Credit Card — Net interest income (loss)
Capital One Financial Credit Card — Net interest income (loss) increased by 0.9% to $9.48B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 64.0%, from $5.78B to $9.48B. Over 4 years (FY 2021 to FY 2025), Credit Card — Net interest income (loss) shows an upward trend with a 22.6% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
Higher income indicates effective net interest margin management and loan growth, while lower income suggests margin compression or reduced lending activity.
Detailed definition
The difference between the interest income generated from credit card loans and the interest expense paid on the funding...
Peer comparison
Standard metric for all banks and credit card issuers; directly comparable to Net Interest Income (NII) at peers.
cof_segment_credit_card_net_interest_income_lossHistorical 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 | $3.22B | $3.62B | $3.87B | $3.84B | $3.90B | $4.31B | $4.53B | $4.66B | $4.73B | $5.11B | $5.23B | $5.27B | $5.29B | $5.74B | $5.78B | $5.65B | $7.29B | $9.40B | $9.48B |
| QoQ Change | — | +12.5% | +6.8% | -0.7% | +1.6% | +10.6% | +5.1% | +2.7% | +1.5% | +8.2% | +2.3% | +0.8% | +0.4% | +8.5% | +0.6% | -2.2% | +29.0% | +28.8% | +0.9% |
| YoY Change | — | — | — | — | +21.2% | +19.1% | +17.3% | +21.3% | +21.2% | +18.6% | +15.4% | +13.2% | +12.0% | +12.3% | +10.5% | +7.2% | +37.8% | +63.6% | +64.0% |
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Frequently Asked Questions
- What is Capital One Financial's credit card — net interest income (loss)?
- Capital One Financial (COF) reported credit card — net interest income (loss) of $9.48B in Q4 2025.
- How has Capital One Financial's credit card — net interest income (loss) changed year-over-year?
- Capital One Financial's credit card — net interest income (loss) increased by 64.0% year-over-year, from $5.78B to $9.48B.
- What is the long-term trend for Capital One Financial's credit card — net interest income (loss)?
- Over 4 years (2021 to 2025), Capital One Financial's credit card — net interest income (loss) has grown at a 22.6% compound annual growth rate (CAGR), from $14.07B to $31.82B.
- What does credit card — net interest income (loss) mean?
- Interest earned on credit card loans minus interest paid on funding.