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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Loans Held for Investment
Total loans held for investment consists of both unsecuritized loans and loans held in our consolidated trusts. Table 6 summarizes, by portfolio segment, the carrying value of our loans held for investment, the allowance for credit losses and net loan balance as of September 30, 2025 and December 31, 2024.
Table 6: Loans Held for Investment
| September 30, 2025 | December 31, 2024 | |||||
|---|---|---|---|---|---|---|
| (Dollars in millions) | Loans | Allowance | Net Loans | Loans | Allowance | Net Loans |
| Credit Card | $271,037 | $(19,727) | $251,310 | $162,508 | $(12,974) | $149,534 |
| Consumer Banking | 83,230 | (1,878) | 81,352 | 78,092 | (1,884) | 76,208 |
| Commercial Banking | 88,892 | (1,498) | 87,394 | 87,175 | (1,400) | 85,775 |
| Total | $443,159 | $(23,103) | $420,056 | $327,775 | $(16,258) | $311,517 |
Loans held for investment increased by $115.4 billion to $443.2 billion as of September 30, 2025 compared to December 31, 2024 primarily driven by the Transaction and growth in our auto loan portfolio. The Transaction contributed $108.2 billion of loans held for investment as of the Closing Date.
We provide additional information on the composition of our loan portfolio and credit quality in “Credit Risk Profile,” “Consolidated Results of Operations” and “Part I—Item 1. Financial Statements—Note 4—Loans.”
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