CAPITAL ONE FINANCIAL CORP
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COF FY 2025 request
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/api/financials?ticker=COF&year=2025&quarter=4&full_year_mode=true
Pick an endpoint and run the request.Income Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases | 53,021 | 40,894 | +29.7% |
| Interest And Dividend Income Securities | 3,218 | 2,873 | +12.0% |
| Other Interest And Dividend Income | 2,457 | 2,267 | +8.4% |
| Interest And Dividend Income Operating | 58,696 | 46,034 | +27.5% |
Show Consolidated Entities breakouts |
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| Parent Company | 1,675 | 1,762 | -4.9% |
| Interest Expense Deposits | 12,925 | 11,493 | +12.5% |
| Interest Expense Secured Debt | 660 | 958 | -31.1% |
| Interest Expense Unsecured Debt | 2,172 | 2,333 | -6.9% |
| Interest Expense Other Borrowings | 61 | 42 | +45.2% |
| Interest Expense Operating | 15,818 | 14,826 | +6.7% |
| Interest Income Expense Net | 42,878 | 31,208 | +37.4% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 2,334 | 2,391 | -2.4% |
| Consumer Banking · Operating Segments | 8,758 | 8,023 | +9.2% |
| Credit Card · Operating Segments | 31,822 | 22,088 | +44.1% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | 13 | 11 | +18.2% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent · Interest Rate Contract | -931 | -1,207 | +22.9% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -36 | -1,294 | +97.2% |
Show Business Acquisition breakouts |
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| Discover | 48,908 | 45,475 | +7.5% |
| Provision For Loan Losses Expensed | 20,655 | 11,716 | +76.3% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 287 | 8 | +3487.5% |
| Consumer Banking · Operating Segments | 1,302 | 1,435 | -9.3% |
| Credit Card · Operating Segments | 19,066 | 10,272 | +85.6% |
Show Consolidated Entities breakouts |
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| Parent Company | 0 | 0 | — |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 0 | 1 | -100.0% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment · Allowance For Loan And Lease Losses | -288 | 23 | -1352.2% |
| Commercial Portfolio Segment · Unfunded Loan Commitment | -1 | -15 | +93.3% |
| Consumer Portfolio Segment · Allowance For Loan And Lease Losses | -1,302 | 1,435 | -190.7% |
| Consumer Portfolio Segment · Unfunded Loan Commitment | 0 | 0 | — |
| Credit Card: · Allowance For Loan And Lease Losses | -19,066 | 10,272 | -285.6% |
| Credit Card: · Unfunded Loan Commitment | 0 | 0 | — |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
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| Allowance For Loan And Lease Losses | -20,656 | 11,730 | -276.1% |
| Unfunded Loan Commitment | -1 | -15 | +93.3% |
Show Type Of Arrangement breakouts |
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| Loss sharing agreements | 750 | -100 | +850.0% |
| Interest Income Expense After Provision For Loan Loss | 22,223 | 19,492 | +14.0% |
| Interchange Fees Net | 6,443 | 4,882 | +32.0% |
| Service Chargesand Other Customer Related Fees | 2,849 | 1,976 | +44.2% |
| Debt And Equity Securities Gain Loss | 0 | -35 | +100.0% |
| Noninterest Income Other | 1,264 | 1,081 | +16.9% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | -121 | 129 | -193.8% |
| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 0 | -35 | +100.0% |
| Noninterest Income | 10,556 | 7,904 | +33.6% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 1,321 | 1,210 | +9.2% |
| Consumer Banking · Operating Segments | 1,675 | 695 | +141.0% |
| Credit Card · Operating Segments | 7,738 | 6,076 | +27.4% |
Show Consolidated Entities breakouts |
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| Parent Company | 27 | 100 | -73.0% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -178 | -77 | -131.2% |
Show Business Acquisition breakouts |
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| Discover | 11,515 | 10,946 | +5.2% |
| Labor And Related Expense | 12,471 | 9,398 | +32.7% |
