,737	8,594		8,612	8,657
California (% of Auto loans)(%)		9.8%	10.0%		10.5%	10.8%
Florida — Auto loans($M)1		7,898	7,570		7,270	7,130
Florida (% of Auto loans)(%)		8.8%	8.8%		8.9%	8.9%
Georgia — Auto loans($M)1		3,601	3,433		3,235	3,122
Georgia (% of Auto loans)(%)		4.0%	4.0%		3.9%	3.9%
Ohio — Auto loans($M)1		4,383	4,160		3,891	3,719
Ohio (% of Auto loans)(%)		4.9%	4.9%		4.7%	4.7%
North Carolina — Auto loans($M)1		2,963	2,821		2,686
North Carolina (% of Auto loans)(%)		3.3%	3.3%		3.3%
Pennsylvania — Auto loans($M)1		3,993	3,881		3,729	3,598
Pennsylvania (% of Auto loans)(%)		4.5%	4.5%		4.5%	4.5%
Illinois — Auto loans($M)1		3,640	3,487		3,355	3,272
Illinois (% of Auto loans)(%)		4.1%	4.1%		4.1%	4.1%
Other states — Auto loans($M)1		37,052	35,433		38,796	37,775
Other states (% of Auto loans)(%)		41.5%	41.4%		47.3%	47.2%
Commercial Real Estate loans by U.S. region ($M & % of CRE)6
Northeast — Commercial Real Estate loans($M)1		12,363	12,575		11,803	11,946	11,616		12,597	12,195	13,183
Northeast (% of CRE loans)(%)		36.0%	37.2%		35.3%	36.3%	36.3%		39.1%	37.2%	38.5%
Mid-Atlantic — Commercial Real Estate loans($M)1		3,328	3,179		3,216	3,656	3,002		2,811	2,411	4,101
Mid-Atlantic (% of CRE loans)(%)		9.7%	9.4%		9.6%	11.1%	9.4%		8.7%	7.3%	12.0%
South — Commercial Real Estate loans($M)1		9,185	7,921		8,505	7,649	8,118		7,732	8,076	6,311
South (% of CRE loans)(%)		26.8%	23.4%		25.4%	23.2%	25.4%		24.0%	24.6%	18.4%
Midwest — Commercial Real Estate loans($M)1		2,011	2,049		2,315	2,255	2,075		2,153	2,067	2,415
Midwest (% of CRE loans)(%)		5.9%	6.1%		6.9%	6.8%	6.5%		6.7%	6.3%	7.0%
Mountain — Commercial Real Estate loans($M)1		2,397	2,483		2,490	2,807	2,184		2,248	2,333	2,446
Mountain (% of CRE loans)(%)		7.0%	7.3%		7.5%	8.5%	6.8%		7.0%	7.1%	7.1%
Pacific West — Commercial Real Estate loans($M)1		5,006	5,602		5,132	4,654	4,976		4,658	5,750	5,816
Pacific West (% of CRE loans)(%)		14.6%	16.6%		15.3%	14.1%	15.6%		14.5%	17.5%	17.0%
Commercial Banking loans by industry classification (% of Commercial portfolio)8
Real estate and construction (% of Commercial loans)(%)		25.0%	25.0%		25.0%	26.0%
Finance and insurance (% of Commercial loans)(%)		43.0%	42.0%		41.0%	40.0%
Healthcare and social assistance (% of Commercial loans)(%)		3.0%	3.0%		3.0%	3.0%
Commercial services and supplies (% of Commercial loans)(%)		4.0%	4.0%		3.0%	4.0%
Oil, gas and energy (% of Commercial loans)(%)		2.0%	2.0%		3.0%	3.0%
Technology, media and telecommunications (% of Commercial loans)(%)		2.0%	2.0%		2.0%	2.0%
Government and education (% of Commercial loans)(%)		8.0%	8.0%		8.0%	8.0%
Other industries (% of Commercial loans)(%)		8.0%	9.0%		15.0%	14.0%

