Discontinued — last reported Q1 '26
Business Segments · Interest Income Expense Net
Credit Card — Interest Income Expense Net
Capital One Financial Credit Card — Interest Income Expense Net decreased by 1.7% to $9.24B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 63.4%, from $5.65B to $9.24B. 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 suggests improved net interest margins or growth in the interest-earning asset base, while a decrease may indicate rising funding costs or compressed lending spreads.
Detailed definition
This metric represents the net interest income generated by the credit card segment after accounting for interest expens...
Peer comparison
Comparable to Net Interest Income (NII) reported by other consumer finance and credit card issuers.
Metric ID:
cof_segment_credit_card_interest_income_expense_netHistorical 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 | $3.22B | $3.62B | $3.84B | $3.90B | $4.31B | $4.66B | $4.73B | $5.11B | $5.27B | $5.29B | $5.74B | $5.65B | $7.29B | $9.40B | $9.24B |
| QoQ Change | — | +12.5% | +6.0% | +1.6% | +10.6% | +8.0% | +1.5% | +8.2% | +3.1% | +0.4% | +8.5% | -1.5% | +29.0% | +28.8% | -1.7% |
| YoY Change | — | — | — | +21.2% | +19.1% | +21.3% | +21.2% | +18.6% | +13.2% | +12.0% | +12.3% | +7.2% | +37.8% | +63.6% | +63.4% |
Range$3.22B – $9.40B
CAGR+35.2%
Avg YoY Growth+25.9%
Median YoY Growth+20.2%
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Frequently Asked Questions
- What is Capital One Financial's credit card — interest income expense net?
- Capital One Financial (COF) reported credit card — interest income expense net of $9.24B in Q1 2026.
- How has Capital One Financial's credit card — interest income expense net changed year-over-year?
- Capital One Financial's credit card — interest income expense net increased by 63.4% year-over-year, from $5.65B to $9.24B.
- What does credit card — interest income expense net mean?
- The net profit earned from credit card interest after subtracting the cost of borrowing the money to fund those loans.