Capital One Financial Corporation COF
Latest 10-Q
What changed in Capital One Financial Corporation's latest quarterly report, compared with the one before.
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Insider trades
Open-market trades from Form 4. 10b5-1 marks a plan set in advance.Open-market buys and sales by officers, directors and 10% owners, from SEC Form 4. A plan set in advance is marked 10b5-1.
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13F holders
Funds that report this stock, checked against market prices.Fund managers with over $100 million in US-listed stocks file a 13F each quarter, up to 45 days after quarter end. Long positions only.
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Trades by members of Congress
Disclosed in dollar ranges, up to 45 days after the trade.Members of Congress, their spouses and dependent children report trades in dollar ranges, up to 45 days after the trade.
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Executive-branch trades
17 tradesTrades in Capital One Financial Corporation reported by the President, Cabinet members and other senior executive-branch officials. Amounts are ranges.Form 278-T is the periodic transaction report that senior executive-branch officials file with the Office of Government Ethics. They must report each trade over $1,000 within 30 days of being notified of it, and no later than 45 days after the trade. Amounts are ranges, not exact figures.
| The form has no ticker column. The asset is shown as the filer wrote it. We add a ticker link only when we could match the asset to a listed company. | The form asks for a range, such as $1,001 - $15,000, not an exact amount. A line can be left blank when the filer's note says the amount was not more than $1,000. | Report | ||||
|---|---|---|---|---|---|---|
| Donald J Trump President of the United States | CAPITAL ONE FINL CORP read from scan | Purchase | Aug 21, 2026 | $100,001 - $250,000 | Sep 17, 2026 | White House report ↗ |
| Donald J Trump President of the United States | CAPITAL ONE FINL CORP read from scan | Purchase | Jul 27, 2026 | $50,001 - $100,000 | Sep 8, 2026 | White House report ↗ |
| Donald J Trump President of the United States | CAPITAL ONE FINL CORP read from scan | Purchase | Jul 24, 2026 | $1,001 - $15,000 | Sep 8, 2026 | White House report ↗ |
| Donald J Trump President of the United States | CAPITAL ONE FINCL CORP read from scan | Purchase | Jul 8, 2026 | $15,001 - $50,000 | Sep 8, 2026 | White House report ↗ |
| Donald J Trump President of the United States | CAPITAL ONE FINL CORP read from scan | Purchase | May 18, 2026 | $100,001 - $250,000 | Jun 25, 2026 | White House report ↗ |
Lobbying
What Capital One Financial Corporation and its lobbying firms report each quarter.A company that lobbies with its own staff reports its expenses; a lobbying firm it hires reports the income it received. We count both.
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Lobbying and contracts
$4.8M · — in 12 moWhat Capital One Financial Corporation reported spending on lobbying next to the federal contracts it was awarded, by year.Lobbying: each report counts once. If a report was amended, only the newest version counts. Totals use the company's own report when it files one (it includes payments to hired firms); otherwise the hired firms' reported income. Registrations and reports with no amount are not counted. A firm that hands part of its work to another firm may report the same money as that other firm does; the filings do not allow us to tell. Contracts: each award is counted once, for the company that received it (or its listed parent when only the parent is matched), in the year of its first obligation. The amount is the total obligated to date, so a later increase is counted in the year the award began. Only awards of $1 million or more are collected. Agencies: the offices named on lobbying reports and the awarding agencies of contracts are matched to one department name (the Army, Navy and Air Force count as the Department of Defense; NIH, FDA and CMS as Health and Human Services). An agency is listed under both when the company lobbied it and was awarded a contract by it in the same period. Offices outside this list, and Congress, are not counted as agencies.
