CAPITAL ONE FINANCIAL CORP
For the period ended Dec 31, 2025. Filed Feb 19, 2026.
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FY2025 · Filed Feb 19, 2026
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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 5 summarizes by segment the carrying value of our loans held for investment, the allowance for credit losses and net loan balance as of December 31, 2025 and 2024.
Table 5: Loans Held for Investment
| December 31, 2025 | December 31, 2024 | |||||
|---|---|---|---|---|---|---|
| (Dollars in millions) | Loans | Allowance | Net Loans | Loans | Allowance | Net Loans |
| Credit Card | $279,570 | $(20,066) | $259,504 | $162,508 | $(12,974) | $149,534 |
| Consumer Banking | 84,790 | (1,892) | 82,898 | 78,092 | (1,884) | 76,208 |
| Commercial Banking | 89,262 | (1,451) | 87,811 | 87,175 | (1,400) | 85,775 |
| Total | $453,622 | $(23,409) | $430,213 | $327,775 | $(16,258) | $311,517 |
Loans held for investment increased by $125.8 billion to $453.6 billion as of December 31, 2025 compared to December 31, 2024 primarily driven by growth in our credit card loan portfolio, including the impact of the Transaction, as well as 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 “Item 8. Financial Statements and Supplementary Data—Note 4—Loans.”
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