| Occupancy Net | 3,166 | 2,366 | +33.8% |
| Marketing Expense | 5,884 | 4,562 | +29.0% |
| Professional And Contract Services Expense | 2,424 | 1,610 | +50.6% |
| Communications And Information Technology | 1,770 | 1,462 | +21.1% |
| Amortization And Impairment Of Intangibles | 1,326 | 77 | +1622.1% |
| Other Noninterest Expense | 3,457 | 2,011 | +71.9% |
| Noninterest Expense | 30,498 | 21,486 | +41.9% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 1,999 | 2,011 | -0.6% |
| Consumer Banking · Operating Segments | 7,524 | 5,372 | +40.1% |
| Credit Card · Operating Segments | 19,641 | 13,576 | +44.7% |
Show Consolidated Entities breakouts |
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| Parent Company | 381 | 96 | +296.9% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 1,334 | 527 | +153.1% |
| Income Before Taxes | 2,281 | 5,910 | -61.4% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 1,369 | 1,582 | -13.5% |
| Consumer Banking · Operating Segments | 1,607 | 1,911 | -15.9% |
| Credit Card · Operating Segments | 853 | 4,316 | -80.2% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | -1,040 | -1,061 | +2.0% |
| Other: · Reclassification Out Of Accumulated Other Comprehensive Income | -37 | 0 | — |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -1,548 | -1,899 | +18.5% |
| Income Tax Expense (Benefit) | 193 | 1,163 | -83.4% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 326 | 373 | -12.6% |
| Consumer Banking · Operating Segments | 382 | 451 | -15.3% |
| Credit Card · Operating Segments | 208 | 1,024 | -79.7% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | -257 | -259 | +0.8% |
| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 0 | -9 | +100.0% |
| Other: · Reclassification Out Of Accumulated Other Comprehensive Income | -9 | 0 | — |
Show Consolidated Entities breakouts |
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| Parent Company | -122 | -81 | -50.6% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -723 | -685 | -5.5% |
| Income Loss From Continuing Operations | 2,088 | 4,747 | -56.0% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 1,043 | 1,209 | -13.7% |
| Consumer Banking · Operating Segments | 1,225 | 1,460 | -16.1% |
| Credit Card · Operating Segments | 645 | 3,292 | -80.4% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -825 | -1,214 | +32.0% |
Show Business Acquisition breakouts |
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| Discover | 10,243 | 1,688 | +506.8% |
| Income Loss From Discontinued Operations Net Of Tax Attributable To Reporting Entity | 365 | 3 | +12066.7% |
| Net Income | 2,453 | 4,750 | -48.4% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | -783 | -802 | +2.4% |
| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 0 | -26 | +100.0% |
| Other: · Reclassification Out Of Accumulated Other Comprehensive Income | -28 | 0 | — |
Show Consolidated Entities breakouts |
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| Parent Company | 2,453 | 4,750 | -48.4% |
Show Reclassification Out Of Accumulated Other Comprehensive Income breakouts |
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| Reclassification Out Of Accumulated Other Comprehensive Income | -811 | -828 | +2.1% |
| Participating Securities Distributedand Undistributed Earnings Lossexcluding Preferred Stock Dividends Basic | -26 | -77 | +66.2% |
| Preferred Stock Dividends Income Statement Impact | -252 | -228 | -10.5% |
| Discount For Preferred Stock Redeemed | 6 | 0 | — |
| Net Income Loss Available To Common Stockholders Basic | 2,181 | 4,445 | -50.9% |
| Income Loss From Continuing Operations Per Basic Share | 3.36 | 11.6 | -71.0% |
| Income Loss From Discontinued Operations Net Of Tax Per Basic Share | 0.67 | 0.01 | +6600.0% |
| EPS (Basic) | 4.03 | 11.61 | -65.3% |
| Income Loss From Continuing Operations Per Diluted Share | 3.36 | 11.58 | -71.0% |
| Income Loss From Discontinued Operations Net Of Tax Per Diluted Share | 0.67 | 0.01 | +6600.0% |
| EPS (Diluted) | 4.03 | 11.59 | -65.2% |
| Revenue | 8,062 | 5,915 | +36.3% |
Show Product Lines breakouts |
