Credit Card — Financing Receivable, Credit Loss, Expense (Reversal)
Capital One Financial Credit Card — Financing Receivable, Credit Loss, Expense (Reversal) increased by 55.6% to $3.68B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 54.3%, from $2.38B to $3.68B. Over 3 years (FY 2022 to FY 2025), Credit Card — Financing Receivable, Credit Loss, Expense (Reversal) shows an upward trend with a 64.7% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
Higher expense signals deteriorating credit quality or portfolio growth, while lower expense suggests improved borrower health or conservative provisioning.
Detailed definition
The provision expense set aside to cover expected credit losses on the credit card loan portfolio, adjusted for any reve...
Peer comparison
Comparable to Provision for Credit Losses (PCL) at other financial institutions.
cof_segment_credit_card_financing_receivable_credit_loss_expense_reversalHistorical Data
| Q2 '21 | Q3 '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 | -$635.00M | -$198.00M | $545.00M | $581.00M | $1.26B | $1.88B | $2.26B | $2.08B | $1.95B | $2.35B | $2.26B | $3.55B | $2.08B | $2.38B | $1.93B | $11.10B | $2.36B | $3.68B |
| QoQ Change | — | +68.8% | +375.3% | +6.6% | +117.0% | +48.9% | +20.4% | -7.8% | -6.3% | +20.5% | -4.0% | +56.9% | -41.2% | +14.4% | -19.2% | +476.2% | -78.7% | +55.6% |
| YoY Change | — | — | — | +191.5% | +736.9% | — | +314.9% | +258.7% | +54.9% | +25.3% | -0.1% | +70.1% | +6.7% | +1.3% | -14.7% | +213.1% | +13.4% | +54.3% |
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Frequently Asked Questions
- What is Capital One Financial's credit card — financing receivable, credit loss, expense (reversal)?
- Capital One Financial (COF) reported credit card — financing receivable, credit loss, expense (reversal) of $3.68B in Q4 2025.
- How has Capital One Financial's credit card — financing receivable, credit loss, expense (reversal) changed year-over-year?
- Capital One Financial's credit card — financing receivable, credit loss, expense (reversal) increased by 54.3% year-over-year, from $2.38B to $3.68B.
- What is the long-term trend for Capital One Financial's credit card — financing receivable, credit loss, expense (reversal)?
- Over 3 years (2022 to 2025), Capital One Financial's credit card — financing receivable, credit loss, expense (reversal) has grown at a 64.7% compound annual growth rate (CAGR), from $4.27B to $19.07B.
- What does credit card — financing receivable, credit loss, expense (reversal) mean?
- The cost of expected loan defaults and bad debt within the credit card portfolio.