Business Segments · Financing Receivable, Credit Loss, Expense (Reversal)
Commercial Banking — Financing Receivable, Credit Loss, Expense (Reversal)
Capital One Financial Commercial Banking — Financing Receivable, Credit Loss, Expense (Reversal) increased by 511.1% to $55.00M in Q4 2025 compared to the prior quarter. Over 3 years (FY 2021 to FY 2025), Commercial Banking — Financing Receivable, Credit Loss, Expense (Reversal) shows an upward trend with a -17.9% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityVolatile
First reportedQ1 2018
Last reportedQ4 2025
How to read this metric
A high expense indicates deteriorating credit quality, while a reversal suggests improving portfolio health or conservative prior provisioning.
Detailed definition
The provision expense set aside to cover expected credit losses on the commercial loan portfolio, or the reversal of suc...
Peer comparison
Comparable to 'Provision for Credit Losses' at other banks.
Metric ID:
cof_segment_commercial_banking_financing_receivable_credit_loss_expense_reversalHistorical Data
18 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 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | -$219.00M | -$53.00M | -$44.00M | $8.00M | $222.00M | $123.00M | $62.00M | $259.00M | $146.00M | $116.00M | $84.00M | -$2.00M | $34.00M | $48.00M | $142.00M | $81.00M | $9.00M | $55.00M |
| QoQ Change | — | +75.8% | +17.0% | +118.2% | >999% | -44.6% | -49.6% | +317.7% | -43.6% | -20.5% | -27.6% | -102.4% | >999% | +41.2% | +195.8% | -43.0% | -88.9% | +511.1% |
| YoY Change | — | — | — | — | +201.4% | +332.1% | +240.9% | >999% | -34.2% | -5.7% | +35.5% | -100.8% | -76.7% | -58.6% | >999% | +138.2% | -81.3% | — |
Range-$219.00M – $259.00M
CAGR-27.8%
Avg YoY Growth+840.6%
Median YoY Growth+35.5%
Similar Metrics at Other Companies
Frequently Asked Questions
- What is Capital One Financial's commercial banking — financing receivable, credit loss, expense (reversal)?
- Capital One Financial (COF) reported commercial banking — financing receivable, credit loss, expense (reversal) of $55.00M in Q4 2025.
- What is the long-term trend for Capital One Financial's commercial banking — financing receivable, credit loss, expense (reversal)?
- Over 3 years (2021 to 2025), Capital One Financial's commercial banking — financing receivable, credit loss, expense (reversal) has grown at a -17.9% compound annual growth rate (CAGR), from -$519.00M to $287.00M.
- What does commercial banking — financing receivable, credit loss, expense (reversal) mean?
- The cost of expected loan defaults or the benefit from reversing previous loss estimates.