Total net charge-offs (consolidated)($M)4	3,121	3,642	3,847	3,833	3,473	3,060	2,736	2,884	2,604	2,644	2,616	2,533
Total net charge-off rate (annualized % of average loans)(%)	2.7%	3.2%	3.5%	3.5%	3.2%	3.2%	3.4%	3.6%	3.3%	3.4%	3.3%	3.2%
Credit Card segment — Net charge-offs($M)7	2,745	3,192	3,419	3,343	3,101	2,728	2,399	2,368	2,154	2,258	2,207	1,983
Credit Card segment — Net charge-off rate (%)(%)	4.0%	4.7%	5.1%	4.9%	4.6%	5.2%	6.1%	6.0%	5.6%	6.0%	5.9%	5.3%
Domestic Credit Card — Net charge-offs (quarterly & monthly Form 8-K)($M)	2,560	2,997	3,241	3,147	2,916	2,594	2,314	2,278	2,063	2,173	2,120	1,902
Domestic Credit Card — Net charge-off rate (quarterly & monthly Form 8-K)(%)	4.0%	4.7%	5.1%	4.9%	4.6%	5.3%	6.2%	6.1%	5.6%	6.1%	5.9%	5.4%
Personal Loans — Net charge-offs($M)	71	83	89	98	92	42
Personal Loans — Net charge-off rate (%)(%)	3.4%	3.8%	3.8%	4.1%	3.8%	3.5%
International Card Businesses — Net charge-offs($M)	114	112	89	98	93	92	85	90	91	85	87	81
International Card Businesses — Net charge-off rate (%)(%)	5.7%	5.8%	4.7%	5.3%	5.1%	5.2%	5.0%	5.2%	5.2%	5.0%	5.2%	4.9%
Consumer Banking segment — Net charge-offs($M)5	376	329	364	395	326	260	313	459	401	353	380	429
Consumer Banking segment — Net charge-off rate (%)(%)	1.6%	1.5%	1.7%	1.9%	1.6%	1.3%	1.6%	2.4%	2.1%	1.9%	2.0%	2.3%
Auto — Net charge-offs (quarterly & monthly Form 8-K)($M)	362	313	346	377	313	245	299	442	384	335	367	410
Auto — Net charge-off rate (quarterly & monthly Form 8-K)(%)	1.6%	1.4%	1.6%	1.8%	1.5%	1.3%	1.6%	2.3%	2.1%	1.8%	2.0%	2.2%
Retail Banking — Net charge-offs($M)	14	16	18	18	13	15	14	17	17	18	13	19
Retail Banking — Net charge-off rate (%)(%)	5.1%	5.4%	6.0%	6.0%	4.4%	4.5%	4.8%	5.6%	5.4%	5.4%	4.0%	5.7%
Commercial Banking segment — Net charge-offs($M)3		121	64	95	46	72	24	57	49	33	29	121
Commercial Banking segment — Net charge-off rate (%)(%)		0.5%	0.3%	0.4%	0.2%	0.3%	0.1%	0.3%	0.2%	0.2%	0.1%	0.5%
Commercial and multifamily real estate — Net charge-off rate (%)(%)	0.0%	0.1%	0.0%	0.0%	-0.1%	-0.1%	0.1%	0.5%	0.3%	0.1%	0.2%	1.0%
Commercial and industrial (C&I) — Net charge-off rate (%)(%)	-0.0%	0.8%	0.4%	0.7%	0.4%	0.6%	0.1%	0.1%	0.2%	0.2%	0.1%	0.3%
Total 30+ day performing delinquency rate (% of period-end loans)(%)3	3.2%	2.9%	3.0%	3.4%	3.3%	3.1%	3.3%	3.7%	3.6%	3.4%	3.4%	3.7%
Total 30+ day delinquency rate (performing & nonperforming, %)(%)	3.4%	3.1%	3.2%	3.6%	3.5%	3.3%	3.5%	4.0%	3.9%	3.6%	3.7%	4.0%
Credit Card segment — 30+ day performing delinquency rate (%)(%)4	3.7%	3.4%	3.7%	3.9%	3.8%	3.6%	4.3%	4.5%	4.5%	4.2%	4.5%	4.6%
Credit Card segment — Total 30+ day delinquency rate (%)(%)	3.7%	3.4%	3.7%	3.9%	3.8%	3.6%	4.3%	4.5%	4.5%	4.2%	4.5%	4.6%
Domestic Credit Card — 30+ day performing delinquency rate (quarterly & monthly Form 8-K)(%)	3.7%	3.4%	3.7%	4.0%	3.9%	3.6%	4.3%	4.5%	4.5%	4.1%	4.5%	4.6%
Personal Loans — 30+ day performing delinquency rate (%)(%)	1.8%	1.7%	1.7%	1.7%	1.7%	1.6%
International Card Businesses — 30+ day performing delinquency rate (%)(%)	4.7%	4.6%	4.8%	4.6%	4.6%	4.5%	4.6%	4.5%	4.5%	4.6%	4.8%	4.7%
Consumer Banking segment — 30+ day performing delinquency rate (%)(%)3	4.6%	4.3%	4.2%	5.2%	4.9%	4.8%	4.9%	5.9%	5.5%	5.6%	5.2%	6.3%
Consumer Banking segment — Total 30+ day delinquency rate (%)(%)	5.1%	4.8%	4.6%	5.7%	5.5%	5.4%	5.5%	6.7%	6.3%	6.4%	5.9%	7.1%
Auto — 30+ day performing delinquency rate (quarterly & monthly Form 8-K)(%)	4.6%	4.3%	4.2%	5.2%	5.0%	4.8%	4.9%	6.0%	5.6%	5.7%	5.3%	6.3%
Retail Banking — 30+ day performing delinquency rate (%)(%)	1.1%	1.2%	0.9%	1.1%	0.9%	0.9%	1.1%	1.1%	1.0%	1.6%	1.0%	1.2%
Nonperforming loans (NPL) and nonperforming assets (NPA) across segments11
Auto — Nonperforming loans rate (quarterly & monthly Form 8-K)(%)	0.7%	0.6%	0.6%	0.7%	0.7%	0.7%	0.7%	1.0%	0.9%	0.9%	0.8%	1.0%
Consumer Banking — Nonperforming loans rate (%)(%)	0.7%	0.6%	0.6%	0.7%	0.7%	0.7%	0.7%	1.0%	0.9%	0.9%	0.8%	1.0%
Consumer Banking — Nonperforming assets rate (%)(%)	0.8%	0.7%	0.7%	0.8%	0.8%	0.8%	0.8%	1.1%	1.0%	1.0%	0.9%	1.1%
Retail Banking — Nonperforming loans rate (%)(%)	1.5%	1.6%	1.7%	1.5%	1.7%	1.5%	1.9%	1.9%	2.2%	2.8%	3.2%	3.4%
Credit Card segment — Nonperforming loans rate (%)(%)	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Personal Loans — Nonperforming loans rate (%)(%)	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
International Card Businesses — Nonperforming loans rate (%)(%)	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	0.2%	0.2%	0.2%	0.1%	0.1%
Commercial Banking — Nonperforming loans rate (%)(%)	1.2%	1.3%	1.4%	1.4%	1.4%	1.3%	1.4%	1.4%	1.6%	1.5%	1.3%	0.8%
Commercial Banking — Nonperforming assets rate (%)(%)	1.3%	1.4%	1.5%	1.4%	1.4%	1.3%	1.4%	1.4%	1.6%	1.5%	1.3%	0.8%
Commercial and multifamily real estate — Nonperforming loans rate (%)(%)	1.2%	1.3%	1.1%	1.0%	1.1%	1.1%	1.2%	1.6%	2.0%	1.3%	1.6%	1.2%
Commercial and industrial (C&I) — Nonperforming loans rate (%)(%)	1.2%	1.3%	1.6%	1.6%	1.6%	1.5%	1.5%	1.3%	1.3%	1.6%	1.1%	0.6%
Allowance for credit losses (ACL) — Period-end balance (Table 8)($M)9	22,739	22,966	23,630	23,409	23,103	23,873	15,899	16,258	16,534	16,649	15,380	15,296
Allowance coverage ratio (ACL / period-end loans HFI, %)(%)	4.9%	5.0%	5.3%	5.2%	5.2%	5.4%	4.9%	5.0%	5.2%	5.2%	4.9%	4.8%
Combined ACL and reserve for unfunded lending commitments($M)	22,901	23,108	23,763	23,551	23,238	24,008	16,043	16,401	16,676	16,778	15,514	15,454
Total gross charge-offs (Table 8)($M)	4,798	5,283	5,445	5,250	4,941	4,283	3,692	3,688	3,427	3,361	3,273	3,106
Total recoveries (Table 8)($M)	1,677	1,641	1,598	1,417	1,468	1,223	956	804	823	717	657	573
Total provision for credit losses (Table 8)($M)	2,896	2,980	4,077	4,135	2,713	11,440	2,368	2,639	2,470	3,914	2,707	2,859
Total allowance build / (release) (Table 8)($M)	-225	-662	230	302	-760	7,945	-368	-245		1,270	91	326
Credit Card segment — Ending allowance for credit losses($M)8	19,061	19,329	20,049	20,066	19,727	20,474	12,510	12,974	12,989	13,040	11,754	11,709
Credit Card — Combined ACL & unfunded reserve($M)	19,061	19,329	20,049	20,066	19,727	20,474	12,510	12,974	12,989	13,040	11,754	11,709
Credit Card — Gross charge-offs($M)	4,043	4,458	4,641	4,437	4,211	3,590	2,978	2,865	2,632	2,686	2,574	2,306
Credit Card — Recoveries($M)	1,298	1,266	1,222	1,094	1,110	862	579	497	478	428	367	323
Credit Card — Provision for credit losses($M)	2,479	2,474	3,411	3,678	2,364	11,098	1,926	2,384	2,084	3,545	2,259	2,353
Credit Card — Allowance build / (release)($M)	-266	-718	-8	335	-737	7,935	-473	16		1,287	52	370
Domestic Credit Card — Ending allowance for credit losses($M)5	17,851	18,101	18,806	18,811	18,476	19,229	12,036	12,494	12,494	12,560	11,298	11,261
Domestic Credit Card — Combined ACL & unfunded reserve($M)	17,851	18,101	18,806	18,811	18,476	19,229	12,036	12,494	12,494	12,560	11,298	11,261
Domestic Credit Card — Gross charge-offs($M)	3,773	4,182	4,370	4,167	3,951	3,396	2,852	2,737	2,501	2,556	2,452	2,192
Domestic Credit Card — Recoveries($M)	1,213	1,185	1,129	1,020	1,035	802	538	459	438	383	332	290
Domestic Credit Card — Provision for credit losses($M)	2,310	2,292	3,236	3,482	2,163	10,200	1,856	2,278	1,997	3,435	2,157	2,238
Domestic Credit Card — Allowance build / (release)($M)	-250	-705	-5	335	-753	7,193	-458			1,262	37	336
Personal Loans — Ending allowance for credit losses($M)5	600	656	702	731	767	762
Personal Loans — Combined ACL($M)	600	656	702	731	767	762
Personal Loans — Gross charge-offs($M)	104	116	121	128	121	56
Personal Loans — Recoveries($M)	33	33	32	30	29	14
Personal Loans — Provision for credit losses($M)	15	37	60	62	97	826
Personal Loans — Allowance build / (release)($M)	-56	-46	-29	-36	5	762
International Card Businesses — Ending allowance for credit losses($M)5	610	572	541	524	484	483	474	480	495	480	456	448
International Card — Combined ACL & unfunded reserve($M)	610	572	541	524	484	483	474	480	495	480	456	448
International Card — Gross charge-offs($M)	166	160	150	142	139	138	126	128	131	130	122	114
International Card — Recoveries($M)	52	48	61	44	46	46	41	38	40	45	35	33
International Card — Provision for credit losses($M)	154	145	115	134	104	72	70	106	87	110	102	115
International Card — Allowance build / (release)($M)	40	33	26	36	11	-20	-15	16		25	15	34
Consumer Banking segment — Ending allowance for credit losses($M)7	2,203	2,162	2,047	1,892	1,878	1,864	1,872	1,884	2,015	2,065	2,088	2,042
Consumer Banking — Combined ACL & unfunded reserve($M)	2,203	2,162	2,047	1,892	1,878	1,864	1,872	1,884	2,015	2,065	2,088	2,042
Consumer Banking — Gross charge-offs($M)	734	702	735	705	669	612	676	755	707	636	660	674
Consumer Banking — Recoveries($M)	358	373	371	310	343	352	363	296	306	283	280	245
Consumer Banking — Provision for credit losses($M)	417	444	519	409	340	252	301	328	351	330	426	422
Consumer Banking — Allowance build / (release)($M)	41	115	155	14	14	-8	-12	-131		-23	46	-7
Auto — Ending allowance for credit losses($M)5	2,183	2,142	2,026	1,869	1,855	1,838	1,845	1,859	1,988	2,037	2,057	2,002
Auto — Combined ACL($M)	2,183	2,142	2,026	1,869	1,855	1,838	1,845	1,859	1,988	2,037	2,057	2,002
Auto — Gross charge-offs($M)	714	683	711	682	651	593	656	733	684	615	642	650
Auto — Recoveries($M)	352	370	365	305	338	348	357	291	300	280	275	240
Auto — Provision for credit losses($M)	403	429	503	391	330	238	285	313	335	315	422	399
Auto — Allowance build / (release)($M)	41	116	157	14	17	-7	-14	-129		-20	55	-11
Retail Banking — Ending allowance for credit losses($M)4	20	20	21	23	23	26	27	25	27	28	31	40
Retail Banking — Combined ACL & unfunded reserve($M)	20	20	21	23	23	26	27	25	27	28	31	40
Retail Banking — Gross charge-offs($M)	20	19	24	23	18	19	20	22	23	21	18	24
Retail Banking — Recoveries($M)	6	3	6	5	5	4	6	5	6	3	5	5
Retail Banking — Provision for credit losses($M)	14	15	16	18	10	14	16	15	16	15	4	23
Commercial Banking segment — Ending allowance for credit losses($M)5	1,475	1,475	1,534	1,451	1,498	1,535	1,517	1,400	1,530	1,544	1,538	1,545
Commercial Banking — Combined ACL & unfunded reserve($M)	1,637	1,617	1,667	1,593	1,633	1,670	1,661	1,543	1,672	1,673	1,672	1,703
Commercial Banking — Gross charge-offs($M)	21	123	69	108	61	81	38	68	88	39	39	126
Commercial Banking — Recoveries($M)	21	2	5	13	15	9	14	11	39	6	10	5
Commercial Banking — Provision for credit losses($M)	20	71	138	55	9	81	142	-72	48	34	-2	84
Commercial Banking — Allowance build / (release)($M)		-59	83	-47	-37	18	117	-130		6	-7	-37

