Capital One $(COF)$ reported FY 2025 net income of USD 2.45 billion on total net revenue of USD 53.43 billion (+37%). Net interest income rose to USD 42.88 billion (+37%) and non-interest income increased to USD 10.56 billion (+34%), while provision for credit losses climbed to USD 20.66 billion (+76%) and total non-interest expense rose to USD 30.50 billion (+42%). FY 2025 diluted EPS was USD 4.03 (from continuing operations: USD 3.36), and the company recorded USD 365 million of discontinued-operations income, primarily driven by a USD 483 million pre-tax gain on the sale of the Discover Home Loans business in Q4 2025. COF said FY 2025 results and balance sheet growth were primarily driven by its Discover acquisition (closed May 18, 2025), including the addition of the Global Payment Network. Loans held for investment ended FY 2025 at USD 453.62 billion (+38%), including USD 108.20 billion contributed by the transaction at closing, and total deposits were USD 475.77 billion (+31%), including USD 106.90 billion added at closing. The CET1 ratio under the Basel III standardized approach was 14.3% at December 31, 2025. COF declared and paid USD 1.50 billion of common dividends in FY 2025 (USD 2.60 per share) and repurchased USD 3.80 billion of common stock; the board also authorized a new USD 16.00 billion share repurchase program effective October 21, 2025.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Capital One Financial Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0000927628-26-000024), on February 19, 2026, and is solely responsible for the information contained therein.