Lobbying Federal contractsBoth bars use one dollar scale.
| Gifts by the company's PAC to candidates for Congress. They come from donations to the PAC, not from the company's own funds. | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 2026 (year to date) | $3.1M | 33 | Banking, Taxation, Financial institutions and securities | Treasury | — | — | — | $384.5K | — |
| 2025 | $4.9M | 31 | Banking, Taxation, Financial institutions and securities | — | — | — | — | $294.5K | — |
| 2024 | $1.7M | 7 | Banking, Taxation, Financial institutions and securities | — | — | — | — | $347.5K | — |
| 2023 | $800.0K | 1 | Banking, Financial institutions and securities, Taxation | — | — | — | — | $247.5K | — |
Agencies both lobbied and awarding contracts
No agency appears on both sides in the last 12 months.
Lobbying and contract awards are reported separately; showing them together does not mean one caused the other.
Capitol Hires at Capital One Financial Corporation
63 hiresLobbyists for Capital One Financial Corporation who say they once worked in Congress or the executive branch.
| The covered position the lobbyist says they held: an office of a member of Congress, a committee or an executive-branch body, as written in the filing. The member's name is a link only when exactly one member of Congress fits the name, chamber, first name and years given; otherwise it stays as written. | The lobbying report (LDA form LD-2) that names this lobbyist and office, with a link to it. Report period is the quarter the report covers; Posted is the day it was filed or amended, which can be much later. The same lobbyist is named again on each quarterly report for the same client, so a row is shown once, from the newest report, with the number of filings that name them. | |||
|---|---|---|---|---|
| Derek Theurer | Treasury Department Executive branch | Counselor to the Secretary, PDO Deputy Secretary, Deputy Under Secretary | Venable LLP | Report period 2026 Q3 ↗ Posted Oct 20, 2026 |
| Douglas Nappi | US Senate Committee on Banking, Housing & Urban Affairs Committee | General Counsel, Counsel | Federal Hall Policy Advisors, LLC | Report period 2026 Q3 ↗ Posted Oct 20, 2026 · in 4 filings |
| Christopher Matthiesen | Kosmas (House) Member office · House | Chief of Staff | Federal Hall Policy Advisors, LLC | Report period 2026 Q3 ↗ Posted Oct 20, 2026 · in 4 filings |
| Christopher Matthiesen | Lampson (House) Member office · House | LD | Federal Hall Policy Advisors, LLC | Report period 2026 Q3 ↗ Posted Oct 20, 2026 · in 4 filings |
| Christopher Matthiesen | Pelosi Member office | Staff Assistant | Federal Hall Policy Advisors, LLC | Report period 2026 Q3 ↗ Posted Oct 20, 2026 · in 4 filings |
Each row reflects what was disclosed at the time of filing. A lobbyist listed may no longer be registered.
FHA lending at Capital One Financial Corporation
1 datasetLoans insured by the Federal Housing Administration, from HUD's files, for lenders we have linked to Capital One Financial Corporation.
Apartment and care-home loans
Services $1.52B of FHA-insured loans. Holds $1.52B. Servicing covers 18,004 units at an average rate of 3.856%. All holders and servicers
| The balance is HUD's own amortization-schedule figure, assuming every payment is made on time. It can differ from a servicer's statement. Terminated loans carry no balance. | ||||
|---|---|---|---|---|
| Capital One NA | Holder | 117 | $1.52B | 21 loans, $467.9M |
| Capital One NA | Servicer | 117 | $1.52B | 21 loans, $467.9M |
These are the lending units of the company that HUD names, matched by name or HUD number after review. They are not the company's whole mortgage business, only the FHA-insured part. Totals only; no borrowers.
Bank financials at Capital One Financial Corporation
Q2 2026Deposits, loans past due, charge-offs and capital of the banks Capital One Financial Corporation owns, from FDIC call reports
US bank subsidiaries Q2 2026: $662B in assets, $513B in deposits (20.6% uninsured), commercial real estate 5.3% of loans, common equity Tier 1 ratio 13.2%. 1 bank: CAPITAL ONE NATIONAL ASSN.
