0000927628-21-000296.txt : 20211026 0000927628-21-000296.hdr.sgml : 20211026 20211026160608 ACCESSION NUMBER: 0000927628-21-000296 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20211026 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20211026 DATE AS OF CHANGE: 20211026 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CAPITAL ONE FINANCIAL CORP CENTRAL INDEX KEY: 0000927628 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 541719854 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-13300 FILM NUMBER: 211348406 BUSINESS ADDRESS: STREET 1: 1680 CAPITAL ONE DRIVE STREET 2: SUITE 1400 CITY: MCLEAN STATE: VA ZIP: 22102 BUSINESS PHONE: 7037201000 MAIL ADDRESS: STREET 1: 1680 CAPITAL ONE DRIVE STREET 2: SUITE 1400 CITY: MCLEAN STATE: VA ZIP: 22102 FORMER COMPANY: FORMER CONFORMED NAME: OAKSTONE FINANCIAL CORP DATE OF NAME CHANGE: 19940728 8-K 1 cof-20211026.htm 8-K cof-20211026
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
____________________________________
FORM 8-K
____________________________________
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934

October 26, 2021
Date of Report (Date of earliest event reported)
____________________________________
CAPITAL ONE FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
____________________________________
Delaware001-1330054-1719854
(State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)
1680 Capital One Drive,
McLean,Virginia 22102
(Address of principal executive offices) (Zip Code)
Registrant’s telephone number, including area code: (703) 720-1000
(Not applicable)
(Former name or former address, if changed since last report)
____________________________________
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading Symbol(s)Name of Each Exchange on Which Registered
Common Stock (par value $.01 per share)COF
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series GCOF PRG
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series HCOF PRH
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series ICOF PRI
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series JCOF PRJ
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series KCOF PRK
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series LCOF PRL
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series NCOF PRN
New York Stock Exchange
0.800% Senior Notes Due 2024COF24
New York Stock Exchange
1.650% Senior Notes Due 2029COF29
New York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company     ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐





Item 2.02 Results of Operations and Financial Condition.

On October 26, 2021, Capital One Financial Corporation (the “Company”) issued a press release announcing its financial results for the third quarter ended September 30, 2021. Copies of the Company’s press release and financial supplement are attached and furnished herewith as Exhibits 99.1 and 99.2 to this Form 8-K and are incorporated herein by reference.

Note: Information in this report (including Exhibits 99.1 and 99.2) furnished pursuant to Item 2.02 shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section. 
1




Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.
Exhibit No.Description
99.1
99.2
104The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

Earnings Conference Call Webcast Information.

The Company will hold an earnings conference call on October 26, 2021 at 5:00 PM Eastern Time. The conference call will be accessible through live webcast. Interested investors and other individuals can access the webcast via the Company’s home page (www.capitalone.com). Under “About,” choose “Investors” to access the Investor Center and view and/or download the earnings press release, the financial supplement, including a reconciliation of non-GAAP financial measures, and the earnings release presentation. A replay of the webcast will be archived on the Company’s website through November 9, 2021 at 5:00 PM Eastern Time.

2




SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized.
CAPITAL ONE FINANCIAL CORPORATION
Date: October 26, 2021
By:/s/ TIMOTHY P. GOLDEN
Timothy P. Golden
Controller and Principal Accounting Officer

3
 EX-99.1 2 ex991q32021earningsrelease.htm EX-99.1 Document

Exhibit 99.1
News Release

earningsslidesvfinal1b58a.jpg
Contacts:
Investor RelationsMedia Relations
Jeff NorrisDanielle DietzSie Soheili
jeff.norris@capitalone.comdanielle.dietz@capitalone.comsie.soheili@capitalone.com

