Business Segments · Non-interest expense
Credit Card — Non-interest expense
Capital One Financial Credit Card — Non-interest expense increased by 13.6% to $6.15B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 59.8%, from $3.85B to $6.15B. Over 4 years (FY 2021 to FY 2025), Credit Card — Non-interest expense shows an upward trend with a 19.5% 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 may indicate investment in growth or technology, but excessive growth relative to revenue can signal operational inefficiency.
Detailed definition
Operating costs associated with running the credit card segment, including marketing, technology, personnel, and adminis...
Peer comparison
Comparable to non-interest expense or operating expense in bank segment reporting.
Metric ID:
cof_segment_credit_card_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 | $2.26B | $2.42B | $2.80B | $2.78B | $2.77B | $3.00B | $3.07B | $3.04B | $3.02B | $3.02B | $3.42B | $3.23B | $3.13B | $3.37B | $3.85B | $3.64B | $4.45B | $5.41B | $6.15B |
| QoQ Change | — | +7.1% | +15.5% | -0.6% | -0.4% | +8.4% | +2.2% | -1.0% | -0.6% | -0.2% | +13.3% | -5.5% | -2.9% | +7.4% | +14.2% | -5.4% | +22.2% | +21.6% | +13.6% |
| YoY Change | — | — | — | — | +22.4% | +23.9% | +9.6% | +9.2% | +9.0% | +0.4% | +11.3% | +6.3% | +3.8% | +11.7% | +12.6% | +12.7% | +41.9% | +60.6% | +59.8% |
Range$2.26B – $6.15B
CAGR+24.9%
Avg YoY Growth+19.7%
Median YoY Growth+11.7%
Current Streak3 quarters growth
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Frequently Asked Questions
- What is Capital One Financial's credit card — non-interest expense?
- Capital One Financial (COF) reported credit card — non-interest expense of $6.15B in Q4 2025.
- How has Capital One Financial's credit card — non-interest expense changed year-over-year?
- Capital One Financial's credit card — non-interest expense increased by 59.8% year-over-year, from $3.85B to $6.15B.
- What is the long-term trend for Capital One Financial's credit card — non-interest expense?
- Over 4 years (2021 to 2025), Capital One Financial's credit card — non-interest expense has grown at a 19.5% compound annual growth rate (CAGR), from $9.62B to $19.64B.
- What does credit card — non-interest expense mean?
- Operating costs for the credit card segment excluding interest and loan losses.