Last 8 quarters
| Quarter | AssetsTotal assets of the company's US bank subsidiaries at the end of the quarter. | DepositsDomestic and foreign deposits of the banks at the end of the quarter. | UninsuredThe FDIC's estimate of deposits above the insurance limit, as a share of insured plus uninsured deposits in domestic offices. | CRE % loansConstruction, multifamily and nonfarm nonresidential real estate loans (owner-occupied included) as a share of total loans. | Past dueLoans 30 or more days past due and still accruing, as a percent of total loans. Nonaccrual loans are shown separately. | NonaccrualLoans the bank no longer accrues interest on, as a percent of total loans. | Charge-offsThe quarter's net charge-offs times four, over period-end loans. | CET1The banks' common equity Tier 1 capital ratio, averaged by assets. Lowest first. |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $662B | $513B | 20.57% | 5.27% | 3.11% | 0.39% | 3.18% | 13.21% |
| Q1 2026 | $672B | $521B | 21.12% | 5.44% | 3.26% | 0.40% | 3.44% | 13.73% |
| Q4 2025 | $658B | $505B | 20.84% | 5.47% | 3.62% | 0.40% | 3.37% | 13.44% |
| Q3 2025 | $652B | $499B | 21.26% | 5.35% | 3.46% | 0.45% | 3.07% | 13.46% |
| Q2 2025 | $649B | $497B | 20.28% | 5.51% | 3.29% | 0.43% | 2.73% | 13.59% |
| Q1 2025 | $491B | $389B | 23.03% | 7.92% | 3.52% | 0.57% | 3.38% | 13.94% |
| Q4 2024 | $487B | $385B | 23.98% | 7.55% | 3.93% | 0.61% | 3.52% | 13.63% |
| Q3 2024 | $484B | $380B | 24.41% | 8.20% | 3.84% | 0.65% | 3.25% | 14.02% |
By loan type, Q2 2026
| Loan type | Loans | Past dueLoans 30 or more days past due and still accruing, as a percent of that loan type. | Nonaccrual | Charge-offsThe quarter's net charge-offs times four, as a percent of that loan type. |
|---|---|---|---|---|
| 1-4 family mortgages | $134M | 2.99% | 0.00% | 0.00% |
| Commercial real estate | $24.1B | 0.36% | 3.00% | 0.61% |
| Commercial and industrial | $37.1B | 0.78% | 1.34% | 2.10% |
| Credit cards | $251B | 3.90% | 0.01% | 4.79% |
| Auto loans | $89.3B | 4.32% | 0.61% | 1.40% |
| Other consumer | $8.6B | 1.67% | 0.12% | 3.85% |
Against Q2 2025: uninsured share +0.28 pp; commercial real estate share of loans -0.24 pp; past due, all loans -0.18 pp; past due, credit cards -0.22 pp; past due, commercial real estate -0.65 pp; card charge-offs +0.58 pp.
Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. Figures are for the company's US bank subsidiaries as filed with the FDIC (a bank's call report covers the bank only). They are not the consolidated holding company, which can include large non-bank businesses.
Credit card metrics at Capital One Financial Corporation
Sep 2026Monthly charge-offs and late payments on credit card loans, from Capital One Financial Corporation's own reports and the card trusts it sponsors, filed with the SEC
Issuer-wide figures and securitized card pools are different sets of loans, so they are shown apart and are not added together.
Capital One, domestic card Issuer-wide
Sep 2026: net charge-offs 3.66% (-0.7 pp against a year earlier), 30+ days late 3.74%(-0.1 pp), loans $260B. Domestic credit card loans of Capital One (Discover included from June 2025).
| Month | Net charge-offs | 30+ days late | Loans |
|---|---|---|---|
| Sep 2026 | 3.66% | 3.74% | $260B |
| Aug 2026 | 4.16% | 3.57% | $261B |
| Jul 2026 | 4.12% | 3.48% | $259B |
| Jun 2026 | 4.37% | 3.39% | $259B |
| May 2026 | 4.82% | 3.33% | $258B |
| Apr 2026 | 4.94% | 3.44% | $255B |
| Mar 2026 | 5.09% | 3.7% | $254B |
| Feb 2026 | 5.17% | 3.96% | $252B |
| Jan 2026 | 5.04% | 4.04% | $257B |
| Dec 2025 | 5.01% | 3.99% | $262B |
| Nov 2025 | 5.02% | 4.01% | $257B |
| Oct 2025 | 4.77% | 3.99% | $254B |
| Sep 2025 | 4.35% | 3.89% | $254B |
Includes Discover's domestic card loans from the June 2025 report on (acquisition closed May 18, 2025); earlier months are Capital One alone. Net charge-off rate is annualized net charge-offs over average loans held for investment; the 30+ day delinquency rate is performing loans 30 or more days past due over period-end loans held for investment.
