Consumer Banking — Financing Receivable, Credit Loss, Expense (Reversal)
Capital One Financial Consumer Banking — Financing Receivable, Credit Loss, Expense (Reversal) increased by 20.3% to $409.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 24.7%, from $328.00M to $409.00M. Over 4 years (FY 2021 to FY 2025), Consumer Banking — Financing Receivable, Credit Loss, Expense (Reversal) shows an upward trend with a 25.6% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
An increase signals deteriorating credit quality or portfolio growth, while a reversal suggests improved credit performance.
Detailed definition
The provision for credit losses, representing the estimated cost of loans that are expected to become uncollectible. Thi...
Peer comparison
Comparable to 'Provision for Loan Losses' at other banks; a key indicator of credit risk management.
cof_segment_consumer_banking_financing_receivable_credit_loss_expense_reversalHistorical Data
| 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 | -$306.00M | -$91.00M | $0.00 | $130.00M | $281.00M | $285.00M | $477.00M | $275.00M | $259.00M | $213.00M | $422.00M | $426.00M | $330.00M | $351.00M | $328.00M | $301.00M | $252.00M | $340.00M | $409.00M |
| QoQ Change | — | +70.3% | +100.0% | — | +116.2% | +1.4% | +67.4% | -42.3% | -5.8% | -17.8% | +98.1% | +0.9% | -22.5% | +6.4% | -6.6% | -8.2% | -16.3% | +34.9% | +20.3% |
| YoY Change | — | — | — | — | +191.8% | +413.2% | — | +111.5% | -7.8% | -25.3% | -11.5% | +54.9% | +27.4% | +64.8% | -22.3% | -29.3% | -23.6% | -3.1% | +24.7% |
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Frequently Asked Questions
- 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 $409.00M in Q4 2025.
- 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 24.7% year-over-year, from $328.00M to $409.00M.
- 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 -$523.00M to $1.30B.
- What does consumer banking — financing receivable, credit loss, expense (reversal) mean?
- The amount set aside to cover expected losses from loans that may not be repaid.