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| Interchange fees, net | 6,443 | 4,882 | +32.0% |
| Interchange fees, net · Commercial Banking | 89 | 106 | -16.0% |
| Interchange fees, net · Consumer Banking | 1,035 | 434 | +138.5% |
| Interchange fees, net · Corporate Non Segment | 0 | 2 | -100.0% |
| Interchange fees, net · Credit Card | 5,319 | 4,340 | +22.6% |
| Other | 762 | 573 | +33.0% |
| Other · Commercial Banking | 6 | 18 | -66.7% |
| Other · Consumer Banking | 213 | 142 | +50.0% |
| Other · Corporate Non Segment | 0 | 0 | — |
| Other · Credit Card | 543 | 413 | +31.5% |
| Service charges and other customer-related fees | 857 | 460 | +86.3% |
| Service charges and other customer-related fees · Commercial Banking | 378 | 372 | +1.6% |
| Service charges and other customer-related fees · Consumer Banking | 394 | 88 | +347.7% |
| Service charges and other customer-related fees · Corporate Non Segment | 4 | 0 | — |
| Service charges and other customer-related fees · Credit Card | 81 | 0 | — |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 473 | 496 | -4.6% |
| Consumer Banking · Operating Segments | 1,642 | 664 | +147.3% |
| Credit Card · Operating Segments | 5,943 | 4,753 | +25.0% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 4 | 2 | +100.0% |
| Revenue | 53,434 | 39,112 | +36.6% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 3,655 | 3,601 | +1.5% |
| Consumer Banking · Operating Segments | 10,433 | 8,718 | +19.7% |
| Credit Card · Operating Segments | 39,560 | 28,164 | +40.5% |
Show Consolidated Entities breakouts |
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| Parent Company | 9,152 | 3,362 | +172.2% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -214 | -1,371 | +84.4% |
| Total Costs & Expenses (FY) | — | — | — |
Show Consolidated Entities breakouts |
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| Parent Company | 2,460 | 2,399 | +2.5% |
| Operating Expenses (FY) | — | — | — |
Show Loss Contingencies By Nature Of Contingency breakouts |
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| FDIC Special Assessment | 289 | — | — |
| Comprehensive Income | 6,271 | 3,732 | +68.0% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | 3,818 | -1,018 | +475.0% |
| Retained Earnings | 2,453 | 4,750 | -48.4% |
| Other Comprehensive Income | 3,818 | -1,018 | +475.0% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent | 1,179 | -227 | +619.4% |
| Accumulated Net Unrealized Investment Gain Loss | 2,533 | -775 | +426.8% |
| Accumulated Translation Adjustment | 78 | -23 | +439.1% |
| Other: | 28 | 7 | +300.0% |
| Wtd Avg Shares (Basic) | 540.7 | 382.7 | +41.3% |
| Wtd Avg Shares (Diluted) | 541.3 | 383.6 | +41.1% |
| Interest Expense (FY) | — | — | — |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | -1 | 6 | -116.7% |
Show Consolidated Entities breakouts |
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| Parent Company | 2,079 | 2,303 | -9.7% |
| Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax | 1,179 | -227 | +619.4% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Property, Plant & Equipment | 5,602 | 4,511 | +24.2% |
| Goodwill | 28,509 | 15,059 | +89.3% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 5,054 | 5,054 | 0.0% |
| Consumer Banking · Operating Segments | 11,540 | 4,645 | +148.4% |
| Credit Card · Operating Segments | 11,915 | 5,360 | +122.3% |
Show Business Acquisition breakouts |
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| Discover | 13.4 | — | — |
| Total Assets | 669,009 | 490,144 | +36.5% |
Show Financial Instrument breakouts |
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| Collateralized Auto Loans · Variable Interest Entity Not Primary Beneficiary | 0 | 0 | — |
| Collateralized Auto Loans · Variable Interest Entity Primary Beneficiary | 3,451 | 4,100 | -15.8% |
| Credit Card Receivables · Variable Interest Entity Not Primary Beneficiary | 0 | 0 | — |
| Credit Card Receivables · Variable Interest Entity Primary Beneficiary | 28,208 | 24,753 | +14.0% |
