CAPITAL ONE FINANCIAL CORP
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COF Q4 2025 request
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Pick an endpoint and run the request.Income Statement
| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases | 15,186 | 10,434 | +45.5% |
| Interest And Dividend Income Securities | 841 | 753 | +11.7% |
| Other Interest And Dividend Income | 660 | 530 | +24.5% |
| Interest And Dividend Income Operating | 16,687 | 11,717 | +42.4% |
| Interest Expense Deposits | 3,493 | 2,862 | +22.0% |
| Interest Expense Secured Debt | 155 | 205 | -24.4% |
| Interest Expense Unsecured Debt | 550 | 540 | +1.9% |
| Interest Expense Other Borrowings | 23 | 12 | +91.7% |
| Interest Expense Operating | 4,221 | 3,619 | +16.6% |
| Interest Income Expense Net | 12,466 | 8,098 | +53.9% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 574 | 587 | -2.2% |
| Consumer Banking · Operating Segments | 2,296 | 1,959 | +17.2% |
| Credit Card · Operating Segments | 9,479 | 5,779 | +64.0% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | 4 | 4 | 0.0% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent · Interest Rate Contract | -213 | -271 | +21.4% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 117 | -227 | +151.5% |
Show Business Acquisition breakouts |
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| Discover | 12,573 | 11,892 | +5.7% |
| Provision For Loan Losses Expensed | 4,142 | 2,642 | +56.8% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 55 | -72 | +176.4% |
| Consumer Banking · Operating Segments | 409 | 328 | +24.7% |
| Credit Card · Operating Segments | 3,678 | 2,384 | +54.3% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 0 | 2 | -100.0% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment · Allowance For Loan And Lease Losses | -48 | -73 | +34.2% |
| Commercial Portfolio Segment · Unfunded Loan Commitment | 7 | 1 | +600.0% |
| Consumer Portfolio Segment · Allowance For Loan And Lease Losses | -409 | 328 | -224.7% |
| Consumer Portfolio Segment · Unfunded Loan Commitment | 0 | 0 | — |
| Credit Card: · Allowance For Loan And Lease Losses | -3,678 | 2,384 | -254.3% |
| 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 | -4,135 | 2,639 | -256.7% |
| Unfunded Loan Commitment | 7 | 1 | +600.0% |
Show Type Of Arrangement breakouts |
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| Loss sharing agreements | 137 | 25 | +448.0% |
| Interest Income Expense After Provision For Loan Loss | 8,324 | 5,456 | +52.6% |
| Interchange Fees Net | 1,930 | 1,260 | +53.2% |
| Service Chargesand Other Customer Related Fees | 833 | 554 | +50.4% |
| Debt And Equity Securities Gain Loss | 0 | 0 | — |
| Noninterest Income Other | 354 | 278 | +27.3% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | -59 | 130 | -145.4% |
| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 0 | -1 | +100.0% |
| Noninterest Income | 3,117 | 2,092 | +49.0% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 356 | 366 | -2.7% |
| Consumer Banking · Operating Segments | 623 | 182 | +242.3% |
| Credit Card · Operating Segments | 2,214 | 1,585 | +39.7% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -76 | -41 | -85.4% |
Show Business Acquisition breakouts |
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| Discover | 3,118 | 3,119 | -0.0% |
| Labor And Related Expense | 3,430 | 2,329 | +47.3% |
| Occupancy Net | 958 | 674 | +42.1% |
| Marketing Expense | 1,934 | 1,375 | +40.7% |
| Professional And Contract Services Expense | 693 | 630 | +10.0% |
| Communications And Information Technology | 482 | 398 | +21.1% |
| Amortization And Impairment Of Intangibles | 525 | 19 | +2663.2% |
| Other Noninterest Expense | 1,320 | 664 | +98.8% |
| Noninterest Expense | 9,342 | 6,089 | +53.4% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 504 | 518 | -2.7% |
| Consumer Banking · Operating Segments | 2,289 | 1,545 | +48.2% |
| Credit Card · Operating Segments | 6,147 | 3,846 | +59.8% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 402 | 180 | +123.3% |
| Income Before Taxes | 2,099 | 1,459 | +43.9% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 371 | 507 | -26.8% |