Net interest margin (NIM — Table 6)(%)5	8.4%	8.0%	7.9%	8.3%	8.4%	7.6%	6.9%	7.0%	7.1%	6.7%	6.7%	6.7%
Net interest spread (yield on IEA minus rate on IBL, %)(%)	7.9%	7.5%	7.3%	7.7%	7.8%	7.0%	6.3%	6.4%	6.4%	6.0%	6.0%	6.1%
Impact of non-interest-bearing funding on NIM (%)(%)	0.6%	0.6%	0.6%	0.6%	0.6%	0.6%	0.6%	0.7%	0.7%	0.7%	0.7%	0.7%
Net interest income (Table 6)($M)	12,886	12,374	12,145	12,466	12,404	9,995	8,013	8,098	8,076	7,546	7,488	7,519
Total interest-earning assets — Average balance (Table 6)($M)11	612,521	617,583	617,173	603,730	593,247	524,929	462,771	460,640	454,484	450,908	447,803	446,929
Total interest-earning assets — Period-end balance($M)	610,799	610,913	624,560	613,750	605,235	601,999	463,414	463,058	458,189	452,547	453,557	449,701
Total interest-earning assets — Interest income($M)	16,899	16,385	16,231	16,687	16,763	13,828	11,418	11,717	11,860	11,280	11,177	11,145
Total interest-earning assets — Average yield (%)(%)	11.0%	10.6%	10.5%	11.1%	11.3%	10.5%	9.9%	10.2%	10.4%	10.0%	10.0%	10.0%
Loans held for investment — Average balance (Table 6)($M)	457,831	450,862	446,740	445,370	440,374	378,537	322,772	322,231	318,715	315,823	315,563	316,670
Loans held for investment — Interest income (Table 6)($M)	15,515	14,911	14,735	15,186	15,229	12,449	10,157	10,434	10,547	9,993	9,920	9,934
Investment securities — Average balance (Table 6)($M)	99,842	99,339	97,803	97,304	96,186	93,024	92,659	92,248	90,644	89,501	88,581	88,650
Investment securities — Interest income (Table 6)($M)	867	850	832	841	823	784	770	753	733	700	687	669
Investment securities — Average yield (%)(%)	3.5%	3.4%	3.4%	3.5%	3.4%	3.4%	3.3%	3.3%	3.2%	3.1%	3.1%	3.0%
Cash equivalents and other — Average balance (Table 6)($M)	54,848	67,382	72,630	61,056	56,687	53,368	47,340	46,161	45,125	45,584	43,659	41,609
Cash equivalents and other — Interest income (Table 6)($M)	517	624	664	660	711	595	491	530	580	587	570	542
Cash equivalents and other — Average yield (%)(%)	3.8%	3.7%	3.7%	4.3%	5.0%	4.5%	4.1%	4.6%	5.1%	5.2%	5.2%	5.2%
Total interest-bearing liabilities — Average balance (Table 6)($M)14	505,122	509,656	506,517	495,681	491,838	435,926	384,214	379,817	374,772	373,513	370,870	369,765
Total interest-bearing liabilities — Interest expense($M)	4,013	4,011	4,086	4,221	4,359	3,833	3,405	3,619	3,784	3,734	3,689	3,626
Total interest-bearing liabilities — Average rate paid (%)(%)	3.2%	3.2%	3.2%	3.4%	3.6%	3.5%	3.5%	3.8%	4.0%	4.0%	4.0%	3.9%
Interest-bearing deposits — Average balance (Table 6)($M)	454,245	458,130	451,957	442,763	439,527	387,139	337,840	331,564	324,509	322,581	318,450	316,808
Interest-bearing deposits — Interest expense (Table 6)($M)	3,334	3,338	3,387	3,493	3,597	3,120	2,715	2,862	2,945	2,874	2,812	2,745
Interest-bearing deposits — Average rate paid (%)(%)	2.9%	2.9%	3.0%	3.2%	3.3%	3.2%	3.2%	3.5%	3.6%	3.6%	3.5%	3.5%
Securitized debt obligations — Average balance (Table 6)($M)	10,918	10,190	12,476	12,673	12,919	13,043	13,731	14,931	15,833	17,452	17,836	18,022
Securitized debt obligations — Interest expense (Table 6)($M)	127	117	141	155	165	164	176	205	234	258	261	263
Securitized debt obligations — Average rate paid (%)(%)	4.7%	4.6%	4.5%	4.9%	5.1%	5.1%	5.1%	5.5%	5.9%	5.9%	5.9%	5.8%
Senior and subordinated notes — Average balance (Table 6)($M)	35,603	37,498	37,846	36,500	36,272	32,872	30,331	30,888	32,041	30,978	32,211	32,586
Senior and subordinated notes — Interest expense (Table 6)($M)	528	535	532	550	582	535	505	540	596	591	606	608
Senior and subordinated notes — Average rate paid (%)(%)	5.9%	5.7%	5.6%	6.0%	6.4%	6.5%	6.7%	7.0%	7.4%	7.6%	7.5%	7.5%
Other borrowings and Fed funds — Average balance (Table 6)($M)	4,356	3,838	4,238	3,745	3,120	2,872	2,312	2,434	2,389	2,502	2,373	2,349
Other borrowings and Fed funds — Interest expense (Table 6)($M)	24	21	26	23	15	14	9	12	9	11	10	10
Other borrowings and Fed funds — Average rate paid (%)(%)	2.2%	2.3%	2.4%	2.4%	2.0%	1.9%	1.6%	1.9%	1.5%	1.7%	1.8%	1.7%
Total customer deposits (period-end)($M)7	480,697	484,257	489,053	475,771	468,785	468,110	367,464	362,707	353,631	351,442	350,969	348,413
Total customer deposits (average balance)($M)	482,613	486,791	479,958	470,965	467,280	414,568	364,078	358,323	351,125	349,488	345,657	345,328
Interest-bearing deposits (period-end)($M)	453,006	456,464	461,117	448,386	441,136	440,231	340,964	336,585	327,253	324,437	323,352	320,389
Non-interest-bearing deposits (period-end)($M)	27,691	27,793	27,936	27,385	27,649	27,879	26,500	26,122	26,378	27,005	27,617	28,024
Consumer Banking — Period-end deposits($M)2	431,095	435,221	438,034	423,932	416,765	414,044	324,920	318,329	309,569	305,422	300,806	296,171
Consumer Banking — Average deposits($M)	432,953	435,890	428,391	418,673	414,219	365,359	319,950	313,992	306,121	300,794	294,448	291,486
Consumer Banking — Average deposits interest rate (%)(%)	2.8%	2.8%	2.8%	3.0%	3.1%	3.0%	3.0%	3.2%	3.3%	3.2%	3.2%	3.1%
Commercial Banking — Period-end deposits($M)2	31,136	30,841	31,007	31,250	29,920	29,245	29,984	31,691	30,598	29,210	31,082	32,712
Commercial Banking — Average deposits($M)	31,531	31,248	31,137	31,462	29,889	30,444	31,654	31,545	30,365	30,810	31,844	34,525
Commercial Banking — Average deposits interest rate (%)(%)	1.8%	1.8%	1.8%	2.0%	2.1%	2.1%	2.1%	2.3%	2.6%	2.6%	2.7%	2.8%
Other category (brokered & wholesale) — Period-end deposits($M)1	18,466	18,195	20,012	20,589	22,100	24,821	12,560	12,687	13,464	16,810	19,081	19,530
Other category — Average deposits($M)	18,129	19,653	20,430	20,830	23,172	18,765	12,474	12,786	14,639	17,884	19,365	19,317
Interest-bearing deposit products — Average balances, interest & rates (10-Q / 10-K)3
Interest-bearing checking accounts — Average balance($M)2		39,759	38,642		35,419	35,776	36,285		33,936	34,855	35,707
Interest-bearing checking — Interest expense($M)		116	114		107	108	119		135	138	148
