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Capital One Financial COF Commercial Banking — Financing Receivable, Credit Loss, Expense (Reversal)

Other segment segments

Credit Card
$2.47B-77.7%
Consumer Banking
$444M+76.2%

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$4.38M-47.6%

Other financials

Income statement

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Revenue$15.9B+26.9%
Net income$3.0B+171%
EPS (diluted)$4.73+155%

Balance sheet

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Cash & equivalents$55.9B-9.3%
Total debt$46.1B-13.7%
Total equity$113.79B+2.6%
Total assets$673.84B+2.3%

Cash flow

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Operating cash flow$8.4B+39.2%
CapEx$367.0M-8.0%
Free cash flow$8.1B+42.5%

Valuation

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Market cap$127.03B-7.3%
Enterprise value$117.21B-9.0%
P/E12.1×
P/S2.1×-1.2×

Profitability

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Net margin17%
FCF margin47.9%+5.2pp

Returns & leverage

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Return on equity9.4%
Debt / equity0.4×-0.1×

Where this comes from

Reported directly by Capital One Financial in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLossesExpensed.

The official record: Capital One Financial’s 10-Q, filed July 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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 $71M in Q2 2026.
How has Capital One Financial's commercial banking — financing receivable, credit loss, expense (reversal) changed year-over-year?
Capital One Financial's commercial banking — financing receivable, credit loss, expense (reversal) decreased by 12.3% year-over-year, from $81M to $71M.
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 -$519M to $287M.
What does commercial banking — financing receivable, credit loss, expense (reversal) mean?
The provision expense set aside to cover expected credit losses on the commercial loan portfolio, or the reversal of such provisions if credit conditions improve. This reflects the segment's assessment of credit risk and the health of the underlying loan book.