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

Other segment segments

Consumer Banking
$444M+76.2%
Commercial Banking
$71M-12.3%

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RNSTFinancing Receivable, Credit Loss, Expense (Reversals)
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GPMTFinancing Receivable, Excluding Accrued Interest And Off-Balance-Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal)
-$216K-106%
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HWBKFinancing Receivable, Credit Loss Expense (Reversal) On Loans And Unfunded Commitments
$73K+121%
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SNAFinancial services revenue — Financing Receivable And Accounts Receivable, Credit Loss Expense (Reversal)
$18M-5.3%
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HWBKBank — Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) Including Unfunded Commitments
$90K-64.9%
OFG Bancorp logo
OFGBanking — Financing Receivable, Credit Loss, Expense (Reversal)
$22.48M-12.5%

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$130.31B-4.7%
Enterprise value$120.5B-6.3%
P/E12.4×
P/S2.1×-1.1×

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 credit card — financing receivable, credit loss, expense (reversal)?
Capital One Financial (COF) reported credit card — financing receivable, credit loss, expense (reversal) of $2.47B in Q2 2026.
How has Capital One Financial's credit card — financing receivable, credit loss, expense (reversal) changed year-over-year?
Capital One Financial's credit card — financing receivable, credit loss, expense (reversal) decreased by 77.7% year-over-year, from $11.1B to $2.47B.
What is the long-term trend for Capital One Financial's credit card — financing receivable, credit loss, expense (reversal)?
Over 3 years (2022 to 2025), Capital One Financial's credit card — financing receivable, credit loss, expense (reversal) has grown at a 64.7% compound annual growth rate (CAGR), from $4.27B to $19.07B.
What does credit card — financing receivable, credit loss, expense (reversal) mean?
The provision expense set aside to cover expected credit losses on the credit card loan portfolio, adjusted for any reversals of previous provisions. This reflects the segment's assessment of credit risk and the health of the borrower base.