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CAPITAL ONE FINANCIAL CORPCOF

Sector
Financial Services
Industry
National Commercial Banks
Exchange
NYSE

Stock Price $COF

Latest filings

You are here#18 of 58 in Financials by market cap

Filing record · 2016–202610-K1110-Q328-K410

COF filed 11 annual reports (10-K), 32 quarterly reports (10-Q) and 410 current reports (8-K) between 2016 and 2026.

  1. FY2018 annual report10-K · Feb ’19Feb ’19
  2. Leadership change8-K · Feb ’22Feb ’22
  3. Leadership change8-K · Nov ’25Nov ’25

01—Key figures

Share Class
Source: 10-KFY2025
Source: 10-KFY2025
Source: 10-KFY2025
Source: 10-KFY2025

Revenue Trend

Year-over-year comparison from 10-K annual reports

  18. $53.43B
YoY changeLargest recent move+12.5%in FY22Latest +36.6%

Latest bar from 10-KFY2025Click a bar to open its SEC filing

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All COF Financial Metrics45 metrics

Income Statement10

Balance Sheet16

Cash Flow14

Per Share5

02—Overview

CAPITAL ONE FINANCIAL CORP Financial Overview 2021–2025

Updated Jul 10, 2026

Capital One's total net revenue surged 37% to $53.4 billiona in FY2025, driven by its transformative $51.8 billion acquisition of Discover. This merger fundamentally reshapes the company from a traditional card issuer into a closed-loop global payment network, though integration expenses and heavy loan loss provisions are pressuring near-term profitability.

Total net revenue expanded consistently from $30.4 billion in FY2021 to $53.4 billionb in FY2025. Over that same period, however, net income collapsed from a post-pandemic peak of $12.4 billion down to just $2.5 billion. This earnings erosion reflects severe consumer credit normalization. The net charge-off rate climbed from 1.90% in FY2021 to 3.39% by the close of FY2024, which subsequently forced a staggering $11.4 billion provision for credit losses in Q2 2025 as the company absorbed Discover's legacy loan book.

Despite these bottom-line headwinds, equity markets rewarded the company's newfound scale and its $475.8 billion in total depositsc. At the close of FY2025, Capital One traded at $242.36 per share. Management is aggressively defending this valuation, leveraging a fortress 14.3% Common Equity Tier 1 capital ratio to authorize a new $16 billion share repurchase program.

Recent Developments (Q4 2025 and Q1 2026)

Capital One accelerated its momentum in Q1 2026 by completing its $4.5 billiond acquisition of Brex Inc. to expand its corporate payments footprint. First-quarter total net revenue climbed 52% year-over-year to $15.2 billion. This top-line expansion drove net income up 55% to $2.2 billion, or $3.34 per share, supported by a 345 basis point improvement in the efficiency ratio to 55.57%. To support this growth and optimize debt structuring, the company issued $3.0 billion in senior notes.

Bulls can point to improving operating leverage and early credit stabilization, as the delinquency rate dropped 35 basis points to 3.24%, leaving the stock reasonably priced at 16.6x earnings as of May 7, 2026. Conversely, bears will highlight that the provision for credit losses still spiked 72% year-over-year to $4.1 billione, underscoring lingering portfolio risks.

What to watch: Brex integration costs and commercial synergies; monthly credit card charge-off and delinquency rate trends.

03—Filings

Recent SEC Filings

  1. 8-KCAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Oct 20, 2026)Capital One Financial Corporation (COF) has filed an 8-K report on October 20, 2026, providing an update on its monthly charge-off and delinquency metrics for the period ending September 30, 2026. The filing is furnished under Regulation FD and primarily includes data on credit card and consumer banking (auto loans) segments. Investors should note that this information is not deemed 'filed' for purposes of Section 18 of the Exchange Act, nor is it incorporated into other filings. Key metrics presented include net charge-off rates and 30+ day delinquency rates. For credit cards, the net charge-off rate was 3.66% and the 30+ day performing delinquency rate was 3.74%. For auto loans, the net charge-off rate was 1.62% and the 30+ day performing delinquency rate was 4.64%. These figures offer a snapshot of credit quality within Capital One's loan portfolio as of the end of September 2026.
  2. 8-KCAPITAL ONE FINANCIAL CORP 8-K Report, Financial Results (Oct 20, 2026)Capital One Financial Corporation (COF) reported its third-quarter 2026 financial results, demonstrating a solid increase in net income and earnings per share compared to both the previous quarter and the prior year's third quarter. The company posted a net income of $3.5 billion, or $5.61 per diluted share, a notable improvement driven by increased total net revenue and a decrease in total non-interest expense. Key factors contributing to the positive performance include a robust increase in net interest income and a more favorable provision for credit losses. The integration of Discover continues to progress well, with management highlighting ongoing synergy delivery. The company also reported growth in its loan portfolio, particularly in Consumer Banking (Auto and Retail) and Commercial Banking segments, alongside a slight decrease in total deposits. Capital One maintained a strong capital position, with its Common Equity Tier 1 capital ratio at a healthy 13.8%. The company also returned capital to shareholders through dividends.
  3. 8-KCAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Sep 15, 2026)Capital One Financial Corporation (COF) has filed a Form 8-K to announce its participation in the Barclays 24th Annual Global Financial Services Conference on September 16, 2026. The company's presentation will take place at 12:00 p.m. ET and will be accessible via a live audio webcast on the company's investor relations website. This disclosure is primarily for Regulation FD purposes, ensuring broad public dissemination of material information that may be discussed during the conference.
  4. 8-KCAPITAL ONE FINANCIAL CORP 8-K Report, Corporate Update (Sep 15, 2026)Capital One Financial Corporation (COF) announced the successful closing of a public offering of senior notes totaling €1.5 billion on September 15, 2026. This offering was split into two tranches: €750 million of 4.326% Fixed-to-Floating Rate Senior Notes due 2032 and €750 million of 4.832% Fixed-to-Floating Rate Senior Notes due 2037. These notes were issued under an established indenture framework, with the offering being underwritten by a syndicate of prominent financial institutions including Barclays Bank PLC, Deutsche Bank AG, London Branch, Goldman Sachs & Co. LLC, Morgan Stanley & Co. International plc, and Capital One Securities, Inc. The net proceeds from this offering will provide Capital One with additional capital, likely to support its ongoing business operations, lending activities, and growth strategies. The fixed-to-floating rate structure of the notes suggests a strategy to manage interest rate risk, potentially hedging against future increases in borrowing costs. Investors should note the specific coupon rates and maturity dates to assess the impact on the company's future interest expenses and leverage.
  5. 8-KCAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Sep 15, 2026)Capital One Financial Corporation (COF) has filed an 8-K report on September 15, 2026, primarily to disclose its monthly charge-off and delinquency metrics for the period ending August 31, 2026. This filing provides investors with timely, albeit unaudited, data on the credit performance of the company's loan portfolio, which is a critical indicator of asset quality and potential future credit losses. Investors should pay close attention to these metrics as they can influence market sentiment and the company's stock valuation. The disclosed information is furnished under Regulation FD and is not deemed "filed" for purposes of Section 18 of the Securities Exchange Act. While this means it doesn't carry the same legal weight as a formally filed financial statement, it offers a valuable snapshot of the company's risk profile and operational health in the short term. Investors should monitor trends in charge-offs and delinquencies to assess the effectiveness of Capital One's underwriting and risk management strategies.
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04—See also

Related Companies

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