| Total securitization-related VIEs · Variable Interest Entity Not Primary Beneficiary | 0 | 0 | — |
| Total securitization-related VIEs · Variable Interest Entity Primary Beneficiary | 31,659 | 28,853 | +9.7% |
Show Consolidated Entities breakouts |
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| Parent Company | 148,459 | 91,439 | +62.4% |
| Variable Interest Entity Not Primary Beneficiary | 7,922 | 6,418 | +23.4% |
| Variable Interest Entity Not Primary Beneficiary · Affordable housing entities | 6,485 | 5,544 | +17.0% |
| Variable Interest Entity Not Primary Beneficiary · Entities that provide capital to low-income and rural communities | 48 | 0 | — |
| Variable Interest Entity Not Primary Beneficiary · Other Investments | 1,389 | 874 | +58.9% |
| Variable Interest Entity Not Primary Beneficiary · Total other VIEs | 7,922 | 6,418 | +23.4% |
| Variable Interest Entity Primary Beneficiary | 35,070 | 31,812 | +10.2% |
| Variable Interest Entity Primary Beneficiary · Affordable housing entities | 469 | 354 | +32.5% |
| Variable Interest Entity Primary Beneficiary · Entities that provide capital to low-income and rural communities | 2,942 | 2,605 | +12.9% |
| Variable Interest Entity Primary Beneficiary · Other Investments | 0 | 0 | — |
| Variable Interest Entity Primary Beneficiary · Total other VIEs | 3,411 | 2,959 | +15.3% |
| Operating Lease Right-of-Use Assets | 977 | 974 | +0.3% |
| Intangible Assets | 11,600 | 225 | +5055.6% |
Show Finite Lived Intangible Assets By Major Class breakouts |
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| Core Deposits | 975 | — | — |
| Customer Relationships | 9,195 | 205 | +4385.4% |
| Network and financial partner relationships | 1,416 | — | — |
| Other Intangible Assets | 14 | 20 | -30.0% |
| Other Assets | |||
| Cash And Due From Banks | 3,031 | 3,028 | +0.1% |
| Restricted Cash And Cash Equivalents | 4,659 | 441 | +956.5% |
| Debt Securities Available For Sale Excluding Accrued Interest | 91,051 | 83,013 | +9.7% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 · Commercial Mortgage Backed Securities | 0 | 0 | — |
| Fair Value Inputs Level1 · Fair Value Measurements Recurring | 10,147 | 6,233 | +62.8% |
| Fair Value Inputs Level1 · Other Debt Securities | 134 | 123 | +8.9% |
| Fair Value Inputs Level1 · Residential Mortgage Backed Securities | 0 | 0 | — |
| Fair Value Inputs Level1 · US Treasury Securities | 10,013 | 6,110 | +63.9% |
| Fair Value Inputs Level2 · Commercial Mortgage Backed Securities | 7,870 | 7,823 | +0.6% |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 80,756 | 76,662 | +5.3% |
| Fair Value Inputs Level2 · Other Debt Securities | 3,284 | 3,627 | -9.5% |
| Fair Value Inputs Level2 · Residential Mortgage Backed Securities | 69,602 | 65,212 | +6.7% |
| Fair Value Inputs Level2 · US Treasury Securities | 0 | 0 | — |
| Fair Value Inputs Level3 · Commercial Mortgage Backed Securities | 22 | 2 | +1000.0% |
| Fair Value Inputs Level3 · Fair Value Measurements Recurring | 148 | 118 | +25.4% |
| Fair Value Inputs Level3 · Other Debt Securities | 0 | 0 | — |
| Fair Value Inputs Level3 · Residential Mortgage Backed Securities | 126 | 116 | +8.6% |
| Fair Value Inputs Level3 · US Treasury Securities | 0 | 0 | — |
Show Financial Instrument breakouts |
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| Agency CMBS | 7,892 | 7,825 | +0.9% |
| Asset Backed Securities | 1.9 | 2 | -5.0% |
| Commercial Mortgage Backed Securities · Fair Value Measurements Recurring | 7,892 | 7,825 | +0.9% |
| Other Debt Securities | 3,418 | 3,750 | -8.9% |
| Other Debt Securities · Fair Value Measurements Recurring | 3,418 | 3,750 | -8.9% |
| Residential Mortgage Backed Securities | 69,728 | 65,328 | +6.7% |
| Residential Mortgage Backed Securities · Fair Value Measurements Recurring | 69,728 | 65,328 | +6.7% |
| RMBS, Agency | 69,141 | 64,707 | +6.9% |
| RMBS, Non-agency | 587 | 621 | -5.5% |
| US Treasury Securities | 10,013 | 6,110 | +63.9% |
| US Treasury Securities · Fair Value Measurements Recurring | 10,013 | 6,110 | +63.9% |
Show Fair Value By Measurement Frequency breakouts |
