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

Other segment segments

Credit Card
$2.47B-77.7%
Commercial Banking
$71M-12.3%

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$1.5M-71.6%
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HWBKBank — Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) Including Unfunded Commitments
$90K-64.9%
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RNSTFinancing Receivable, Credit Loss, Expense (Reversals)
$8.08M+70.1%
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OFGBanking — Financing Receivable, Credit Loss, Expense (Reversal)
$22.48M-12.5%
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FUNCCommunity Banking — Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
$879K+34.0%

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 consumer banking — financing receivable, credit loss, expense (reversal)?
Capital One Financial (COF) reported consumer banking — financing receivable, credit loss, expense (reversal) of $444M in Q2 2026.
How has Capital One Financial's consumer banking — financing receivable, credit loss, expense (reversal) changed year-over-year?
Capital One Financial's consumer banking — financing receivable, credit loss, expense (reversal) increased by 76.2% year-over-year, from $252M to $444M.
What is the long-term trend for Capital One Financial's consumer banking — financing receivable, credit loss, expense (reversal)?
Over 4 years (2021 to 2025), Capital One Financial's consumer banking — financing receivable, credit loss, expense (reversal) has grown at a 25.6% compound annual growth rate (CAGR), from -$523M to $1.3B.
What does consumer banking — financing receivable, credit loss, expense (reversal) mean?
The provision for credit losses, representing the estimated cost of loans that are expected to become uncollectible. This reflects the credit quality of the loan portfolio and the bank's risk appetite.