Interest-bearing checking — Average rate (%)(%)		1.2%	1.2%		1.2%	1.2%	1.3%		1.6%	1.6%	1.7%
Saving deposits and money market — Average balance($M)2		314,378	309,341		300,386	265,622	227,780		211,608	208,832	206,621
Saving deposits — Interest expense($M)		2,210	2,263		2,355	2,064	1,768		1,825	1,753	1,721
Saving deposits — Average rate (%)(%)		2.8%	2.9%		3.1%	3.1%	3.1%		3.5%	3.4%	3.3%
Time deposits (CDs) — Average balance($M)2		103,993	103,974		103,722	85,741	73,775		78,965	78,894	76,122
Time deposits — Interest expense($M)		1,012	1,010		1,135	948	828		985	983	943
Time deposits — Average rate (%)(%)		3.9%	3.9%		4.4%	4.4%	4.5%		5.0%	5.0%	5.0%
Total liquidity reserves (10-Q / 10-K Liquidity Risk Management)($M)4		144,104	164,766		143,071	143,946	131,084		131,622	122,914	127,481
Liquidity reserves — Cash and cash equivalents($M)		54,714	76,494		55,279	59,109	48,573		49,298	45,414	51,028
Liquidity reserves — FHLB borrowing capacity secured by loans($M)		4,047	4,196		4,167	4,177	4,530		4,818	5,197	5,117
Less: FHLB advances and letters of credit encumbrances($M)		-1,130	-1,839		-632	-632	-48		-48	-50	-50
Less: Other encumbered securities and pledged assets($M)		-6,281	-6,389		-5,476	-5,904	-6,333		-5,946	-6,897	-7,012
Common Equity Tier 1 (CET1) capital ratio (Basel III Standardized)(%)13	13.8%	13.7%	14.4%	14.3%	14.4%	14.0%	13.6%	13.5%	13.6%	13.2%	13.1%	12.9%
Common Equity Tier 1 (CET1) capital ($M)($M)	71,745	70,776	72,459	73,048	72,970	70,712	51,205	50,807	49,956	48,377	48,007	47,615
Tier 1 capital ratio (%)(%)	14.6%	14.8%	15.4%	15.3%	15.5%	15.1%	14.9%	14.8%	14.9%	14.5%	14.4%	14.2%
Tier 1 capital ($M)($M)	76,164	76,183	77,866	78,455	78,377	76,118	56,050	55,652	54,801	53,222	52,852	52,460
Total capital ratio (%)(%)	16.5%	16.6%	17.3%	17.2%	17.3%	17.1%	17.0%	16.4%	16.6%	16.3%	16.2%	16.0%
Total regulatory capital ($M)($M)	85,698	85,771	87,326	88,000	87,853	85,988	63,926	61,805	61,151	59,875	59,484	59,124
Tier 1 leverage ratio (%)(%)	11.9%	11.8%	12.2%	12.5%	12.6%	14.2%	11.6%	11.6%	11.6%	11.3%	11.3%	11.2%
Supplementary leverage ratio (SLR, % — 10-Q / 10-K)(%)		3.0%	3.0%		3.0%	3.0%	3.0%		3.0%	3.0%	3.0%
Risk-weighted assets (RWA)($M)	520,429	516,287	504,654	511,794	506,535	503,413	375,538	377,145	368,199	366,959	366,161	369,206
Adjusted average assets (for Tier 1 leverage denominator)($M)	638,655	643,349	640,503	629,997	622,435	537,581	483,888	480,794	473,146	470,915	468,030	467,553
Common equity excluding AOCI (Table 15)($M)	115,246	114,686	112,733	113,677	114,323	112,368	66,225	65,823	64,966	63,435	63,088	62,710
Net unrealized AOCI gains / (losses) excluded from CET1($M)	66	62	69	81	68	83	19	1	58	13	14	27
Goodwill, net of related deferred tax liabilities (CET1 deduction)($M)	-31,569	-31,559	-28,201	-28,217	-28,575	-28,052	-14,792	-14,786	-14,816	-14,800	-14,804	-14,811
Other intangible assets and DTAs deducted from CET1($M)	-11,998	-12,413	-12,142	-12,493	-12,846	-13,687	-247	-231	-252	-271	-291	-311
Tangible book value per common share (TBVPS — Table 15)($)5	103	105	108	108	105	99.35	114	107	112	99.28	98.67	99.78
Tangible common equity (TCE) — Period-end($M)	61,791	64,546	66,365	67,333	66,869	63,537
Tangible common equity (TCE) — Average($M)	64,814	65,078	68,440	68,853	65,597	52,449
Tangible assets — Period-end($M)	629,421	629,995	642,416	628,133	620,340	616,956
Tangible assets — Average($M)	632,496	638,046	635,290	624,512	616,043	543,332
Goodwill by reportable segment (10-Q / 10-K Note 6)($M)3		31,866	28,502		0	13,242	15,070		15,083	15,062	15,062
Credit Card segment — Goodwill ($M, includes $6,529M from Discover)($M)		14,562	11,908		12,141	5,394	5,371		5,384	5,363	5,363
Consumer Banking segment — Goodwill ($M, includes $6,895M from Discover)($M)		12,250	11,540		11,668	4,645	4,645		4,645	4,645	4,645
Commercial Banking segment — Goodwill ($M)($M)		5,054	5,054		5,054	5,054	5,054		5,054	5,054	5,054
Profitability returns, efficiency ratios & Discover / Brex M&A non-GAAP reconciliations (Table 15)17
Return on average assets (ROA, %)(%)	2.1%	1.8%	1.3%	1.1%	1.9%	-3.0%	1.1%	0.9%	1.5%	0.5%	1.1%	0.6%
Return on average tangible assets (ROTA, %)(%)	2.2%	1.9%	1.4%	1.1%	2.1%	-3.1%	1.2%	0.9%	1.5%	0.5%	1.1%	0.6%
Return on average common equity (ROCE, %)(%)	12.6%	10.8%	7.7%	6.1%	11.5%	-21.2%	9.2%	7.2%	12.0%	4.0%	9.0%	5.0%
Return on average tangible common equity (ROTCE, %)(%)	21.1%	18.0%	12.2%	9.7%	18.8%	-33.0%	12.6%	9.8%	16.4%	5.6%	12.7%	7.2%
Efficiency ratio (GAAP, %)(%)	54.2%	57.1%	55.6%	60.0%	53.8%	56.0%	59.0%	59.8%	53.1%	52.0%	54.6%	60.1%
Operating efficiency ratio (GAAP, %)(%)	44.4%	46.6%	45.7%	47.5%	44.7%	45.2%	47.0%	46.3%	42.0%	40.8%	43.9%	47.0%
Adjusted efficiency ratio (Non-GAAP, %)(%)	48.8%	51.4%	49.7%	53.7%	48.0%	50.9%	55.9%	57.6%	52.5%	51.5%	54.2%	57.1%
Adjusted operating efficiency ratio (Non-GAAP, %)(%)	39.0%	40.9%	39.9%	41.4%	38.9%	40.2%	43.9%	44.2%	41.4%	40.3%	43.5%	43.9%
Adjusted net revenue (Non-GAAP)($M)	16,308	15,826	15,230	15,620	15,464	12,577	10,000	10,190	10,014	9,533	9,402	9,506
Adjusted non-interest expense (Non-GAAP)($M)	-7,952	-8,131	-7,571	-8,393	-7,417	6,396	5,594	5,874	5,260	4,907	5,095	5,428
Adjusted operating expense (Non-GAAP)($M)	6,358	6,470	6,074	6,459	6,014	5,051	4,392	4,499	4,147	3,843	4,085	4,174
Adjusted net income available to common stockholders (Non-GAAP)($M)	4,076	3,604	2,752	2,436	3,801	2,768	1,557	1,185	1,733	1,205	1,232	858
Adjusted diluted EPS (Non-GAAP, $)($)	6.69	5.81	4.42	3.86	5.95	5.48	4.06	3.09	4.51	3.14	3.21	2.24
Discover integration expenses (Table 15)($M)	338	298	415	352	348	299	110	140	63	31
Acquisition intangible amortization expense (Discover & Brex)($M)	483	494	477	546	603	340
Marketing expense (consolidated)($M)	1,594	1,661	1,497	1,934	1,403	1,345	1,202	1,375	1,113	1,064	1,010	1,254
Operating expense (excluding marketing)($M)	7,262	7,382	6,967	7,408	6,860	5,646	4,700	4,714	4,201	3,882	4,127	4,463