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| Fair Value Measurements Recurring | 91,051 | 83,013 | +9.7% |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 453,622 | 327,775 | +38.4% |
Show Financial Instrument breakouts |
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| Personal loans · Credit Card: | 9,499 | — | — |
Show Consolidated Entities breakouts |
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| Parent Company | 425,665 | 298,241 | +42.7% |
| Variable Interest Entity Primary Beneficiary | 27,957 | 29,534 | -5.3% |
Show Credit Score Fico breakouts |
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| 620 or below · Consumer Portfolio Segment | 25,431 | 20,878 | +21.8% |
| 621-660 · Consumer Portfolio Segment | 15,885 | 14,870 | +6.8% |
| Greater than 660 · Consumer Portfolio Segment | 42,284 | 41,081 | +2.9% |
Show Financial Instrument Performance Status breakouts |
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| Nonperforming Financing Receivable · Commercial Portfolio Segment | 892 | 701 | +27.2% |
| Nonperforming Financing Receivable · Commercial Portfolio Segment | 320 | 509 | -37.1% |
| Performing Financing Receivable · Commercial Portfolio Segment | 2,317 | 3,140 | -26.2% |
| Performing Financing Receivable · Commercial Portfolio Segment | 1,860 | 2,394 | -22.3% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | 89,262 | 87,175 | +2.4% |
| Commercial Portfolio Segment · Commercial and industrial | 55,644 | 55,272 | +0.7% |
| Commercial Portfolio Segment · Commercial and industrial | 52,435 | 51,431 | +2.0% |
| Commercial Portfolio Segment · Commercial and multifamily real estate | 33,618 | 31,903 | +5.4% |
| Commercial Portfolio Segment · Commercial and multifamily real estate | 31,438 | 29,000 | +8.4% |
| Consumer Portfolio Segment | 84,790 | 78,092 | +8.6% |
| Consumer Portfolio Segment · Automobile Loan | 83,600 | 76,829 | +8.8% |
| Consumer Portfolio Segment · Retail banking | 1,190 | 1,263 | -5.8% |
| Consumer Portfolio Segment · Retail banking | 1,171 | 1,237 | -5.3% |
| Consumer Portfolio Segment · Retail banking | 12 | 13 | -7.7% |
| Consumer Portfolio Segment · Retail banking | 2 | 3 | -33.3% |
| Consumer Portfolio Segment · Retail banking | 5 | 10 | -50.0% |
| Credit Card: | 279,570 | 162,508 | +72.0% |
| Credit Card: · Current | 251,932 | 148,565 | +69.6% |
| Credit Card: · Current | 7,304 | 6,570 | +11.2% |
| Credit Card: · Financing Receivables Equal To Greater Than90 Days Past Due | 5,148 | 3,577 | +43.9% |
| Credit Card: · Financing Receivables Equal To Greater Than90 Days Past Due | 164 | 141 | +16.3% |
| Credit Card: · Financing Receivables30 To59 Days Past Due | 3,015 | 1,973 | +52.8% |
| Credit Card: · Financing Receivables30 To59 Days Past Due | 117 | 107 | +9.3% |
| Credit Card: · Financing Receivables60 To89 Days Past Due | 2,308 | 1,503 | +53.6% |
| Credit Card: · Financing Receivables60 To89 Days Past Due | 83 | 72 | +15.3% |
| Credit Card: · Geographic Distribution Domestic | 262,403 | 155,618 | +68.6% |
| Credit Card: · Geographic Distribution Foreign | 7,668 | 6,890 | +11.3% |
| Personal loans—Delinquency status: | 9,499 | — | — |
| Personal loans—Delinquency status: · Current | 9,325 | — | — |
| Personal loans—Delinquency status: · Financing Receivables Equal To Greater Than90 Days Past Due | 49 | — | — |
| Personal loans—Delinquency status: · Financing Receivables30 To59 Days Past Due | 72 | — | — |
| Personal loans—Delinquency status: · Financing Receivables60 To89 Days Past Due | 53 | — | — |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -23,409 | -16,258 | -44.0% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment · Allowance For Loan And Lease Losses | -1,451 | -1,400 | -3.6% |
| Commercial Portfolio Segment · Combined allowance and reserve | -1,593 | -1,543 | -3.2% |
| Commercial Portfolio Segment · Unfunded Loan Commitment | -142 | -143 | +0.7% |
| Consumer Portfolio Segment · Allowance For Loan And Lease Losses | -1,892 | -1,884 | -0.4% |
| Consumer Portfolio Segment · Combined allowance and reserve | -1,892 | -1,884 | -0.4% |