- Capital One, domestic card, Jun 2025 (definition changed): Capital One closed the Discover acquisition in May 2025. From June 2025 domestic card loans include Discover's card loans, so loans jump from about 152 billion to 252 billion. Changes are not computed across this month.
Capital One, auto Issuer-wide
Sep 2026: net charge-offs 1.62% (+0.2 pp against a year earlier), 30+ days late 4.64%(-0.3 pp), loans $92.9B. Auto loans of Capital One.
| Month | Net charge-offs | 30+ days late | Loans |
|---|---|---|---|
| Sep 2026 | 1.62% | 4.64% | $92.9B |
| Aug 2026 | 1.66% | 4.54% | $91.9B |
| Jul 2026 | 1.48% | 4.39% | $90.5B |
| Jun 2026 | 1.65% | 4.32% | $89.3B |
| May 2026 | 1.45% | 4.24% | $88.0B |
| Apr 2026 | 1.2% | 4.02% | $86.8B |
| Mar 2026 | 1.44% | 4.21% | $85.7B |
| Feb 2026 | 1.54% | 4.08% | $84.6B |
| Jan 2026 | 1.94% | 4.76% | $84.1B |
| Dec 2025 | 2.07% | 5.23% | $83.6B |
| Nov 2025 | 1.71% | 5.02% | $83.0B |
| Oct 2025 | 1.67% | 4.97% | $82.5B |
| Sep 2025 | 1.46% | 4.99% | $82.0B |
Consumer Banking auto loans held for investment (Discover has no auto book). Net charge-off rate is annualized net charge-offs over average loans held for investment; the 30+ day delinquency rate is performing loans 30 or more days past due over period-end loans held for investment. The nonperforming loan rate is nonperforming loans over period-end loans.
Capital One Multi-asset Execution Trust Securitized card pool
Sep 2026: net charge-offs 1.69% (-0.5 pp against a year earlier), 30+ days late 1.72%(-0.1 pp), loans $23.0B. Securitized card pool: Capital One Master Trust.
| Month | Net charge-offs | 30+ days late | Loans | Yield | Excess spread | Payment rate |
|---|---|---|---|---|---|---|
| Sep 2026 | 1.69% | 1.72% | $23.0B | 26.89% | — | 46.00% |
| Aug 2026 | 2.01% | 1.64% | $23.3B | 27.39% | — | 46.81% |
| Jul 2026 | 1.8% | 1.62% | $23.3B | 27.09% | — | 47.98% |
| Jun 2026 | 1.92% | 1.59% | $23.4B | 27.49% | — | 48.41% |
| May 2026 | 2.23% | 1.6% | $23.5B | 27.26% | — | 46.58% |
| Apr 2026 | 2.16% | 1.65% | $23.2B | 27.56% | — | 47.09% |
| Mar 2026 | 2.38% | 1.76% | $23.3B | 27.46% | — | 46.18% |
| Feb 2026 | 2.47% | 1.88% | $22.8B | 26.46% | — | 43.23% |
| Jan 2026 | 2.3% | 1.88% | $23.4B | 26.03% | — | 45.84% |
| Dec 2025 | 2.35% | 1.84% | $24.4B | 28.33% | — | 49.13% |
| Nov 2025 | 2.42% | 1.87% | $23.7B | 26.96% | — | 43.21% |
| Oct 2025 | 2.34% | 1.87% | $23.5B | 27.71% | — | 46.41% |
| Sep 2025 | 2.21% | 1.86% | $23.5B | 27.36% | — | 45.99% |
Capital One Master Trust, the collateral of Capital One Multi-asset Execution Trust. Yield is the annualized gross yield on principal receivables (before losses); the net loss rate is the annualized net default rate; the payment rate is the principal payment rate. The delinquency rate is accounts 30 or more days past due as a share of total receivables. The issuer reports excess spread only as a dollar amount.