Total employees (period-end headcount, in thousands)	77.50	78.40	77.10	76.30	77.00	76.50	53.90	52.60	52.50	52.10	51.30	52.00

Capital One, National Association (CONA — FDIC Cert 4297, FFIEC 031 Call Reports & 10-Q/10-K Basel III)4
CONA — Total assets($M)14		662,157	672,010	658,464	652,138	648,909	490,573	487,193	483,857	477,304	478,877	475,629
CONA — Cash and balances due from depository institutions($M)		52,477	75,581	56,510	49,294	57,527	48,497	43,132	49,190	47,328	51,008	43,244
CONA — Total investment securities($M)		95,528	95,564	96,146	93,428	90,641	84,711	83,355	83,809	79,529	78,670	79,315
CONA — Trading assets($M)		1,791	2,726	1,702	1,552	1,825	1,482	1,203	1,662	1,371	1,536	1,522
CONA — Gross loans and leases($M)		457,432	447,940	454,382	451,777	447,568	324,285	327,978	320,338	318,994	316,785	321,325
CONA — Credit card loans($M)		250,519	246,638	256,015	247,168	245,828	143,440	149,392	143,231	140,620	137,624	142,382
CONA — Auto loans($M)		89,311	85,700	83,600	82,035	80,017	77,656	76,829	75,505	74,385	73,801	74,075
CONA — Total consumer loans (cards, auto & personal)($M)		348,449	341,411	349,114	338,851	335,634	221,099	226,222	218,738	215,007	211,432	216,461
CONA — Loans secured by real estate($M)		24,247	24,498	24,980	32,280	32,883	25,835	25,056	26,428	27,530	29,360	29,079
CONA — Commercial and industrial (C&I) loans($M)		37,129	36,154	34,983	36,205	35,204	35,224	34,280	45,365	46,279	46,845	45,833
CONA — Allowance for loan and lease losses($M)		22,966	23,630	23,409	23,103	23,873	15,899	16,258	16,534	16,649	15,380	15,296
CONA — Net loans and leases($M)		434,466	424,310	430,973	428,674	423,695	308,385	311,720	303,804	302,344	301,405	306,030
CONA — Noncurrent loans and leases (90+ days past due or nonaccrual)($M)		6,822	7,480	7,894	7,647	7,283	5,787	6,406	6,127	5,712	5,791	5,633
CONA — Unused credit card lines (off-balance-sheet)($M)		700,807	694,414	677,751	674,931	667,740	423,835	410,723	412,026	411,227	404,153	392,286
CONA — Total unused loan commitments($M)		760,624	745,350	727,931	722,420	715,106	470,420	456,787	457,643	457,892	451,169	439,859
CONA — Total deposits($M)6		512,600	520,795	504,753	498,961	497,464	388,748	385,442	380,007	372,581	374,210	374,160
CONA — Domestic office deposits($M)		512,450	520,653	504,610	498,827	497,325	388,624	385,327	379,886	372,464	374,090	374,037
CONA — Foreign office deposits($M)		150	142	142	134	139	124	115	122	117	120	123
CONA — Core deposits($M)		478,062	484,301	467,919	461,176	458,601	364,528	358,458	352,708	342,132	342,890	339,708
CONA — Estimated FDIC-insured deposits($M)		412,171	415,763	404,081	397,746	401,401	304,032	298,124	291,765	292,018	289,262	284,689
CONA — Brokered deposits($M)		16,767	18,645	19,298	20,785	22,761	11,562	11,873	12,499	15,902	18,206	18,686
CONA — Total bank equity capital($M)		98,721	97,280	97,584	97,868	97,139	59,194	55,895	59,130	53,814	53,285	53,187
CONA — Net income (quarterly derived from YTD Call Report)($M)11		3,235	2,317	2,370	3,439	-4,150	1,542	1,261	1,904	693	1,388	811
CONA — Net interest income($M)		12,475	12,238	12,541	12,503	10,112	8,141	8,231	8,213	7,688	7,621	7,643
CONA — Total interest income($M)		16,365	16,219	16,672	16,746	13,814	11,405	11,703	11,846	11,267	11,162	11,129
CONA — Total interest expense($M)		3,890	3,981	4,131	4,243	3,702	3,264	3,472	3,633	3,579	3,541	3,486
CONA — Total noninterest income($M)		2,962	2,721	2,888	2,702	2,284	2,001	2,088	1,881	1,894	1,833	1,931
CONA — Total noninterest expense($M)		8,367	7,944	8,933	7,861	6,772	5,846	6,039	5,246	4,891	5,073	5,652
CONA — Provision for credit losses($M)		2,989	4,068	4,142	2,714	11,430	2,370	2,642	2,482	3,910	2,683	2,857
CONA — Net charge-offs($M)		3,642	3,847	3,833	3,472	3,060	2,736	2,885	2,605	2,642	2,616	2,532
CONA — Net interest margin (YTD annualized, %)(%)		8.5%	8.4%	8.4%	8.2%	7.6%	7.5%	7.4%	7.3%	7.2%	7.2%	7.2%
CONA — Return on assets (YTD annualized, %)(%)		1.7%	1.4%	0.6%	0.2%	-1.0%	1.3%	1.1%	1.1%	0.9%	1.2%	1.1%
CONA — Return on equity (YTD annualized, %)(%)		11.4%	9.5%	3.9%	1.4%	-7.4%	10.7%	9.5%	9.7%	7.8%	10.4%	10.4%
CONA — Efficiency ratio (%)(%)		50.6%	50.0%	53.0%	52.3%	54.8%	57.5%	53.7%	52.0%	52.1%	53.5%	54.1%
CONA — CET1 capital ratio (Basel III Standardized, %)(%)13		4.5%	4.5%	13.4%	4.5%	4.5%	4.5%	13.6%	4.5%	4.5%	4.5%	13.1%
CONA — CET1 capital ($M)($M)		13	14		14	14	14		14	14	13
CONA — Tier 1 capital ratio (%)(%)		6.0%	6.0%		6.0%	6.0%	6.0%		6.0%	6.0%	6.0%
CONA — Tier 1 capital ($M)($M)		13	14	68,204	14	14	14	51,118	14	14	13	47,933
CONA — Total capital ratio (%)(%)		8.0%	8.0%	15.1%	8.0%	8.0%	8.0%	15.2%	8.0%	8.0%	8.0%	14.3%
CONA — Total regulatory capital ($M)($M)		15	15		15	15	16		16	15	15
CONA — Tier 1 leverage ratio (%)(%)		4.0%	4.0%	10.9%	4.0%	4.0%	4.0%	10.7%	4.0%	4.0%	4.0%	10.3%
CONA — Tier 1 leverage capital ($M)($M)		11	11		11	13	11		11	11	10
CONA — Supplementary leverage ratio (SLR, %)(%)		3.0%	3.0%		3.0%	3.0%	3.0%		3.0%	3.0%	3.0%
CONA — Supplementary leverage capital ($M)($M)		9	9		9	11	9		9	9	9
CONA — Risk-weighted assets (RWA)($M)		510,916	500,018	507,435	502,549	499,284	373,618	374,967	366,536	365,162	364,340	367,242
CONA — Full-time equivalent employees (FTE)		90,255	88,752	87,839	83,797	84,350	68,666	61,734	61,227	59,025	57,364	57,866
CONA — Domestic full-service branches (FDIC Call Report)		249	262	265	265	265	263	263	262	262	279	283
CONA — Foreign branches		3	3	3	3	3	3	3	3	3	3	3
Discover Bank (FDIC Cert 5649 — Historical FFIEC 031 Call Reports through Q1 2025 prior to merger into CONA)1
Discover Bank — Total assets (legacy pre-merger through Q1 2025)($M)29							145,413	145,453	149,330	148,675	150,317	149,499
Discover Bank — Cash and balances due($M)							11,570	8,178	10,485	10,575	13,533	11,264
Discover Bank — Investment securities($M)							20,242	20,077	15,635	13,540	13,961	13,697
Discover Bank — Gross loans and leases($M)							117,404	121,122	126,996	127,652	126,557	128,413
Discover Bank — Credit card loans($M)							98,891	102,649	100,342	99,915	99,323	102,110
Discover Bank — Total consumer loans($M)							108,987	112,964	119,264	120,381	119,910	122,314
Discover Bank — Real estate loans (home equity)($M)							8,223	7,963	7,532	7,067	6,443	5,890
Discover Bank — Allowance for loan and lease losses($M)							8,108	8,323	8,512	8,481	9,258	9,283
Discover Bank — Net loans and leases($M)							109,296	112,799	118,484	119,171	117,299	119,130
Discover Bank — Noncurrent loans($M)							2,193	2,298	2,267	2,197	2,294	2,260
Discover Bank — Unused credit card lines($M)							237,758	232,366	233,418	232,551	232,736	229,057
Discover Bank — Total unused commitments($M)							237,894	232,529	233,614	232,777	232,994	229,736
Discover Bank — Total deposits($M)							114,277	112,460	114,517	112,081	113,886	112,625
Discover Bank — Core deposits($M)							95,664	93,233	92,164	88,750	88,563	85,892
Discover Bank — Estimated FDIC-insured deposits($M)							104,422	103,356	106,427	105,193	107,259	105,891
Discover Bank — Brokered deposits($M)							14,786	15,330	18,455	19,961	21,979	23,730
Discover Bank — Total bank equity capital($M)							14,219	14,022	14,538	14,448	12,979	12,340
Discover Bank — Net income($M)							1,053	1,288	774	1,475	843	322
Discover Bank — Net interest income($M)							3,727	3,800	3,847	3,714	3,674	3,665
Discover Bank — Total interest income($M)							4,959	5,140	5,277	5,127	5,099	5,030
Discover Bank — Total interest expense($M)							1,232	1,341	1,430	1,413	1,425	1,365
Discover Bank — Noninterest income($M)							270	694	350	384	284	250
Discover Bank — Noninterest expense($M)							1,365	1,590	1,596	1,453	1,348	1,577
Discover Bank — Provision for credit losses($M)							1,244	1,202	1,472	740	1,497	1,910
Discover Bank — Net charge-offs($M)							1,459	1,391	1,441	1,524	1,556	1,299
Discover Bank — CET1 capital ratio (%)(%)							11.9%	12.0%	11.6%	11.7%	10.6%	10.4%
Discover Bank — Total capital ratio (%)(%)							14.1%	14.2%	13.7%	13.8%	12.8%	12.7%
Discover Bank — Tier 1 leverage ratio (%)(%)							9.7%	9.9%	9.9%	10.2%	9.2%	9.2%
Discover Bank — Risk-weighted assets (RWA)($M)							119,081	121,935	128,324	130,478	129,390	129,764
Discover Bank — Full-time equivalent employees (FTE)							13,428	12,810	13,363	13,802	14,218	13,916