| Consumer Portfolio Segment · Unfunded Loan Commitment | 0 | 0 | — |
| Credit Card: · Allowance For Loan And Lease Losses | -20,066 | -12,974 | -54.7% |
| Credit Card: · Combined allowance and reserve | -20,066 | -12,974 | -54.7% |
| Credit Card: · Unfunded Loan Commitment | 0 | 0 | — |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
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| Allowance For Loan And Lease Losses | -23.4 | -16,258 | +99.9% |
| Combined allowance and reserve | -23,551 | -16,401 | -43.6% |
| Unfunded Loan Commitment | -142 | -143 | +0.7% |
| Notes Receivable Net | 430,213 | 311,517 | +38.1% |
Show Counterparty Name breakouts |
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| Federal Home Loan banks | 6.6 | 6.7 | -1.5% |
| Federal Reserve Discount Window | 91.6 | 80.2 | +14.2% |
| Loans Receivable Held For Sale Net Not Part Of Disposal Group | 760 | 202 | +276.2% |
| Interest Receivable | 3,492 | 2,532 | +37.9% |
| Intangible Assets Net Excluding Goodwill | 16,578 | 233 | +7015.0% |
| Other Assets | 30,711 | 29,406 | +4.4% |
Show Consolidated Entities breakouts |
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| Parent Company | 7,966 | 2,537 | +214.0% |
| Non-Current Liabilities | |||
| Interest Payable Current And Noncurrent | 844 | 666 | +26.7% |
| Total Liabilities | 555,393 | 429,360 | +29.4% |
Show Financial Instrument breakouts |
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| Collateralized Auto Loans · Variable Interest Entity Not Primary Beneficiary | 0 | 0 | — |
| Collateralized Auto Loans · Variable Interest Entity Primary Beneficiary | 2,622 | 3,204 | -18.2% |
| Credit Card Receivables · Variable Interest Entity Not Primary Beneficiary | 0 | 0 | — |
| Credit Card Receivables · Variable Interest Entity Primary Beneficiary | 10,478 | 11,500 | -8.9% |
| Total securitization-related VIEs · Variable Interest Entity Not Primary Beneficiary | 0 | 0 | — |
| Total securitization-related VIEs · Variable Interest Entity Primary Beneficiary | 13,100 | 14,704 | -10.9% |
Show Consolidated Entities breakouts |
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| Parent Company | 34,843 | 30,655 | +13.7% |
| Variable Interest Entity Not Primary Beneficiary | 2,382 | 1,987 | +19.9% |
| Variable Interest Entity Not Primary Beneficiary · Affordable housing entities | 2,204 | 1,877 | +17.4% |
| Variable Interest Entity Not Primary Beneficiary · Entities that provide capital to low-income and rural communities | 24 | 0 | — |
| Variable Interest Entity Not Primary Beneficiary · Other Investments | 154 | 110 | +40.0% |
| Variable Interest Entity Not Primary Beneficiary · Total other VIEs | 2,382 | 1,987 | +19.9% |
| Variable Interest Entity Primary Beneficiary | 13,277 | 14,788 | -10.2% |
| Variable Interest Entity Primary Beneficiary · Affordable housing entities | 167 | 75 | +122.7% |
| Variable Interest Entity Primary Beneficiary · Entities that provide capital to low-income and rural communities | 10 | 9 | +11.1% |
| Variable Interest Entity Primary Beneficiary · Other Investments | 0 | 0 | — |
| Variable Interest Entity Primary Beneficiary · Total other VIEs | 177 | 84 | +110.7% |
| Long-Term Debt (Q) | — | — | — |
Show Debt Instrument breakouts |
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| Fixed unsecured senior debt · Senior Notes | 31,335 | 26,930 | +16.4% |
| Fixed unsecured subordinated debt · Subordinated Debt | 4,666 | 3,766 | +23.9% |
Show Long-Term Debt Type breakouts |
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| FHLB advances | 1,037 | 0 | — |
| Finance lease liabilities | 22 | 29 | -24.1% |
| Other borrowings | 1,559 | — | — |
| Secured Debt | 12,853 | 14,264 | -9.9% |
| Senior and subordinated notes | 36,001 | 30,696 | +17.3% |
| Total other long-term borrowings | 1,059 | 29 | +3551.7% |
| Other Liabilities | |||
| Interest Bearing Deposits In Banks | 54,403 | 40,202 | +35.3% |
| Noninterest Bearing Deposit Liabilities | 27,385 | 26,122 | +4.8% |
| Interest Bearing Deposit Liabilities | 448,386 | 336,585 | +33.2% |