| Consumer Banking · Operating Segments | 221 | 268 | -17.5% |
| Credit Card · Operating Segments | 1,868 | 1,134 | +64.7% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | -268 | -138 | -94.2% |
| Other: · Reclassification Out Of Accumulated Other Comprehensive Income | -37 | 0 | — |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -361 | -450 | +19.8% |
| Income Tax Expense (Benefit) | 345 | 366 | -5.7% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 89 | 119 | -25.2% |
| Consumer Banking · Operating Segments | 52 | 63 | -17.5% |
| Credit Card · Operating Segments | 445 | 268 | +66.0% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | -65 | -34 | -91.2% |
| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 0 | -1 | +100.0% |
| Other: · Reclassification Out Of Accumulated Other Comprehensive Income | -9 | 0 | — |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -241 | -84 | -186.9% |
| Income Loss From Continuing Operations | 1,754 | 1,093 | +60.5% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 282 | 388 | -27.3% |
| Consumer Banking · Operating Segments | 169 | 205 | -17.6% |
| Credit Card · Operating Segments | 1,423 | 866 | +64.3% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -120 | -366 | +67.2% |
Show Business Acquisition breakouts |
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| Discover | 1,874 | 2,049 | -8.5% |
| Income Loss From Discontinued Operations Net Of Tax Attributable To Reporting Entity | 380 | 3 | +12566.7% |
| Net Income | 2,134 | 1,096 | +94.7% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | -203 | -104 | -95.2% |
| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 0 | 0 | — |
| Other: · Reclassification Out Of Accumulated Other Comprehensive Income | -28 | 0 | — |
Show Reclassification Out Of Accumulated Other Comprehensive Income breakouts |
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| Reclassification Out Of Accumulated Other Comprehensive Income | -231 | -104 | -122.1% |
| Participating Securities Distributedand Undistributed Earnings Lossexcluding Preferred Stock Dividends Basic | -13 | -17 | +23.5% |
| Preferred Stock Dividends Income Statement Impact | -57 | -57 | 0.0% |
| Discount For Preferred Stock Redeemed | 0 | 0 | — |
| Net Income Loss Available To Common Stockholders Basic | 2,064 | 1,022 | +102.0% |
| Income Loss From Continuing Operations Per Basic Share | 3.1 | 2.66 | +16.5% |
| Income Loss From Discontinued Operations Net Of Tax Per Basic Share | 0.7 | 0.01 | +6900.0% |
| EPS (Basic) | 3.8 | 2.67 | +42.3% |
| Income Loss From Continuing Operations Per Diluted Share | 3.1 | 2.66 | +16.5% |
| Income Loss From Discontinued Operations Net Of Tax Per Diluted Share | 0.7 | 0.01 | +6900.0% |
| EPS (Diluted) | 3.8 | 2.67 | +42.3% |
| Revenue | 2,446 | 1,610 | +51.9% |
Show Product Lines breakouts |
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| Interchange fees, net | 1,930 | 1,260 | +53.2% |
| Interchange fees, net · Commercial Banking | 20 | 25 | -20.0% |
| Interchange fees, net · Consumer Banking | 404 | 116 | +248.3% |
| Interchange fees, net · Corporate Non Segment | 0 | 1 | -100.0% |
| Interchange fees, net · Credit Card | 1,506 | 1,118 | +34.7% |
| Other | 237 | 195 | +21.5% |
| Other · Commercial Banking | -3 | 12 | -125.0% |
| Other · Consumer Banking | 59 | 41 | +43.9% |
| Other · Corporate Non Segment | 0 | 0 | — |
| Other · Credit Card | 181 | 142 | +27.5% |
| Service charges and other customer-related fees | 279 | 155 | +80.0% |
| Service charges and other customer-related fees · Commercial Banking | 100 | 133 | -24.8% |
| Service charges and other customer-related fees · Consumer Banking | 152 | 22 | +590.9% |
| Service charges and other customer-related fees · Corporate Non Segment | 3 | 0 | — |
| Service charges and other customer-related fees · Credit Card | 24 | 0 | — |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 117 | 170 | -31.2% |
| Consumer Banking · Operating Segments | 615 | 179 | +243.6% |
| Credit Card · Operating Segments | 1,711 | 1,260 | +35.8% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 3 | 1 | +200.0% |