Federal Reserve G.19 Consumer Credit & Commercial Bank Card Rates2
Commercial bank credit card interest rate — All accounts (FRED TERMCBCCALLNS, %)(%)	21.2%	20.9%	21.0%	21.0%	21.4%	21.2%	21.4%	21.5%	21.8%	21.5%	21.6%	21.5%
Commercial bank credit card interest rate — Accounts assessed interest (FRED TERMCBCCINTNS, %)(%)	22.4%	22.2%	21.5%	22.3%	22.8%	22.3%	21.9%	22.8%	23.4%	22.8%	22.6%	22.8%
U.S. Commercial Bank Delinquency & Charge-Off Rates & Senior Loan Officer Survey (SLOOS)9
U.S. commercial banks — Credit card delinquency rate (FRED DRCCLACBS, %)(%)		2.9%	2.9%	3.0%	3.0%	3.0%	3.1%	3.1%	3.2%	3.2%	3.2%	3.1%
U.S. commercial banks — Credit card net charge-off rate (FRED CORCCACBS, %)(%)		3.8%	3.8%	4.1%	4.2%	4.2%	4.4%	4.6%	4.7%	4.6%	4.4%	4.2%
U.S. commercial banks — All loans delinquency rate (FRED DRALACBN, %)(%)		1.4%	1.5%	1.5%	1.4%	1.4%	1.5%	1.6%	1.5%	1.4%	1.4%	1.4%
U.S. commercial banks — All loans net charge-off rate (FRED CORALACBN, %)(%)		0.6%	0.6%	0.6%	0.6%	0.6%	0.6%	0.7%	0.6%	0.7%	0.6%	0.6%
U.S. commercial banks — Business (C&I) loan delinquency rate (FRED DRBLACBS, %)(%)		1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.2%	1.2%	1.1%	1.0%
U.S. commercial banks — Commercial real estate delinquency rate (FRED DRCRELEXFACBS, %)(%)		1.5%	1.6%	1.6%	1.6%	1.6%	1.6%	1.6%	1.5%	1.4%	1.2%	1.2%
U.S. commercial banks — Single-family residential mortgage delinquency rate (FRED DRSFRMACBS, %)(%)		1.9%	1.9%	1.8%	1.8%	1.8%	1.8%	1.8%	1.7%	1.7%	1.7%	1.7%
SLOOS — Net % of domestic banks tightening standards for credit card loans (FRED DRTSCLCC, %)(%)	6.7%	2.0%	0.0%	4.2%	10.4%	5.6%	9.4%	18.4%	20.0%	21.2%	22.9%	28.9%
SLOOS — Net % of domestic banks tightening standards for C&I loans to large/middle-market firms (FRED DRTSCILM, %)(%)	0.0%	8.1%	5.3%	6.5%	9.5%	18.5%	6.2%	0.0%	7.9%	15.6%	14.5%	33.9%
Interest Rates, U.S. Retail Sales, E-Commerce & Personal Consumption Expenditures (PCE)2
U.S. Quarterly Retail E-Commerce Sales (FRED ECOMSA, $M)($M)		340,244	327,861	317,999	310,817	303,284	297,701	300,329	295,249	288,822	283,038	276,781
U.S. E-Commerce Retail Sales as % of Total Retail Sales (FRED ECOMPCTSA, %)(%)		17.1%	17.0%	16.7%	16.4%	16.3%	16.0%	16.2%	16.2%	16.1%	15.9%	15.5%