FOR IMMEDIATE RELEASE: October 26, 2021
Capital One Reports Third Quarter 2021 Net Income of $3.1 billion,
or $6.78 per share
Excluding adjusting items, Third Quarter 2021 Net Income of $6.86 per share(1)
McLean, Va. (October 26, 2021) – Capital One Financial Corporation (NYSE: COF) today announced net income for the third quarter of 2021 of $3.1 billion, or $6.78 per diluted common share, compared with net income of $3.5 billion, or $7.62 per diluted common share in the second quarter of 2021, and with a net income of $2.4 billion, or $5.06 per diluted common share in the third quarter of 2020. Excluding adjusting items, net income for the third quarter of 2021 was $6.86 per diluted common share.(1)
“Our modern technology stack is powering our performance and our opportunity,” said Richard D. Fairbank, Founder, Chairman and Chief Executive Officer. “It’s setting us up to capitalize on the accelerating digital revolution in banking, and it’s the engine that drives enduring value creation over the long-term.”
The quarter included the following adjusting item:
(Dollars in millions, except per share data)Pre-Tax
Impact		Diluted EPS
Impact
Legal reserve activity$45 $0.08 
All comparisons below are for the third quarter of 2021 compared with the second quarter of 2021 unless otherwise noted.
Third Quarter 2021 Income Statement Summary:
•Total net revenue increased 6 percent to $7.8 billion.
•Total non-interest expense increased 6 percent to $4.2 billion:
◦21 percent increase in marketing.
◦3 percent increase in operating expenses.
(1)Amounts excluding adjusting items are non-GAAP measures that we believe help investors and users of our financial information understand the effect of adjusting items on our selected reported results and provide alternate measurements of our performance, both in the current period and across periods. See Table 15 in Exhibit 99.2 for a reconciliation of our selected reported results to these non-GAAP measures.

Capital One Third Quarter 2021 Earnings
Page 2

•Pre-provision earnings increased 7 percent to $3.6 billion.(2)
•Provision (benefit) for credit losses increased $818.0 million to $(342.0) million:
◦Net charge-offs of $426.0 million.
◦$770.0 million loan reserve release.
•Net interest margin of 6.35 percent, an increase of 46 basis points.
•Efficiency ratio of 53.46 percent.
◦Efficiency ratio excluding adjusting items of 52.89 percent.(1)
•Operating efficiency ratio of 43.87 percent.
◦Operating efficiency ratio excluding adjusting items of 43.30 percent.(1)
Third Quarter 2021 Balance Sheet Summary:
•Common equity Tier 1 capital ratio under Basel III Standardized Approach of 13.8 percent at September 30, 2021.
•Period-end loans held for investment in the quarter increased $11.8 billion, or 5 percent, to $261.4 billion.
◦Credit Card period-end loans increased $4.0 billion, or 4 percent, to $105.0 billion.
•Domestic Card period-end loans increased $3.9 billion, or 4 percent, to $99.3 billion.
◦Consumer Banking period-end loans increased $2.4 billion, or 3 percent, to $77.1 billion.
•Auto period-end loans increased $3.0 billion, or 4 percent, to $74.7 billion.
◦Commercial Banking period-end loans increased $5.4 billion, or 7 percent, to $79.2 billion.
•Average loans held for investment in the quarter increased $6.6 billion, or 3 percent, to $253.1 billion.
◦Credit Card average loans increased $2.4 billion, or 2 percent, to $102.0 billion.
•Domestic Card average loans increased $4.8 billion, or 5 percent, to $96.3 billion.
◦Consumer Banking average loans increased $3.3 billion, or 5 percent, to $76.0 billion.
•Auto average loans increased $3.8 billion, or 5 percent, to $73.3 billion.
◦Commercial Banking average loans increased $1.0 billion, or 1 percent, to $75.1 billion.
•Period-end total deposits decreased $370 million, or less than 1 percent, to $305.9 billion, while average deposits decreased $3.2 billion, or 1 percent, to $305.0 billion.
•Interest-bearing deposits rate paid decreased 1 basis point to 0.34 percent.
(1)Amounts excluding adjusting items are non-GAAP measures that we believe help investors and users of our financial information understand the effect of adjusting items on our selected reported results and provide alternate measurements of our performance, both in the current period and across periods. See Table 15 in Exhibit 99.2 for a reconciliation of our selected reported results to these non-GAAP measures.
(2)Pre-provision earnings is calculated based on the sum of net interest income and non-interest income, less non-interest expense for the period. Management believes that this financial metric is useful in enabling investors and others to assess the Company’s ability to generate income to cover credit losses through a credit cycle, which can vary significantly between periods.
Capital One Third Quarter 2021 Earnings
Page 3

