CAPITAL ONE FINANCIAL CORP
For the period ended Jun 30, 2026. Filed Jul 28, 2026.
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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.
Jun 30, 2026 · Filed Jul 28, 2026
COF$195.84-1.4%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Income
| Three Months Ended June 30, | Six Months Ended June 30, | |||
|---|---|---|---|---|
| (Dollars in millions, except per share-related data) | 2026 | 2025 | 2026 | 2025 |
| Interest income: | ||||
| Loans, including loans held for sale | $14,911 | $12,449 | $29,646 | $22,606 |
| Investment securities | 850 | 784 | 1,682 | 1,554 |
| Other | 624 | 595 | 1,288 | 1,086 |
| Total interest income | 16,385 | 13,828 | 32,616 | 25,246 |
| Interest expense: | ||||
| Deposits | 3,338 | 3,120 | 6,725 | 5,835 |
| Securitized debt obligations | 117 | 164 | 258 | 340 |
| Senior and subordinated notes | 535 | 535 | 1,067 | 1,040 |
| Other borrowings | 21 | 14 | 47 | 23 |
| Total interest expense | 4,011 | 3,833 | 8,097 | 7,238 |
| Net interest income | 12,374 | 9,995 | 24,519 | 18,008 |
| Provision for credit losses | 2,989 | 11,430 | 7,057 | 13,799 |
| Net interest income (loss) after provision for credit losses | 9,385 | (1,435) | 17,462 | 4,209 |
| Non-interest income: | ||||
| Discount and interchange fees, net | 2,256 | 1,478 | 4,220 | 2,701 |
| Service charges and other customer-related fees | 808 | 658 | 1,617 | 1,167 |
| Other | 412 | 361 | 725 | 616 |
| Total non-interest income | 3,476 | 2,497 | 6,562 | 4,484 |
| Non-interest expense: | ||||
| Salaries and associate benefits | 3,769 | 2,999 | 7,440 | 5,545 |
| Occupancy and equipment | 969 | 737 | 1,836 | 1,352 |
| Marketing | 1,661 | 1,345 | 3,158 | 2,547 |
| Professional services | 667 | 653 | 1,252 | 1,090 |
| Communications and data processing | 489 | 413 | 985 | 812 |
| Amortization of intangibles | 507 | 271 | 999 | 287 |
| Other | 981 | 573 | 1,837 | 1,260 |
| Total non-interest expense | 9,043 | 6,991 | 17,507 | 12,893 |
| Income (loss) from continuing operations before income taxes | 3,818 | (5,929) | 6,517 | (4,200) |
| Income tax provision (benefit) | 798 | (1,666) | 1,316 | (1,341) |
| Income (loss) from continuing operations, net of tax | 3,020 | (4,263) | 5,201 | (2,859) |
| Income (loss) from discontinued operations, net of tax | — | (14) | (7) | (14) |
| Net income (loss) | 3,020 | (4,277) | 5,194 | (2,873) |
| Dividends and undistributed earnings allocated to participating securities | (28) | (4) | (48) | (9) |
| Preferred stock dividends | (57) | (65) | (130) | (122) |
| Discount on redeemed preferred stock | — | 6 | — | 6 |
| Net income (loss) available to common stockholders | $2,935 | $(4,340) | $5,016 | $(2,998) |
| Basic earnings per common share: | ||||
| Net income (loss) from continuing operations | $4.73 | $(8.55) | $8.08 | $(6.71) |
| Net income (loss) from discontinued operations | — | (0.03) | (0.01) | (0.03) |
| Net income (loss) per basic common share | $4.73 | $(8.58) | $8.07 | $(6.74) |
| Diluted earnings per common share: | ||||
| Net income (loss) from continuing operations | $4.73 | $(8.55) | $8.08 | $(6.71) |
| Net income (loss) from discontinued operations | — | (0.03) | (0.01) | (0.03) |
| Net income (loss) per diluted common share | $4.73 | $(8.58) | $8.07 | $(6.74) |
| See Notes to Consolidated Financial Statements. | |
|---|---|
| 72 | Capital One Financial Corporation (COF) |
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