Reportable segment financial results (Credit Card, Consumer Banking, Commercial Banking & Other)3
Credit Card segment — Total net revenue($M)8	12,147	11,765	11,389	11,693	11,607	9,095	7,165	7,364	7,252	6,800	6,748	6,796
Credit Card — Net interest income($M)	9,622	9,252	9,236	9,479	9,396	7,293	5,654	5,779	5,743	5,294	5,272	5,231
Credit Card — Non-interest income($M)	2,525	2,513	2,153	2,214	2,211	1,802	1,511	1,585	1,509	1,506	1,476	1,565
Credit Card — Provision for credit losses($M)	2,479	2,474	3,411	3,678	2,364	11,098	1,926	2,384	2,084	3,545	2,259	2,353
Credit Card — Non-interest expense($M)	5,880	6,098	5,501	6,147	5,409	4,447	3,638	3,846	3,367	3,134	3,229	3,417
Credit Card — Income before income taxes($M)	3,788	3,193	2,477	1,868	3,834	-6,450	1,601	1,134	1,801	121	1,260	1,026
Credit Card — Income tax provision / (benefit)($M)	929	782	608	445	914	-1,533	382	268	427	30	299	241
Credit Card — Net income / (loss)($M)	2,859	2,411	1,869	1,423	2,920	-4,917	1,219	866	1,374	91	961	785
Domestic Credit Card sub-segment — Total net revenue($M)6	11,480	11,103	10,725	11,022	10,926	8,571	6,803	6,996	6,872	6,441	6,383	6,438
Domestic Credit Card — Net interest income($M)	9,005	8,643	8,618	8,854	8,766	6,822	5,343	5,474	5,434	5,001	4,972	4,940
Domestic Credit Card — Non-interest income($M)	2,475	2,460	2,107	2,168	2,160	1,749	1,460	1,522	1,438	1,440	1,411	1,498
Domestic Credit Card — Non-interest expense($M)	5,556	5,771	5,179	5,789	5,092	4,192	3,422	3,607	3,149	2,946	3,025	3,186
Domestic Credit Card — Income before income taxes($M)	3,614	3,040	2,310	1,751	3,671	-5,821	1,525	1,111	1,726	60	1,201	1,014
Domestic Credit Card — Income tax provision($M)	885	745	566	417	873	-1,385	363	262	407	15	283	239
Domestic Credit Card — Net income / (loss)($M)	2,729	2,295	1,744	1,334	2,798	-4,436	1,162	849	1,319	45	918	775
Consumer Banking segment — Total net revenue($M)7	3,300	3,209	2,912	2,919	2,832	2,556	2,126	2,141	2,210	2,197	2,170	2,114
Consumer Banking — Net interest income($M)	2,531	2,431	2,229	2,296	2,357	2,162	1,943	1,959	2,028	2,025	2,011	1,951
Consumer Banking — Non-interest income($M)	769	778	683	623	475	394	183	182	182	172	159	163
Consumer Banking — Provision for credit losses($M)	417	444	519	409	340	252	301	328	351	330	426	422
Consumer Banking — Non-interest expense($M)	2,142	2,121	1,998	2,289	1,941	1,713	1,581	1,545	1,331	1,250	1,246	1,402
Consumer Banking — Income before income taxes($M)	741	644	395	221	551	591	244	268	528	617	498	290
Consumer Banking — Income tax provision($M)	181	158	97	52	131	141	58	63	125	146	117	68
Consumer Banking — Net income($M)	560	486	298	169	420	450	186	205	403	471	381	222
Commercial Banking segment — Total net revenue($M)7	901	850	909	930	904	937	884	953	888	880	880	862
Commercial Banking — Net interest income($M)	603	585	581	574	586	602	572	587	596	609	599	617
Commercial Banking — Non-interest income($M)	298	265	328	356	318	335	312	366	292	271	281	245
Commercial Banking — Provision for credit losses($M)	20	71	138	55	9	81	142	-72	48	34	-2	84
Commercial Banking — Non-interest expense($M)	467	462	498	504	520	489	486	518	495	483	515	487
Commercial Banking — Income before income taxes($M)	414	317	273	371	375	367	256	507	345	363	367	291
Commercial Banking — Income tax provision($M)	101	78	67	89	89	87	61	119	82	85	87	68
Commercial Banking — Net income($M)	313	239	206	282	286	280	195	388	263	278	280	223
Consolidated income statement context (DB XBRL + Q3 2026 Supplement)13
Total net revenue (GAAP)($M)		15,850	15,231	15,583	15,359	12,492	10,000	10,190	10,014	9,506	9,402	9,506
Net interest income (GAAP)($M)	12,886	12,374	12,145	12,466	12,404	9,995	8,013	8,098	8,076	7,546	7,488	7,519
Total interest income (GAAP)($M)	16,899	16,385	16,231	16,687	16,763	13,828	11,418	11,717	11,860	11,280	11,177	11,145
Non-interest income (GAAP)($M)		3,476	3,086	3,117	2,955	2,497	1,987	2,092	1,938	1,960	1,914	1,987
Provision for credit losses (GAAP)($M)	2,896	2,989	4,068	4,142	2,714	11,430	2,369	2,642	2,482	3,909	2,683	2,857
Total non-interest expense (GAAP)($M)		9,043	8,464	9,342	8,263	6,991	5,902	6,089	5,314	4,946	5,137	5,717
Income before income taxes (GAAP)($M)		3,818	2,699	2,099	4,382	-5,929	1,729	1,459	2,218	651	1,582	932
Income tax provision (GAAP)($M)1		798	518	345	1,189	-1,666	325	366	441	54	302	226
Effective income tax rate (%)(%)	22.6%	20.9%	19.2%	16.4%	27.1%	28.1%	18.8%	25.1%	19.9%	8.3%	19.1%	24.2%
Net income (GAAP)($M)		3,020	2,174	2,134	3,192	-4,277	1,404	1,096	1,777	597	1,280	706
Preferred stock dividends($M)	-73	-57	-73	-57	-73	-65	-57	-57	-57	-57	-57	-57
Net income allocated to participating securities($M)	-32	-28	-20	-20	-33	-4	-22	-17	-28	-9	-23	-10
Net income available to common stockholders($M)	3,422	2,935	2,081	2,057	3,086	-4,340	1,325	1,022	1,692	531	1,200	639
Common dividends declared per share ($)($)	0.80	0.80	0.80	0.80	0.60	0.60	0.60	0.60	0.60	0.60	0.60	0.60
Consolidated balance sheet and cash flow context (DB XBRL + Table 4)12
Total assets (period-end)($M)1	672,867	673,835	682,905	669,009	661,877	658,968	493,604	490,144	486,433	480,018	481,720	478,464
Total assets (average balance)($M)	676,168	682,079	675,999	665,656	657,858	572,446	491,817	488,300	481,219	477,285	474,995	472,594
Total cash and cash equivalents (Table 4)($M)4	48,889	54,714	76,494	57,434	55,279	59,109	48,573	43,230	49,298	45,414	51,028	43,297
Cash and due from banks($M)	4,950	4,834	4,555	3,031	4,606	4,854	4,108	3,028	3,976	5,298	4,671	4,903
Interest-bearing deposits and other short-term investments with banks($M)	43,939	49,880	71,939	54,403	50,673	54,255	44,465	40,202	45,322	40,116	46,357	38,394
Federal funds sold and securities purchased under agreements to resell($M)	612	694	626	587	616	742	573	562	520	715	568	538
Restricted cash for securitization investors($M)	442	1,167	2,762	4,659	3,248	2,469	392	441	421	2,415	474	458
Total investment securities (AFS + HTM)($M)2	89,771	92,778	92,314	91,051	89,733	87,196	84,362
Available-for-sale (AFS) securities($M)	85,990	90,041	90,620	91,051	89,733	87,196	84,362	83,013	83,500	79,250	78,398	79,117
Held-to-maturity (HTM) securities($M)	3,781	2,737	1,694
Premises and equipment, net($M)	6,158	6,244	5,730	5,602	5,576	5,687	4,579	4,511	4,440	4,396	4,366	4,375
Goodwill (balance sheet)($M)	31,880	31,866	28,502	28,509	28,863	28,335	15,070	15,059	15,083	15,062	15,062	15,065
Other intangible assets (core deposit & PCCR intangibles)($M)	15,569	16,077	16,087	16,578	17,042	18,157	217	233	253	271	290	310
Total borrowings (period-end)($M)4	49,774	45,371	51,888	51,000	51,482	52,666	41,773	45,551	49,336	47,956	50,361	49,856
Total borrowings (average balance)($M)	48,061	49,092	52,348	50,814	50,180	46,601	44,448	46,293	48,274	48,842	50,474	51,070
Securitized debt obligations (period-end)($M)	11,280	8,502	11,283	12,853	13,642	14,658	11,716	14,264	15,881	17,291	17,661	18,043
Senior and subordinated notes (period-end)($M)	36,347	35,620	38,421	36,001	36,662	36,706	29,459	30,696	32,911	29,925	32,108	31,248
Other borrowings and Fed funds purchased (period-end)($M)	1,535	555	1,558	1,559	562	560	25	29	24	25	24	27
Total stockholders' equity (period-end)($M)5	109,656	113,793	112,261	113,616	113,813	110,956	63,542	60,784	62,925	57,981	57,801	58,089
Total stockholders' equity (average balance)($M)	113,571	114,518	114,556	115,404	112,819	86,918	62,240	61,764	61,289	58,107	57,998	55,632
Common stockholders' equity (period-end)($M)	105,237	108,386	106,854	108,209	108,406	105,549	58,697	55,938	58,080	53,135	52,955	53,244
Common stockholders' equity (average balance)($M)	108,486	109,111	109,149	109,997	107,412	81,563	57,395	56,918	56,443	53,262	53,152	50,786
Treasury stock (at cost)($M)	-16,953	-14,269	-12,939	-10,146	-7,626	-6,589	-31,245	-30,870	-30,709	-30,548	-30,385	-30,136
Common shares outstanding (period-end, millions)	601.50	613.50	615.90	625.10	635.70	639.50	383.00	381.20	381.50	381.90	382.10	380.40
Operating cash flow (GAAP, includes YTD split derivations)($M)		8,444	6,023	7,831	9,154	6,066	4,667	2,448	6,458	6,243	3,010	7,100
Capital expenditures (premises, equipment & software)($M)		367	553	444	387	399	348	356	312	289	247	261
Total cash dividends paid($M)		500	502	508	386	388	234	232	233	232	235	233
Common stock repurchases (cash flow)($M)		2,747	2,793	2,520	1,037	167	375	161	161	163	249	158

