Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It 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. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

Capital One Financial Corporation

Loans, Including Loans Held for Sale

Loans, Including Loans Held for Sale %Chg

Loans, Including Loans Held for Sale Common Size

Investment Securities

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Other

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Other Common Size

Total Interest Income

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Total Interest Income Common Size

Deposits

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Securitized Debt Obligations

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Senior and Subordinated Notes

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Other Borrowings

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Total Interest Expense

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Net Interest Income

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Net Interest Income Common Size

Provision for Credit Losses

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Net Interest Income After Provision for Credit Losses

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Discount and Interchange Fees, Net

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Total Other-Than-Temporary Income

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Less: Portion of Other-Than-Temporary Impairment Recorded in AOCI

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Less: Portion of Other-Than-Temporary Impairment Recorded in AOCI Common Size

Net Other-Than-Temporary Impairment Recognized in Earnings

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Net Other-Than-Temporary Impairment Recognized in Earnings Common Size

Service Charges and Other Customer-Related Fees

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Net Securities Gain

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Total Non-Interest Income

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Salaries and Associate Benefits

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Occupancy and Equipment

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Marketing

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Marketing Common Size

Professional Services

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Professional Services Common Size

Communications and Data Processing

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Communications and Data Processing Common Size

Amortization of Intangibles

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Total Non-Interest Expense

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Income from Continuing Operations Before Income Taxes

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Tax Expense

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Net Income

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Income Tax Provision (Benefit)

Income Tax Provision (Benefit) %Chg

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Income from Continuing Operations, Net of Tax

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Loss from Discontinued Operations, Net of Tax

Non-Interest Income

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Total Revenues Before Provision for Credit Losses

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Total Revenues After Provision for Credit Losses

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Compensation Expenses

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Employee Compensation and Benefits

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Employee Compensation and Benefits Common Size

Selling, General & Administrative Expenses

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Marketing and Business Development

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Marketing and Business Development Common Size

Professional Fees

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Information Processing and Communications

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Other Non-Interest Expenses

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Premises and Equipment

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Other Expense

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Rewards Cost

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Total Operating Expense

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Income Before Provision for Income Taxes

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Provision for Income Taxes

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Consolidated Net Income

Revenue

EBIT

EBITDA

CapEx

Assets

Adjusted EBITDA

Gross Profit

Adjusted Net Income

Net Revenue

Average Assets

Adjusted EBIT

Adjusted Revenue

Adjusted EBT

Adjusted Funds From Operations

Income Statement	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Net Interest Income	12,404	9,995	8,013	8,098	8,076	7,546
Net Interest Income
Non-Interest Income	2,955	2,497	1,987	2,092	1,938	1,960
Total Non-Interest Income
Total Revenues Before Provision for Credit Losses	15,359	12,492	10,000	10,190	10,014	9,506
Total Revenues Before Provision for Credit Losses %Chg	53.4%	31.4%	6.4%	7.2%	6.9%	5.5%
Provision for Credit Losses	2,714	11,430	2,369	2,642	2,482	3,909
Provision for Credit Losses
Total Revenues After Provision for Credit Losses	12,645	1,062	7,631	7,548	7,532	5,597
Compensation Expenses	3,496	2,999	2,546	2,329	2,391	2,200
Salaries and Associate Benefits
Employee Compensation and Benefits
Selling, General & Administrative Expenses	3,376	3,148	2,653	3,077	2,460	2,286
Occupancy and Equipment
Marketing
Professional Services
Communications and Data Processing
Marketing and Business Development
Professional Fees
Information Processing and Communications
Other Non-Interest Expenses	1,391	844	703	683	463	460
Amortization of Intangibles
Other
Premises and Equipment
Other Expense
Rewards Cost
Total Non-Interest Expense	8,263	6,991	5,902	6,089	5,314	4,946
Total Non-Interest Expense
Total Operating Expense
Income Before Provision for Income Taxes	4,382	-5,929	1,729	1,459	2,218	651
Income from Continuing Operations Before Income Taxes
Provision for Income Taxes	1,189	-1,666	325	366	441	54
Income Tax Provision (Benefit)
Tax Expense
Consolidated Net Income	6,385	-8,540	1,404	3,469	3,554	1,194
Income from Continuing Operations, Net of Tax
Net Income
Net Income
Net Income Attributable to Minority Interests and Other	33	—	22	26	28	—
Dividends and Undistributed Earnings Allocated to Participating Securities
Net Income Attributable to Preferred Dividends	73	69	57	48	57	66
Preferred Stock Dividends
Issuance Cost for Redeemed Preferred Stock
Preferred Stock Dividends
Discount on Redeemed Preferred Stock
Discount on Redeemed Preferred Stock
Net Income Attributable to Discontinued Operations	-1	-14	—	3	—	—
Loss from Discontinued Operations, Net of Tax
Net Income Attributable to Common Shareholders	3,086	-4,340	1,325	1,022	1,692	531
Net Income Available to Common Stockholders
Basic EPS	4.8	-8.6	3.5	2.7	4.4	1.4
Diluted EPS	4.8	-8.6	3.5	2.7	4.4	1.4
Basic Weighted Average Shares Outstanding	639	505.6	383.1	382.4	383	383.1
Diluted Weighted Average Shares Outstanding	639.5	505.6	384	383.4	383.7	383.9
Total Shares Outstanding	635.7	639.5	383	381.2	381.5	381.9
Effective Tax Rate	27.1%	28.1%	18.8%	25.1%	19.9%	8.3%