Source: the issuers' and trusts' filings with the SEC (Forms 8-K and 10-D), newest month Sep 2026. US public records (SEC EDGAR), public domain. Percentages are as each issuer reports them. Definitions differ between issuers and between a trust and its issuer. Not investment advice.
Consumer complaints at Capital One Financial Corporation
Jul–Sep 2026Complaints to the CFPB about Capital One Financial Corporation: trend, products, issues, answered in time and closed with relief
Jul–Sep 2026: 9,475 complaints, -3.9% against Jul–Sep 2025 (9,861). 100% were answered in time; 17% of the 9,399 closed ended with monetary or non-monetary relief.
Complaints by month
By product, Jul–Sep 2026
| Product | Complaints | Share | Year earlier | ChangeAgainst the same three months a year earlier. Shown when that window had at least 50 complaints. | In timeShare of complaints the company answered within the CFPB's deadline. | ReliefShare of closed complaints that ended with monetary or non-monetary relief for the consumer. |
|---|---|---|---|---|---|---|
| Credit card | 4,265 | 45% | 3,325 | +28.3% | 100% | 23% |
| Credit reporting or other personal consumer reports | 2,497 | 26% | 3,714 | -32.8% | 100% | 14% |
| Checking or savings account | 1,271 | 13% | 1,038 | +22.4% | 100% | 8% |
| Debt collection | 937 | 10% | 1,355 | -30.9% | 100% | 15% |
| Vehicle loan or lease | 324 | 3% | 259 | +25.1% | 100% | 3% |
| Money transfer, virtual currency, or money service | 116 | 1% | 103 | +12.6% | 100% | 8% |
| Debt or credit management | 22 | 0% | 31 | — | 100% | 14% |
| Prepaid card | 20 | 0% | 5 | — | 100% | 32% |
| Payday loan, title loan, personal loan, or advance loan | 15 | 0% | 15 | — | 100% | 13% |
| Student loan | 6 | 0% | 9 | — | 100% | 0% |
| Mortgage | 2 | 0% | 7 | — | 100% | 50% |
Biggest issues
| Issue | Complaints | Year earlier |
|---|---|---|
| Problem with a purchase shown on your statement Credit card | 1,437 | 896 |
| Incorrect information on your report Credit reporting or other personal consumer reports | 1,410 | 1,922 |
| Managing an account Checking or savings account | 826 | 621 |
| Other features, terms, or problems Credit card | 593 | 382 |
| Problem with a company's investigation into an existing problem Credit reporting or other personal consumer reports | 516 | 682 |
| Improper use of your report Credit reporting or other personal consumer reports | 484 | 1,024 |
| Closing your account Credit card | 387 | 377 |
| Getting a credit card Credit card | 379 | 459 |
Complaints are unverified and grow with a company's customer count; compare trends, not totals. Source: CFPB Consumer Complaint Database (CFPB), complaints received through 2026-11-11. The newest 15 days are left out: the CFPB publishes a complaint up to 15 days after it arrives.
Lender stress at Capital One Financial Corporation
Card, bank and complaint records for this lender, side by side
Capital One Financial Corporation has bank card and auto delinquencies (FDIC), monthly card charge-offs (SEC), complaints (CFPB). The page shows them next to each other; each keeps its own source and date.
Capital One Financial Corporation on Lender stress · All lenders
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Institutional ownership over time
How many funds reported holding the stock at the end of each quarter, and how many shares they held between them.
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More filings and data
Each opens the table.
About the company
The basics from the company’s SEC registration.
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Adjusted for stock splits; not for dividends. Where prices come from.
Live chart
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