Earnings Conference Call Webcast Information
The company will hold an earnings conference call on October 26, 2021 at 5:00 PM Eastern Time. The conference call will be accessible through live webcast. Interested investors and other individuals can access the webcast via the company’s home page (www.capitalone.com). Under “About,” choose “Investors” to access the Investor Center and view and/or download the earnings press release, the financial supplement, including a reconciliation of non-GAAP financial measures, and the earnings release presentation. The replay of the webcast will be archived on the company’s website through November 9, 2021 at 5:00 PM Eastern Time.
Forward-Looking Statements
Certain statements in this release may constitute forward-looking statements, which involve a number of risks and uncertainties. Capital One cautions readers that any forward-looking information is not a guarantee of future performance and that actual results could differ materially from those contained in the forward-looking information due to a number of factors, including those listed from time to time in reports that Capital One files with the Securities and Exchange Commission, including, but not limited to, the Annual Report on Form 10-K for the year ended December 31, 2020.
About Capital One
Capital One Financial Corporation (www.capitalone.com) is a financial holding company whose subsidiaries, which include Capital One, N.A., and Capital One Bank (USA), N.A., had $305.9 billion in deposits and $425.4 billion in total assets as of September 30, 2021. Headquartered in McLean, Virginia, Capital One offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients through a variety of channels. Capital One, N.A. has branches located primarily in New York, Louisiana, Texas, Maryland, Virginia, New Jersey and the District of Columbia. A Fortune 500 company, Capital One trades on the New York Stock Exchange under the symbol “COF” and is included in the S&P 100 index.
###

 EX-99.2 3 ex992q32021earningsrelease.htm EX-99.2 Document

Exhibit 99.2

Capital One Financial Corporation
Financial Supplement(1)(2)
Third Quarter 2021
Table of Contents
Capital One Financial Corporation Consolidated ResultsPage
Business Segment Results
Other
__________
(1)The information contained in this Financial Supplement is preliminary and based on data available at the time of the earnings presentation. Investors should refer to our Quarterly Report on Form 10-Q for the period ended September 30, 2021 once it is filed with the Securities and Exchange Commission.
(2)This Financial Supplement includes non-GAAP measures. We believe these non-GAAP measures are useful to investors and users of our financial information as they provide an alternate measurement of our performance and assist in assessing our capital adequacy and the level of return generated. These non-GAAP measures should not be viewed as a substitute for reported results determined in accordance with generally accepted accounting principles in the U.S. (“GAAP”), nor are they necessarily comparable to non-GAAP measures that may be presented by other companies.


CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 1: Financial Summary—Consolidated
2021 Q3 vs.Nine Months Ended September 30,
(Dollars in millions, except per share data and as noted) 20212021202120202020202120202021 vs.
Q3Q2Q1Q4Q3Q2Q3202120202020
Income Statement
Net interest income$6,156 $5,743 $5,822 $5,873 $5,555 7 %11 %$17,721 $17,040 4 %
Non-interest income1,674 1,631 1,291 1,464 1,826 3 (8)4,596 4,146 11 
Total net revenue(1)
7,830 7,374 7,113 7,337 7,381 6 6 22,317 21,186 5 
Provision (benefit) for credit losses(342)(1,160)(823)264 331 (71)**(2,325)10,000 **
Non-interest expense:
Marketing751 620 501 563 283 21 165 1,872 1,047 79 
Operating expense3,435 3,346 3,239 3,446 3,265 3 5 10,020 10,000 — 
Total non-interest expense4,186 3,966 3,740 4,009 3,548 6 18 11,892 11,047 8 
Income from continuing operations before income taxes3,986 4,568 4,196 3,064 3,502 (13)14 12,750 139 **
Income tax provision (benefit)882 1,031 869 496 1,096 (14)(20)2,782 (10)**
Income from continuing operations, net of tax3,104 3,537 3,327 2,568 2,406 (12)29 9,968 149 **
Loss from discontinued operations, net of tax— (1)(2)(2)— **— (3)(1)**
Net income3,104 3,536 3,325 2,566 2,406 (12)29 9,965 148 **
Dividends and undistributed earnings allocated to participating securities(2)
(26)(30)(28)(19)(20)(13)30 (84)(5)**
Preferred stock dividends(79)(60)(61)(68)(67)32 18 (200)(212)(6)
Issuance cost for redeemed preferred stock(3)
(12)— — (17)— ****(12)(22)(45)
Net income (loss) available to common stockholders$2,987 $3,446 $3,236 $2,462 $2,319 (13)29 $9,669 $(91)**
Common Share Statistics
Basic earnings per common share:(2)
Net income (loss) from continuing operations$6.81 $7.65 $7.06 $5.36 $5.07 (11)%34 %$21.53 $(0.20)**
Income (loss) from discontinued operations— — — — — — — (0.01)— **
Net income (loss) per basic common share$6.81 $7.65 $7.06 $5.36 $5.07 (11)34 $21.52 $(0.20)**
Diluted earnings per common share:(2)
Net income (loss) from continuing operations$6.78 $7.62 $7.03 $5.35 $5.06 (11)%34 %$21.45 $(0.20)**
Income (loss) from discontinued operations— — — — — — — (0.01)— **
Net income (loss) per diluted common share$6.78 $7.62 $7.03 $5.35 $5.06 (11)34 $21.44 $(0.20)**
Weighted-average common shares outstanding (in millions):
Basic438.8 450.6 458.6 459.1 457.8 (3)%(4)%449.2 457.4 (2)%
Diluted440.5 452.3 460.1 460.2 458.5 (3)(4)450.9 457.4 (1)
Common shares outstanding (period-end, in millions)430.4 446.1 456.8 459.0 457.4 (4)(6)430.4 457.4 (6)
Dividends declared and paid per common share$1.20 $0.40 $0.40 $0.10 $0.10 ****$2.00 $0.90 122 
Tangible book value per common share (period-end)(4)
99.60 97.20 90.96 88.34 83.67 2 19 99.60 83.67 19 
1

2021 Q3 vs.Nine Months Ended September 30,
(Dollars in millions)20212021202120202020202120202021 vs.
Q3Q2Q1Q4Q3Q2Q3202120202020
Balance Sheet (Period-End)
Loans held for investment$261,390 $249,597 $243,131 $251,624 $248,223 5 %5 %$261,390 $248,223 5 %
Interest-earning assets387,208 387,295 392,485 388,917 390,040 — (1)387,208 390,040 (1)
Total assets425,377 423,420 425,175 421,602 421,883 — 1 425,377 421,883 1 
Interest-bearing deposits269,134 271,314 276,325 274,300 276,092 (1)(3)269,134 276,092 (3)
Total deposits305,938 306,308 310,328 305,442 305,725 — — 305,938 305,725 — 
Borrowings37,501 36,343 38,450 40,539 42,795 3 (12)37,501 42,795 (12)
Common equity57,632 58,136 56,341 55,356 53,093 (1)9 57,632 53,093 9 
Total stockholders’ equity63,544 64,624 61,188 60,204 58,424 (2)9 63,544 58,424 9 
Balance Sheet (Average Balances)
Loans held for investment$253,101 $246,463 $243,937 $247,689 $249,511 3 %1 %$247,867 $255,232 (3)%
Interest-earning assets387,766 390,129 388,572 388,252 391,451 (1)(1)388,820 375,041 4 
Total assets424,506 424,099 421,808 420,011 422,854 — — 423,457 408,233 4 
Interest-bearing deposits269,278 273,476 273,358 274,142 276,339 (2)(3)272,022 259,631 5 
Total deposits305,035 308,217 305,056 304,513 305,516 (1)— 306,102 286,242 7 
Borrowings37,464 37,054 39,911 40,662 44,161 1 (15)38,134 48,577 (21)
Common equity58,230 56,885 55,775 54,220 51,995 2 12 56,972 52,529 8 
Total stockholders’ equity64,682 62,376 60,623 59,389 57,223 4 13 62,575 57,802 8 
    
