Capital One COF
Capital One Financial Corporation, a Delaware corporation established in 1994 and headquartered in McLean, Virginia, is a diversified financial services holding company with banking and non-banking subsidiaries. 10-K, Item 1
- Employees
- 76,300
- Headquarters
- Mclean, VA
- CEO
- Richard D. Fairbank
- Next results
- around Jan 21, 2027
COF among Financials peers
Six ratios from the latest 10-K. Each corner is the share of 75 peers the company is above, not a score.
What changed
75 new risk paragraphs and 1 accounting fact worth reading about. 10-K filed Feb 19, 2026 against Feb 20, 2025.
Each row opens the detail with the quote and the filing. A row is a change worth reading, not a verdict.
Accounting checks
8 checks on the latest 10-K. Checks, not verdicts.
1fact worth reading about the other 7 checks found nothing to note
-
Critical audit matters changedNew this year: Business combination – Fair value of intangible assets (“As described in Note 2 to the consolidated financial statements, the Company acquired Discover Financial Services (Discover) on May 18, 2025. The Company accounted for this transaction as a business combination and recorded the assets acquired and liabilities assumed from Discover at their respectiv”). Same as last year: Allowance for credit losses – Credit Card
-
Same auditor in both 10-Ks: Ernst & Young LLP
6 more checks with nothing to note
-
No statement of substantial doubt about going concern
-
No 8-K item 4.02 in the last 2 years
-
No NT 10-K or NT 10-Q in the last 2 years
-
No sentence in the 10-K concludes that controls were not effective because of a material weakness
-
No 8-K item 2.06 in the last 2 years
-
No 8-K item 1.03 in the last 2 years
In their words
75 paragraphs in Risk Factors that were not in the 10-K filed Feb 20, 2025. Quoted as filed.
-
Item 1A · new paragraph · not in the 10-K filed Feb 20, 2025 10-K, ITEM 1A
We may not be able to successfully integrate our businesses associated with the Transaction, or such integration may be more difficult, time-consuming or costly than expected.
-
Item 1A · new paragraph · not in the 10-K filed Feb 20, 2025 10-K, ITEM 1A
We may fail to realize the anticipated benefits of the Transaction, including, among other things, anticipated revenue and cost synergies, due to factors that may be outside our control. Our ability to continue to grow our business depends upon our ability to successfully hire, train, supervise, retain and manage new employees, obtain…
-
Item 1A · new paragraph · not in the 10-K filed Feb 20, 2025 10-K, ITEM 1A
As a result of the Transaction, we have become the legal successor to Discover and, as a result, have assumed the risks relating to actions that were or may be later instituted against Discover or us relating to Discover’s previous actions, as well as ongoing expenses in defending and resolving these actions, and are subject to…
-
Item 1A · new paragraph · not in the 10-K filed Feb 20, 2025 10-K, ITEM 1A
The integration of Discover may have an adverse effect on our business and results of operations due to the diversion of a substantial portion of the time and attention of our management team as well as potential employee attrition. Our management team has spent, and continues to spend, a significant amount of time and effort focusing…
New risk paragraphs, against peers
Latest 10-K of each, Financials companies closest in revenue
Paragraphs in Risk Factors with nothing like them in the company's 10-K the year before. A count of text, not of risk.
Financial performance
Last 4 fiscal years · 10-K XBRL
| Metric | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Revenue | $34.2B | $36.8B | $39.1B | $53.4B |
| Net income | $7.4B | $4.9B | $4.8B | $2.5B |
| Operating cash flow | $13.8B | $20.6B | $18.2B | $27.7B |
| Free cash flow | $12.9B | $19.6B | $17.0B | $26.1B |
Revenue, FY2016 to FY2025
Ten fiscal years, each from its own 10-K · XBRL · USD
$53.4B ▲ 36.6% in FY2025$2.5B ▼ 48.4% in FY2025$26.1B ▲ 54.2% in FY2025
Recent filings
4 filings in the last 30 days · SEC EDGAR
-
8-KNov 10, 2026Regulation FD disclosure 8-K item 7.01
-
10-QNov 3, 2026Quarterly report (10-Q) period ended Sep 30, 2026
-
8-KOct 20, 2026Quarterly results 8-K item 2.02
-
8-KOct 20, 2026Regulation FD disclosure 8-K item 7.01
About the company
Capital One, Mclean, VA · from the 10-K filed Feb 19, 2026
Capital One Financial Corporation, a Delaware corporation established in 1994 and headquartered in McLean, Virginia, is a diversified financial services holding company with banking and non-banking subsidiaries. Capital One Financial Corporation and its subsidiaries (the “Company” or “Capital One”) operate as a global payments provider and diversified financial institution, delivering a broad array of financial products and services to consumers, small businesses and commercial clients through digital channels, branch locations, cafés and other distribution channels.
- Headquarters
- Mclean, VA
- Country
- United States
- Reports in
- USD
- Listed on
- NYSE
- Fiscal year ends
- December 31
- Last results
- Oct 20, 2026
- Incorporated in
- DE
Employees, at the top of the page: "As of December 31, 2025, Capital One had approximately 76,300 employees worldwide, whom we refer to as “associates" (10-K). Address and exchange: SEC's company file.
Email alerts
Sources
The 10-K filed Feb 19, 2026 (open at SEC), compared with the 10-K filed Feb 20, 2025. Numbers from the XBRL of the 10-Ks; filings from SEC EDGAR.
Work with it: Excel workbook · CSV. Google Sheet that stays up to date: paste =IMPORTDATA("https://tickdelta.com/company/COF/export.csv") into a cell.