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Capital One

COF · Financials

Last earnings Oct 20, 2026

Key results

Net incomequarter

$3.2 billion

com FOR IMMEDIATE RELEASE October 21, 2025 Capital One Reports Third Quarter 2025 Net Income of $3.2 billion, or $4.83 per share Net of adjusting items, Third Quarter 2025 Net Income of $5.95 per share (1) McLean, Va.

SEC original ↗Capital One — Earnings release (8-K exhibit)EX-99Oct 21, 2025

net income of $1.8 billion, or $4.41 per diluted common share in the third quarter of 2024.

SEC original ↗Capital One — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Adjusted net incomequarter

$5.95

Adjusted net income (1) for the third quarter of 2025 was $5.95 per diluted common share.

SEC original ↗Capital One — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Revenuequarter

23 percent

Third Quarter 2025 Income Statement Summary Total net revenue increased 23 percent to $15.4 billion.

SEC original ↗Capital One — Earnings release (8-K exhibit)EX-99Oct 21, 2025

revenue was reduced by $869 million in Q3 2025, $785 million in Q2 2025, $705 million in Q1 2025, $706 million in Q4 2024 and $624 million in Q3 2024 for credit card finance charges and fees charged off as uncollectible.

SEC original ↗Capital One — Earnings release (8-K exhibit)EX-99Oct 21, 2025

AI analysis

Q3 2025 · reported Oct 21, 2025

Based on: Earnings release + parent 8-K + 10-K — transcript not held

Net income · Q3 2025
$3.2B
EX-99 · Oct 21, 2025
Adjusted net income · Q3 2025
$5.95
EX-99 · Oct 21, 2025
Revenue · Q3 2025
23 percent
EX-99 · Oct 21, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Net income$3.2 billion——
Adjusted net income$5.95——
Revenue23 percent——

EX-99 · Oct 21, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

(2) Dividends and undistributed earnings allocated to participating securities and earnings per share are computed independently for each period.

We may issue equity or debt to fund our acquisitions.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

In the third quarter, our adjusted earnings, top-line growth, credit results, and capital generation continued to be strong, said Richard D

Based on: Earnings release + parent 8-K + 10-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

(2) Dividends and undistributed earnings allocated to participating securities and earnings per share are computed independently for each period.

SEC original ↗Capital One — Earnings release (8-K exhibit)EX-99Oct 21, 2025

We may issue equity or debt to fund our acquisitions.

SEC original ↗Capital One — 10-K Annual report10-KFeb 19, 2026

6 Capital One Financial Corporation (COF) Table of Contents OPERATIONS AND BUSINESS SEGMENTS Our consolidated total net revenues are derived primarily from lending to consumer and commercial customers net of funding costs associated with our deposits, long-term debt and other borrowings.

SEC original ↗Capital One — 10-K Annual report10-KFeb 19, 2026

In particular, the Company s stress capital buffer requirement equals, subject to a floor of 2.5%, the sum of (i) the difference between the Company s starting CET1 capital ratio and its lowest projected CET1 capital ratio under the severely adverse scenario of the Federal Reserve s supervisory stress test plus (ii) the ratio of the Company s projected four quarters of common stock dividends (for the fourth to seventh quarters of the planning horizon) to the projected risk-weighted assets for the quarter in which the Company s projected CET1 capital ratio reaches its minimum under the supervisory stress test.

SEC original ↗Capital One — 10-K Annual report10-KFeb 19, 2026

11 Capital One Financial Corporation (COF) Table of Contents Capital Planning and Stress Testing Under the Federal Reserve s capital plan rule, a covered company, such as the Company, must submit a capital plan to the Federal Reserve on an annual basis that contains a description of all planned capital actions, including dividends or stock repurchases, over a nine-quarter planning horizon beginning with the first quarter of the calendar year the capital plan is submitted.

SEC original ↗Capital One — 10-K Annual report10-KFeb 19, 2026

Funding and Dividends from Subsidiaries Dividends from the Company s direct and indirect subsidiaries represent a major source of the funds we use to pay dividends on our capital stock, make payments on our corporate debt securities and meet our other obligations.

SEC original ↗Capital One — 10-K Annual report10-KFeb 19, 2026

Strategy & priorities

Business Developments We regularly explore and evaluate opportunities to acquire financial products and services as well as financial assets, including credit card and other loan portfolios, and enter into strategic partnerships as part of our growth strategy.

SEC original ↗Capital One — 10-K Annual report10-KFeb 19, 2026

We also explore opportunities to acquire technology companies and related assets to improve our information technology infrastructure and to deliver on our digital strategy.

SEC original ↗Capital One — 10-K Annual report10-KFeb 19, 2026

In addition, the Company may be required to submit an interim update to its resolution plan upon a joint determination of the Federal Reserve and the FDIC, or following material mergers or acquisitions or fundamental changes to the Company s resolution strategy.

SEC original ↗Capital One — 10-K Annual report10-KFeb 19, 2026

Risks & headwinds

Forward-Looking Statements Certain statements in this release may constitute forward-looking statements, which involve a number of risks and uncertainties.

SEC original ↗Capital One — Earnings release (8-K exhibit)EX-99Oct 21, 2025

Legal Proceedings 55 Item 4.

SEC original ↗Capital One — 10-K Annual report10-KFeb 19, 2026

Documents

Earnings deck slides

0 decks with slide view

Capital One — Q3 2026 Earnings Release Presentation (Final) (Q3 2026) — Slide view unavailable — the original PDF could not be retrieved for segmentation (HTTP Error 403: Forbidden).

Competitors

Competitors & peers

Named in the company’s own filings

Visa Inc. (V)“Our Credit Card business competes with international, national, regional and local issuers of Visa and Mastercard credit cards, as well as with American Express , private-label card brands and, to a certain extent, issuers of debit cards.”Mastercard (MA)“Our Credit Card business competes with international, national, regional and local issuers of Visa and Mastercard credit cards, as well as with American Express , private-label card brands and, to a certain extent, issuers of debit cards.”American Express (AXP)“Our Credit Card business competes with international, national, regional and local issuers of Visa and Mastercard credit cards, as well as with American Express , private-label card brands and, to a certain extent, issuers of debit cards.”Global Payments (GPN)“As a result of our recent acquisition of the Global Payment Network, we now compete in the global payments industry, both with traditional competitors and new, emerging alternative payment providers.”

Filings

77 documents

Earnings releases

26 documents

Presentations

1 document

Transcripts

0 documents

No transcripts for Capital One are held in this edition of the library.

Mentioned by

5 companies

Other tracked companies whose held documents mention Capital One by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.