COFCapital One

Financials · Banks · NYSE

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

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RevenueFY2016–25 $53.4B+36.6% Highest in 10 years 10-K FY2025 · XBRL Net incomeFY2016–25 $2.5B−48.4% FY2024: $4.8B 10-K FY2025 · XBRL Free cash flowFY2016–25 $26.1B+54.2% Highest in 10 years 10-K FY2025 · XBRL

What changed

10-K filed Feb 19, 2026 against Feb 20, 2025

Area	What changed	Source
Risk factors	75 new paragraphs, nothing like them in the previous 10-K	10-K Item 1A
Critical audit matters changed	New 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	10-K · XBRL
Accounting checks	7 other checks clear, 1 worth a look	10-K · XBRL
Insiders	No open-market buys in the last 90 days	Form 4
Filings	3 in the last 30 days	EDGAR

Each row opens the detail with the quote and the filing. A row is a change worth reading, not a verdict.

What's new, in their words

10-K filed Feb 19, 2026

Paragraphs in Risk Factors that were not in the 10-K filed 2025-02-20. Quoted as filed.

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.
10-K, Item 1A

All 75 new paragraphs →

Accounting checks

latest 10-K

7 of 8 clear 1 worth a look. Checks, not verdicts.

!
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
✓
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

How each check works, with sources →

In the last 30 days

All filings →

Nov 3, 202610-Q Quarterly report (10-Q) period ended Sep 30, 2026
Oct 20, 20268-K Quarterly results 8-K item 2.02
Oct 20, 20268-K Regulation FD disclosure 8-K item 7.01

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