Business Segments · Non-interest expense
Consumer Banking — Non-interest expense
Capital One Financial Consumer Banking — Non-interest expense increased by 17.9% to $2.29B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 48.2%, from $1.55B to $2.29B. Over 4 years (FY 2021 to FY 2025), Consumer Banking — Non-interest expense shows an upward trend with a 12.4% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityStable
First reportedQ3 2017
Last reportedQ4 2025
How to read this metric
Rising expenses relative to revenue indicate declining operational efficiency.
Detailed definition
Operating costs associated with running the consumer banking segment, including personnel, technology, marketing, and ad...
Peer comparison
Standard metric for evaluating the 'efficiency ratio' of banking segments.
Metric ID:
cof_segment_consumer_banking_non_interest_expenseHistorical Data
19 periods
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $1.12B | $1.19B | $1.29B | $1.24B | $1.29B | $1.34B | $1.45B | $1.28B | $1.23B | $1.26B | $1.40B | $1.25B | $1.25B | $1.33B | $1.55B | $1.58B | $1.71B | $1.94B | $2.29B |
| QoQ Change | — | +5.6% | +8.3% | -3.8% | +4.0% | +4.2% | +8.2% | -11.5% | -4.1% | +2.5% | +11.1% | -11.1% | +0.3% | +6.5% | +16.1% | +2.3% | +8.3% | +13.3% | +17.9% |
| YoY Change | — | — | — | — | +14.5% | +13.0% | +12.8% | +3.8% | -4.3% | -5.8% | -3.3% | -2.9% | +1.5% | +5.5% | +10.2% | +26.9% | +37.0% | +45.8% | +48.2% |
Range$1.12B – $2.29B
CAGR+17.1%
Avg YoY Growth+13.5%
Median YoY Growth+10.2%
Current Streak7 quarters growth
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Frequently Asked Questions
- What is Capital One Financial's consumer banking — non-interest expense?
- Capital One Financial (COF) reported consumer banking — non-interest expense of $2.29B in Q4 2025.
- How has Capital One Financial's consumer banking — non-interest expense changed year-over-year?
- Capital One Financial's consumer banking — non-interest expense increased by 48.2% year-over-year, from $1.55B to $2.29B.
- What is the long-term trend for Capital One Financial's consumer banking — non-interest expense?
- Over 4 years (2021 to 2025), Capital One Financial's consumer banking — non-interest expense has grown at a 12.4% compound annual growth rate (CAGR), from $4.71B to $7.52B.
- What does consumer banking — non-interest expense mean?
- The total operating costs of the business, excluding interest expenses.