CAPITAL ONE FINANCIAL CORP
For the period ended Sep 30, 2025. Filed Nov 3, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 3, 2025
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Business Segment Results
Business Segment Financial Performance
Table 8 summarizes our business segment results, which we report based on total net revenue (loss) and net income (loss) from continuing operations, for the third quarter and first nine months of 2025 and 2024.
Table 8: Business Segment Results
| Three Months Ended September 30, | ||||||||
|---|---|---|---|---|---|---|---|---|
| 2025 · 2024 | ||||||||
| Total NetRevenue (Loss)(1) | Net Income(Loss)(2) | Total NetRevenue (Loss)(1) | Net Income(Loss)(2) | |||||
| (Dollars in millions) | Amount | % ofTotal | Amount | % ofTotal | Amount | % ofTotal | Amount | % ofTotal |
| Credit Card | $11,607 | 76% | $2,920 | 91% | $7,252 | 72% | $1,374 | 77% |
| Consumer Banking | 2,832 | 18 | 420 | 13 | 2,210 | 22 | 403 | 23 |
| Commercial Banking(3) | 904 | 6 | 286 | 9 | 888 | 9 | 263 | 15 |
| Other(3) | 16 | — | (433) | (13) | (336) | (3) | (263) | (15) |
| Total | $15,359 | 100% | $3,193 | 100% | $10,014 | 100% | $1,777 | 100% |
| Nine Months Ended September 30, | ||||||||
|---|---|---|---|---|---|---|---|---|
| 2025 · 2024 | ||||||||
| Total NetRevenue (Loss)(1) | Net Income(Loss)(2) | Total NetRevenue (Loss)(1) | Net Income(Loss)(2) | |||||
| (Dollars in millions) | Amount | % ofTotal | Amount | % ofTotal | Amount | % ofTotal | Amount | % ofTotal |
| Credit Card | $27,867 | 74% | $(778) | (233)% | $20,800 | 72% | $2,426 | 66% |
| Consumer Banking | 7,514 | 20 | 1,056 | 316 | 6,577 | 23 | 1,255 | 34 |
| Commercial Banking(3) | 2,725 | 7 | 761 | 228 | 2,648 | 9 | 821 | 22 |
| Other(3) | (255) | (1) | (705) | (211) | (1,103) | (4) | (848) | (22) |
| Total | $37,851 | 100% | $334 | 100% | $28,922 | 100% | $3,654 | 100% |
(1)Total net revenue (loss) consists of net interest income and non-interest income.
(2)Net income (loss) for our business segments and the Other category is based on income (loss) from continuing operations, net of tax.
(3)Some of our commercial investments generate tax-exempt income, tax credits or other tax benefits. Accordingly, we present our Commercial Banking revenue and yields on a taxable-equivalent basis, calculated using the federal statutory tax rate of 21% and state taxes where applicable, with offsetting reductions to the Other category.
| 22 | Capital One Financial Corporation (COF) |
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