CAPITAL ONE FINANCIAL CORP
For the period ended Dec 31, 2025. Filed Feb 19, 2026.
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FY2025 · Filed Feb 19, 2026
COF$198.58-1.6%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Balance Sheets
| (Dollars in millions, except per share-related data) | December 31, 2025 | December 31, 2024 |
|---|---|---|
| Assets: | ||
| Cash and cash equivalents: | ||
| Cash and due from banks | $3,031 | $3,028 |
| Interest-bearing deposits and other short-term investments | 54,403 | 40,202 |
| Total cash and cash equivalents | 57,434 | 43,230 |
| Restricted cash for securitization investors | 4,659 | 441 |
| Securities available for sale (amortized cost basis of $97.7 billion and $93.0 billion and allowance for credit losses of $3 million and $4 million as of December 31, 2025 and 2024, respectively) | 91,051 | 83,013 |
| Loans held for investment: | ||
| Unsecuritized loans held for investment | 425,665 | 298,241 |
| Loans held in consolidated trusts | 27,957 | 29,534 |
| Total loans held for investment | 453,622 | 327,775 |
| Allowance for credit losses | (23,409) | (16,258) |
| Net loans held for investment | 430,213 | 311,517 |
| Loans held for sale ($755 million and $87 million carried at fair value as of December 31, 2025 and 2024, respectively) | 760 | 202 |
| Premises and equipment, net | 5,602 | 4,511 |
| Interest receivable | 3,492 | 2,532 |
| Goodwill | 28,509 | 15,059 |
| Other intangible assets | 16,578 | 233 |
| Other assets | 30,711 | 29,406 |
| Total assets | $669,009 | $490,144 |
| Liabilities: | ||
| Interest payable | $844 | $666 |
| Deposits: | ||
| Non-interest-bearing deposits | 27,385 | 26,122 |
| Interest-bearing deposits | 448,386 | 336,585 |
| Total deposits | 475,771 | 362,707 |
| Securitized debt obligations | 12,853 | 14,264 |
| Other debt: | ||
| Federal funds purchased and securities loaned or sold under agreements to repurchase | 587 | 562 |
| Senior and subordinated notes | 36,001 | 30,696 |
| Other borrowings | 1,559 | 29 |
| Total other debt | 38,147 | 31,287 |
| Other liabilities | 27,778 | 20,436 |
| Total liabilities | 555,393 | 429,360 |
| Commitments, contingencies and guarantees (see Note 19) | ||
| Stockholders’ equity: | ||
| Preferred stock (par value $0.01 per share; 50,000,000 shares authorized; 4,980,700 and 4,975,000 shares issued and outstanding as of December 31, 2025 and 2024, respectively) | 0 | 0 |
| Common stock (par value $0.01 per share; 1,000,000,000 shares authorized; 708,546,381 and 702,224,674 shares issued as of December 31, 2025 and 2024, respectively; 625,102,271 and 381,230,343 shares outstanding as of December 31, 2025 and 2024, respectively) | 7 | 7 |
| Additional paid-in capital, net | 64,031 | 36,428 |
| Retained earnings | 65,192 | 64,505 |
| Accumulated other comprehensive loss | (5,468) | (9,286) |
| Treasury stock, at cost (par value $0.01 per share; 83,444,110 and 320,994,331 shares as of December 31, 2025 and 2024, respectively) | (10,146) | (30,870) |
| Total stockholders’ equity | 113,616 | 60,784 |
| Total liabilities and stockholders’ equity | $669,009 | $490,144 |
| See Notes to Consolidated Financial Statements. | |
|---|---|
| 147 | Capital One Financial Corporation (COF) |
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