| Deposits | 475,771 | 362,707 | +31.2% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 31,250 | 31,691 | -1.4% |
| Consumer Banking · Operating Segments | 423,932 | 318,329 | +33.2% |
| Credit Card · Operating Segments | 0 | 0 | — |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 20,589 | 12,687 | +62.3% |
| Secured Debt | 12,853 | 14,264 | -9.9% |
| Federal Funds Purchased And Securities Sold Under Agreements To Repurchase | 587 | 562 | +4.4% |
| Unsecured Debt | 36,001 | 30,696 | +17.3% |
Show Consolidated Entities breakouts |
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| Parent Company | 32,729 | 30,247 | +8.2% |
Show Currency breakouts |
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| EUR | 544 | 473 | +15.0% |
| Other Borrowings | 1,559 | 29 | +5275.9% |
| Debt Excluding Secured Debt | 38,147 | 31,287 | +21.9% |
| Other Liabilities | 27,778 | 20,436 | +35.9% |
Show Consolidated Entities breakouts |
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| Parent Company | 2,114 | 408 | +418.1% |
| Stockholders' Equity | |||
| Preferred Stock Value | 0 | 0 | — |
| Common Stock | 7 | 7 | 0.0% |
| Additional Paid-In Capital | 64,031 | 36,428 | +75.8% |
| Retained Earnings | 65,192 | 64,505 | +1.1% |
| Accumulated Other Comprehensive Income | -5,468 | -9,286 | +41.1% |
| Treasury Stock Common Value | -10,146 | -30,870 | +67.1% |
| Total Stockholders' Equity | 113,616 | 60,784 | +86.9% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent | -541 | -1,720 | +68.5% |
| Accumulated Net Unrealized Investment Gain Loss | -5,011 | -7,544 | +33.6% |
| Accumulated Other Comprehensive Income | -5,468 | -9,286 | +41.1% |
| Accumulated Translation Adjustment | 81 | 3 | +2600.0% |
| Additional Paid In Capital | 64,031 | 36,428 | +75.8% |
| Common Stock | 7 | 7 | 0.0% |
| Other: | 3 | -25 | +112.0% |
| Preferred Stock | 0 | 0 | — |
| Retained Earnings | 65,192 | 64,505 | +1.1% |
| Treasury Stock Common | -10,146 | -30,870 | +67.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 113,616 | 60,784 | +86.9% |
| Total Liabilities & Equity | 669,009 | 490,144 | +36.5% |
Show Consolidated Entities breakouts |
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| Parent Company | 148,459 | 91,439 | +62.4% |
| Cash Cash Equivalents And Federal Funds Sold | 57,434 | 43,230 | +32.9% |
Show Consolidated Entities breakouts |
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| Parent Company | 28,853 | 22,630 | +27.5% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation And Amortization | 5,260 | 3,237 | +62.5% |
| Deferred Income Taxes | -1,907 | -853 | -123.6% |
| Gain Loss On Sales Of Loans Net | 3 | 29 | -89.7% |
| Discontinued Operation Gain Loss On Disposal Of Discontinued Operation Net Of Tax | 483 | 0 | — |
| Stock-Based Compensation | 776 | 569 | +36.4% |
Show Consolidated Entities breakouts |
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| Parent Company | 776 | 555 | +39.8% |
| Other Non-Cash Items | 111 | 65 | +70.8% |
| Payments For Origination And Purchases Of Loans Held For Sale | -5,741 | -3,688 | -55.7% |
| Proceeds From Sale And Collection Of Loans Heldforsale | 5,231 | 3,870 | +35.2% |
| Increase Decrease In Accrued Interest Receivable Net | -34 | -54 | +37.0% |
| Increase Decrease In Other Operating Assets | -610 | -426 | -43.2% |
| Increase Decrease In Interest Payable Net | -169 | 17 | -1094.1% |
| Increase Decrease In Other Operating Liabilities | 2,089 | -1,104 | +289.2% |
| Cash Provided By Used In Operating Activities Discontinued Operations | 84 | -4 | +2200.0% |
| Net Cash from Operations | 27,718 | 18,159 | +52.6% |
Show Consolidated Entities breakouts |
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| Parent Company | 8,020 | 1,540 | +420.8% |
| Investing Activities | |||
| Purchases of Investments | -18,162 | -17,183 | -5.7% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 17,905 | 11,849 | +51.1% |
| Proceeds From Sale Of Available For Sale Securities Debt | 1 | 175 | -99.4% |
| Proceeds From Sale Of Debt Securities Related To Transaction | 9,696 | 0 | — |