    
2

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 2: Selected Metrics—Consolidated
2021 Q3 vs.Nine Months Ended September 30,
(Dollars in millions, except as noted) 20212021202120202020202120202021 vs.
Q3Q2Q1Q4Q3Q2Q3202120202020
Performance Metrics
Net interest income growth (period over period)7 %(1)%(1)%6 %2 %****4 %(1)%**
Non-interest income growth (period over period)3 26 (12)(20)67 ****11 7 **
Total net revenue growth (period over period)6 4 (3)(1)13 ****5 — **
Total net revenue margin(5)
8.08 7.56 7.32 7.56 7.54 52 bps54 bps7.65 7.53 12 bps
Net interest margin(6)
6.35 5.89 5.99 6.05 5.68 46 67 6.08 6.06 2 
Return on average assets2.92 3.34 3.16 2.45 2.28 (42)64 3.14 0.05 309 
Return on average tangible assets(7)
3.03 3.46 3.27 2.54 2.36 (43)67 3.25 0.05 320 
Return on average common equity(8)
20.52 24.24 23.22 18.18 17.84 (372)268 22.64 (0.23)23%
Return on average tangible common equity(9)
27.50 32.75 31.61 25.02 24.98 (5)%252 30.57 (0.32)31
Non-interest expense as a percentage of average loans held for investment6.62 6.44 6.13 6.47 5.69 18 bps93 6.40 5.77 63 bps
Efficiency ratio(10)
53.46 53.78 52.58 54.64 48.07 (32)5%53.29 52.14 115 
Operating efficiency ratio(11)
43.87 45.38 45.54 46.97 44.24 (151)(37)bps44.90 47.20 (230)
Effective income tax rate for continuing operations 22.1 22.6 20.7 16.2 31.3 (50)(9)%21.8 (7.2)29%
Employees (period-end, in thousands)50.8 52.0 51.7 52.0 52.5 (2)%(3)50.8 52.5 (3)
Credit Quality Metrics
Allowance for credit losses$11,573 $12,346 $14,017 $15,564 $16,129 (6)%(28)%$11,573 $16,129 (28)%
Allowance coverage ratio4.43 %4.95 %5.77 %6.19 %6.50 %(52)bps(207)bps4.43 %6.50 %(207)bps
Net charge-offs$426 $541 $740 $856 $1,073 (21)%(60)%$1,707 $4,369 (61)%
Net charge-off rate(12)
0.67 %0.88 %1.21 %1.38 %1.72 %(21)bps(105)bps0.92 %2.28 %(136)bps
30+ day performing delinquency rate1.97 1.75 1.82 2.41 1.97 22 — 1.97 1.97 — 
30+ day delinquency rate2.13 1.89 1.98 2.61 2.22 24 (9)2.13 2.22 (9)
Capital Ratios(13)
Common equity Tier 1 capital
13.8 %14.5 %14.6 %13.7 %13.0 %(70)bps80 bps13.8 %13.0 %80 bps
Tier 1 capital15.7 16.6 16.2 15.3 14.8 (90)90 15.7 14.8 90 
Total capital18.2 18.8 18.6 17.7 17.3 (60)90 18.2 17.3 90 
Tier 1 leverage12.2 12.4 11.7 11.2 10.6 (20)160 12.2 10.6 160 
Tangible common equity (“TCE”)(14)
10.4 10.6 10.1 10.0 9.4 (20)100 10.4 9.4 100 
 
