Business Segments · Net interest income (loss)
Consumer Banking — Net interest income (loss)
Capital One Financial Consumer Banking — Net interest income (loss) decreased by 2.6% to $2.30B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 17.2%, from $1.96B to $2.30B. Over 4 years (FY 2021 to FY 2025), Consumer Banking — Net interest income (loss) shows relatively stable performance with a 0.9% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalHigher is better
VolatilityModerate
First reportedQ3 2017
Last reportedQ4 2025
How to read this metric
An increase suggests improved net interest margins or higher loan volumes.
Detailed definition
The difference between the interest earned on loans and other interest-earning assets and the interest paid on deposits...
Peer comparison
A core metric for all retail banks; directly comparable across the industry.
Metric ID:
cof_segment_consumer_banking_net_interest_income_lossHistorical Data
19 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 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $2.10B | $2.16B | $2.16B | $2.11B | $2.15B | $2.31B | $2.39B | $2.36B | $2.27B | $2.13B | $1.95B | $2.01B | $2.03B | $2.03B | $1.96B | $1.94B | $2.16B | $2.36B | $2.30B |
| QoQ Change | — | +2.8% | -0.0% | -2.1% | +1.6% | +7.6% | +3.6% | -1.4% | -3.9% | -6.0% | -8.5% | +3.1% | +0.7% | +0.1% | -3.4% | -0.8% | +11.3% | +9.0% | -2.6% |
| YoY Change | — | — | — | — | +2.2% | +7.0% | +10.9% | +11.7% | +5.7% | -7.7% | -18.5% | -14.8% | -10.8% | -4.9% | +0.4% | -3.4% | +6.8% | +16.2% | +17.2% |
Range$1.94B – $2.39B
CAGR+2.0%
Avg YoY Growth+1.2%
Median YoY Growth+2.2%
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Frequently Asked Questions
- What is Capital One Financial's consumer banking — net interest income (loss)?
- Capital One Financial (COF) reported consumer banking — net interest income (loss) of $2.30B in Q4 2025.
- How has Capital One Financial's consumer banking — net interest income (loss) changed year-over-year?
- Capital One Financial's consumer banking — net interest income (loss) increased by 17.2% year-over-year, from $1.96B to $2.30B.
- What is the long-term trend for Capital One Financial's consumer banking — net interest income (loss)?
- Over 4 years (2021 to 2025), Capital One Financial's consumer banking — net interest income (loss) has grown at a 0.9% compound annual growth rate (CAGR), from $8.45B to $8.76B.
- What does consumer banking — net interest income (loss) mean?
- The profit earned from the spread between interest income on loans and interest expense on deposits.