| Revenue | 15,583 | 10,190 | +52.9% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 930 | 953 | -2.4% |
| Consumer Banking · Operating Segments | 2,919 | 2,141 | +36.3% |
| Credit Card · Operating Segments | 11,693 | 7,364 | +58.8% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 41 | -268 | +115.3% |
| Comprehensive Income | 2,583 | -1,903 | +235.7% |
| Other Comprehensive Income | 449 | -2,999 | +115.0% |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent | -32 | -904 | +96.5% |
| Accumulated Net Unrealized Investment Gain Loss | 439 | -2,047 | +121.4% |
| Accumulated Translation Adjustment | 14 | -54 | +125.9% |
| Other: | 28 | 6 | +366.7% |
| Wtd Avg Shares (Basic) | 30.5 | -0.1 | +30600.0% |
| Wtd Avg Shares (Diluted) | 30.4 | -0.1 | +30500.0% |
| Interest Expense (Q) | — | — | — |
Show Equity Components breakouts |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract | 0 | -1 | +100.0% |
| Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax | -32 | -904 | +96.5% |
Balance Sheet
| Metric | Q4 2025 | Q4 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% |
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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 | YTD Q4 2025 | YTD Q4 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation And Amortization | 1,605 | 814 | +97.2% |
| Deferred Income Taxes | -503 | -352 | -42.9% |
| Gain Loss On Sales Of Loans Net | 1 | 2 | -50.0% |
| Stock-Based Compensation | 200 | 144 | +38.9% |
| Other Non-Cash Items | 10 | 28 | -64.3% |
| Payments For Origination And Purchases Of Loans Held For Sale | -2,054 | -1,085 | -89.3% |
| Proceeds From Sale And Collection Of Loans Heldforsale | 1,967 | 983 | +100.1% |
| Increase Decrease In Accrued Interest Receivable Net | -36 | 45 | -180.0% |
| Increase Decrease In Other Operating Assets | 30 | -1,339 | +102.2% |
| Increase Decrease In Interest Payable Net | 18 | -39 | +146.2% |
| Increase Decrease In Other Operating Liabilities | 730 | -487 | +249.9% |
| Cash Provided By Used In Operating Activities Discontinued Operations | 70 | -4 | +1850.0% |
| Net Cash from Operations | 7,831 | 2,448 | +219.9% |
| Investing Activities | |||
| Purchases of Investments | -5,577 | -5,506 | -1.3% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 4,618 | 3,117 | +48.2% |
| Proceeds From Sale Of Available For Sale Securities Debt | 0 | 0 | — |
| Proceeds From Sale Of Debt Securities Related To Transaction | 0 | 0 | — |
| Payments For Proceeds From Sale Of Financing Receivable Held For Investment | -15,966 | -11,447 | -39.5% |
| Proceeds From Recoveries Of Loan Previously Charged Off | 1,417 | 804 | +76.2% |
| Capital Expenditures | -444 | -356 | -24.7% |
| Payments To Acquire Businesses Net Of Cash Acquired | 0 | 0 | — |
| Other Investing Activities | -657 | -861 | +23.7% |
| Net Cash from Investing | -7,809 | -14,249 | +45.2% |
| Financing Activities | |||
| Increase Decrease In Deposits | 6,977 | 9,169 | -23.9% |
| Proceeds From Issuance Of Secured Debt | 2,040 | 808 | +152.5% |
| Repayments Of Secured Debt | -2,837 | -2,394 | -18.5% |
| Proceedsfrom Issuanceof Unsecured Debtand Long Term F H L B Advances Netof Issuance Cost | 498 | 0 | — |
| Repaymentsof Unsecured Debtand Long Term F H L B Advances | -615 | -1,500 | +59.0% |
| Proceeds From Repayments Of Other Debt | 469 | 48 | +877.1% |
| Proceeds From Issuance Of Common Stock | 105 | 72 | +45.8% |
| Payments Of Dividends Common Stock | -508 | -232 | -119.0% |
| Proceeds From Issuance Of Preferred Stock And Preference Stock | 0 | 0 | — |
| Payments Of Dividends Preferred Stock And Preference Stock | -73 | -57 | -28.1% |
| Payments For Redemption Of Preferred Stock | 0 | 0 | — |
| Share Repurchases | -2,520 | -161 | -1465.2% |
| Proceeds From Stock Plans | 8 | 0 | — |
| Net Cash from Financing | 3,544 | 5,753 | -38.4% |
| Supplemental | |||
| Interest Paid | 4,058 | 3,370 | +20.4% |
| Stock Issued1 | 0 | 0 | — |
| Other Cash Flow | |||
| Net Change in Cash | 3,566 | -6,048 | +159.0% |
| 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.