What is Capital One Financial's consumer banking — interest income expense net?

Capital One Financial (COF) reported consumer banking — interest income expense net of $2.23B in Q1 2026.

How has Capital One Financial's consumer banking — interest income expense net changed year-over-year?

Capital One Financial's consumer banking — interest income expense net increased by 14.7% year-over-year, from $1.94B to $2.23B.

What does consumer banking — interest income expense net mean?

The net profit generated by the consumer banking segment from interest-earning assets after accounting for interest paid on liabilities.

Discontinued — last reported Q1 '26

Business Segments · Interest Income Expense Net

Consumer Banking — Interest Income Expense Net

Capital One Financial Consumer Banking — Interest Income Expense Net decreased by 5.4% to $2.23B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 14.7%, from $1.94B to $2.23B. This decline may warrant attention — for this metric, higher values are generally preferred.

Analysis

StatementSegment

CategoryProfitability

SignalHigher is better

VolatilityModerate

First reportedQ1 2016

Last reportedQ1 2026

Rolls up toNet Interest Income

How to read this metric

An increase indicates improved net interest margins or growth in interest-earning assets, while a decrease suggests margin compression or reduced lending activity.

Detailed definition

This metric represents the difference between the interest income generated from consumer banking assets, such as auto l...

Peer comparison

Standard across all retail banking institutions as Net Interest Income (NII).

Metric ID: cof_segment_consumer_banking_interest_income_expense_net

Historical Data

15 periods

	Q2 '21	Q3 '21	Q1 '22	Q2 '22	Q3 '22	Q1 '23	Q2 '23	Q3 '23	Q1 '24	Q2 '24	Q3 '24	Q1 '25	Q2 '25	Q3 '25	Q1 '26
Value	$2.10B	$2.16B	$2.11B	$2.15B	$2.31B	$2.36B	$2.27B	$2.13B	$2.01B	$2.03B	$2.03B	$1.94B	$2.16B	$2.36B	$2.23B
QoQ Change	—	+2.8%	-2.1%	+1.6%	+7.6%	+2.1%	-3.9%	-6.0%	-5.7%	+0.7%	+0.1%	-4.2%	+11.3%	+9.0%	-5.4%
YoY Change	—	—	—	+2.2%	+7.0%	+11.7%	+5.7%	-7.7%	-14.8%	-10.8%	-4.9%	-3.4%	+6.8%	+16.2%	+14.7%

Range$1.94B – $2.36B

CAGR+1.7%

Avg YoY Growth+1.9%

Median YoY Growth+3.9%

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Frequently Asked Questions

What is Capital One Financial's consumer banking — interest income expense net?: Capital One Financial (COF) reported consumer banking — interest income expense net of $2.23B in Q1 2026.
How has Capital One Financial's consumer banking — interest income expense net changed year-over-year?: Capital One Financial's consumer banking — interest income expense net increased by 14.7% year-over-year, from $1.94B to $2.23B.
What does consumer banking — interest income expense net mean?: The net profit generated by the consumer banking segment from interest-earning assets after accounting for interest paid on liabilities.