| Payments For Proceeds From Sale Of Financing Receivable Held For Investment | -36,815 | -21,431 | -71.8% |
| Proceeds From Recoveries Of Loan Previously Charged Off | 5,064 | 3,001 | +68.7% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment · Allowance For Loan And Lease Losses | 0 | — | — |
| Consumer Portfolio Segment · Allowance For Loan And Lease Losses | 0 | — | — |
| Credit Card: · Allowance For Loan And Lease Losses | 3,305 | — | — |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
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| Allowance For Loan And Lease Losses | 3,305 | — | — |
| Capital Expenditures | -1,578 | -1,204 | -31.1% |
| Payments To Acquire Businesses Net Of Cash Acquired | 16,465 | 0 | — |
| Proceeds From Divestiture Of Businesses | 8,800 | 0 | — |
| Other Investing Activities | -1,820 | -1,617 | -12.6% |
| Net Cash from Investing | -444 | -26,410 | +98.3% |
Show Consolidated Entities breakouts |
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| Parent Company | 5,969 | -2,564 | +332.8% |
| Financing Activities | |||
| Increase Decrease In Deposits | 5,931 | 14,156 | -58.1% |
| Proceeds From Issuance Of Secured Debt | 3,535 | 1,805 | +95.8% |
| Repayments Of Secured Debt | -10,934 | -5,828 | -87.6% |
| Proceedsfrom Issuanceof Unsecured Debtand Long Term F H L B Advances Netof Issuance Cost | 4,979 | 3,985 | +24.9% |
| Repaymentsof Unsecured Debtand Long Term F H L B Advances | -6,922 | -4,411 | -56.9% |
| Proceeds From Repayments Of Other Debt | 517 | 27 | +1814.8% |
| Proceeds From Issuance Of Common Stock | 400 | 323 | +23.8% |
Show Consolidated Entities breakouts |
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| Parent Company | 400 | 323 | +23.8% |
| Payments Of Dividends Common Stock | -1,516 | -932 | -62.7% |
Show Consolidated Entities breakouts |
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| Parent Company | -1,516 | -932 | -62.7% |
| Proceeds From Issuance Of Preferred Stock And Preference Stock | 0 | 0 | — |
| Payments Of Dividends Preferred Stock And Preference Stock | -252 | -228 | -10.5% |
Show Consolidated Entities breakouts |
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| Parent Company | -252 | -228 | -10.5% |
| Payments For Redemption Of Preferred Stock | -500 | 0 | — |
Show Consolidated Entities breakouts |
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| Parent Company | -500 | 0 | — |
| Share Repurchases | -4,099 | -734 | -458.4% |
Show Consolidated Entities breakouts |
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| Parent Company | -4,099 | -734 | -458.4% |
| Proceeds From Stock Plans | 9 | 4 | +125.0% |
Show Consolidated Entities breakouts |
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| Parent Company | 9 | 4 | +125.0% |
| Net Cash from Financing | -8,852 | 8,167 | -208.4% |
Show Consolidated Entities breakouts |
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| Parent Company | -7,766 | -1,993 | -289.7% |
| Supplemental | |||
| Interest Paid | 14,886 | 13,201 | +12.8% |
| Income Tax Paid Federal After Refund Received | 358 | 700 | -48.9% |
| Income Tax Paid State And Local After Refund Received | 382 | 364 | +4.9% |
Show Income Tax Authority breakouts |
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| CA | 95 | 40 | +137.5% |
| NY | 55 | 57 | -3.5% |
| State And Local Tax Jurisdiction Other | 232 | 267 | -13.1% |
| Income Tax Paid Foreign After Refund Received | 66 | 41 | +61.0% |
| Income Taxes Paid | 806 | 1,105 | -27.1% |
| Cash Paid For Income Tax Credits | 256 | 191 | +34.0% |
| Stock Issued1 | 51,790 | 0 | — |
| Other Cash Flow | |||
| Net Change in Cash | 18,422 | -84 | +22031.0% |
Show Consolidated Entities breakouts |
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| Parent Company | 6,223 | -3,017 | +306.3% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 62,093 | 43,671 | +42.2% |
Show Consolidated Entities breakouts |
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| Parent Company | 28,853 | 22,630 | +27.5% |
Values in millions USD. Source: SEC EDGAR 10-K filing.