Italic numbers are calculated by StockData from reported figures (hover for the formula). Numbers with a dotted underline are read from the text of earnings releases and presentations; hover to see the exact sentence. Tick a row to add it to the chart above (up to 8 lines).

Methodology and excluded metrics

Fiscal year = calendar year (December 31). Quarterly Form 8-K Earnings Releases & 26-page Financial Supplements run through Q3 2026 (ended September 30, 2026, filed October 20, 2026); monthly Form 8-K Item 7.01 Domestic Credit Card & Auto credit metrics (82 months) and Capital One Master Trust Form 10-D filings (58 months) run through September 2026 (2026-09).
Rows marked '10-Q / 10-K' and FFIEC 031 Call Reports for Capital One, National Association (CONA, FDIC Cert 4297) run through Q2 2026 (the Q3 2026 Form 10-Q and Call Report are filed in November 2026).
On May 18, 2025, Capital One completed the acquisition of Discover Financial Services (merging Discover Bank into CONA), adding Personal Loans to the Credit Card segment and adding the Global Payment Network (Discover Network, PULSE, Diners Club International) to Consumer Banking. On April 7, 2026, Capital One completed the acquisition of Brex.
All cells are published figures or permitted period-splitting derivations (Q4 = full year 10-K − nine months 10-Q; cash flow / Call Report quarter = YTD − prior YTD). Consolidated − Parent carve-outs are not applicable (COF Parent is a bank holding company whose revenue is primarily dividends from subsidiaries); standalone subsidiary disclosures (CONA, Discover Bank, Capital One (Europe) plc, COMT, DCENT) and Parent Company Only (Note 20) are presented in dedicated groups.

Not shown because recent periods are missing (12)

Geographic & industry loan concentration (10-Q / 10-K MD&A & Note 4) › Consumer Banking Auto loans by top U.S. states ($M & % of Auto) › New Jersey — Auto loans › New Jersey (% of Auto loans)
Geographic & industry loan concentration (10-Q / 10-K MD&A & Note 4) › Consumer Banking Auto loans by top U.S. states ($M & % of Auto) › New Jersey — Auto loans
Geographic & industry loan concentration (10-Q / 10-K MD&A & Note 4) › Consumer Banking Auto loans by top U.S. states ($M & % of Auto) › New York — Auto loans › New York (% of Auto loans)
Geographic & industry loan concentration (10-Q / 10-K MD&A & Note 4) › Consumer Banking Auto loans by top U.S. states ($M & % of Auto) › New York — Auto loans
Geographic & industry loan concentration (10-Q / 10-K MD&A & Note 4) › Commercial Banking loans by industry classification (% of Commercial portfolio) › Food and beverage (% of Commercial loans)
Allowance for credit losses (ACL) — Period-end balance (Table 8) › Consumer Banking segment — Ending allowance for credit losses › Retail Banking — Ending allowance for credit losses › Retail Banking — Allowance build / (release)
Consolidated income statement context (DB XBRL + Q3 2026 Supplement) › Diluted earnings per common share (GAAP, $)
Active credit card accounts / total customer accounts count (consolidated): Capital One does not disclose consolidated credit card account count in 10-K/10-Q/Financial Supplement (only exact monthly securitized trust account counts in COMT Form 10-D and legacy DCENT Form 10-D are published and included in Group 4).
Capital One Cafes & bank branches count ('over 50 Capital One Cafes', 'approximately 260 branches'): disclosed only as approximate / bound narrative figures in 10-K Item 1 without a continuous 3-period exact table; exact FDIC Call Report branch counts for CONA and Discover Bank are included in Group 7 and exact branch/cafe square footage in Group 6.
Interest rate sensitivity NII & EVE instantaneous shock scenarios (±50 bps, ±100 bps, ±200 bps): 10-Q / 10-K Market Risk table changed format after Discover merger, leaving < 3 consecutive latest quarters in uniform table format.
Uninsured deposits total ($B and % of total deposits): disclosed only intermittently in 10-K text without 3 consecutive quarters through Q2 2026; exact uninsured time deposits by maturity schedule (FY2022–FY2025) and FDIC Call Report insured/core deposits (60 quarters) are included.
Discover initial allowance build for non-PCD loans ($8,767M in Q2 2025) & Brex integration expenses ($96M in Q2 2026, $47M in Q3 2026): one-time / 2-quarter M&A line items with < 3 consecutive quarters.

Data updated 2026-10-27.

Every KPI on its own page

Full history, chart, sources and a citation for each metric

Capital One Financial Corp (COF) operating KPIs

KPIs

Every KPI on its own page

Payment network volume, credit card purchase volume, auto originations & fee disaggregation (key metrics)

Loan portfolio by sub-segment, yields, FICO credit score mix & geographic / industry concentration

Credit quality, monthly Form 8-K credit metrics (Domestic Card & Auto) & ACL rollforward (Table 8)

Securitization trusts — Monthly Form 10-D (Capital One Master Trust / COMET & Discover Card Execution Note Trust)

Net interest margin (Table 6), deposits, liquidity reserves & Basel III regulatory capital (Table 15)

Workforce, real estate footprint (Item 2), Associate Savings Plan (Form 11-K), CEO pay ratio & sustainability

Subsidiary & parent disclosures — CONA (FDIC 4297), Discover Bank (FDIC 5649), Capital One (Europe) plc & Parent (Note 20)

U.S. consumer credit, commercial bank card delinquency/charge-offs & macro benchmarks (Federal Reserve / FRED)

Segment & consolidated financial context (DB XBRL + Q3 2026 Financial Supplement)