3

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 3: Consolidated Statements of Income
2021 Q3 vs.Nine Months Ended September 30,
20212021202120202020202120202021 vs.
(Dollars in millions, except per share data and as noted) Q3Q2Q1Q4Q3Q2Q3202120202020
Interest income:
Loans, including loans held for sale$6,205 $5,753 $5,854 $5,954 $5,758 8 %8 %$17,812 $18,120 (2)%
Investment securities317 370 391 422 443 (14)(28)1,078 1,455 (26)
Other16 16 16 15 14 — 14 48 67 (28)
Total interest income6,538 6,139 6,261 6,391 6,215 6 5 18,938 19,642 (4)
Interest expense:
Deposits228 237 269 347 476 (4)(52)734 1,818 (60)
Securitized debt obligations29 28 32 34 43 4 (33)89 198 (55)
Senior and subordinated notes116 122 129 128 132 (5)(12)367 551 (33)
Other borrowings9 9 9 9 9 — — 27 35 (23)
Total interest expense382 396 439 518 660 (4)(42)1,217 2,602 (53)
Net interest income6,156 5,743 5,822 5,873 5,555 7 11 17,721 17,040 4 
Provision (benefit) for credit losses(342)(1,160)(823)264 331 (71)**(2,325)10,000 **
Net interest income after provision for credit losses6,498 6,903 6,645 5,609 5,224 (6)24 20,046 7,040 185 
Non-interest income:
Interchange fees, net1,022 1,016 817 818 775 1 32 2,855 2,199 30 
Service charges and other customer-related fees407 384 352 338 320 6 27 1,143 905 26 
Net securities gains2 — 4 — 25 —(92)6 25 (76)
Other243 231 118 308 706 5 (66)592 1,017 (42)
Total non-interest income1,674 1,631 1,291 1,464 1,826 3 (8)4,596 4,146 11 
Non-interest expense:
Salaries and associate benefits1,852 1,781 1,847 1,755 1,719 4 8 5,480 5,050 9 
Occupancy and equipment481 523 472 572 506 (8)(5)1,476 1,546 (5)
Marketing751 620 501 563 283 21 165 1,872 1,047 79 
Professional services358 341 292 394 327 5 9 991 918 8 
Communications and data processing319 315 302 295 310 1 3 936 920 2 
Amortization of intangibles5 5 6 8 14 — (64)16 52 (69)
Other420 381 320 422 389 10 8 1,121 1,514 (26)
Total non-interest expense4,186 3,966 3,740 4,009 3,548 6 18 11,892 11,047 8 
Income from continuing operations before income taxes3,986 4,568 4,196 3,064 3,502 (13)14 12,750 139 **
Income tax provision (benefit)882 1,031 869 496 1,096 (14)(20)2,782 (10)**
Income from continuing operations, net of tax3,104 3,537 3,327 2,568 2,406 (12)29 9,968 149 **
Income (loss) from discontinued operations, net of tax— (1)(2)(2)— **— (3)(1)200 
Net income3,104 3,536 3,325 2,566 2,406 (12)29 9,965 148 **
Dividends and undistributed earnings allocated to participating securities(2)
(26)(30)(28)(19)(20)(13)30 (84)(5)**
Preferred stock dividends(79)(60)(61)(68)(67)32 18 (200)(212)(6)
Issuance cost for redeemed preferred stock(3)
(12)— — (17)— ****(12)(22)(45)
Net income (loss) available to common stockholders$2,987 $3,446 $3,236 $2,462 $2,319 (13)29 $9,669 $(91)**
4

2021 Q3 vs.Nine Months Ended September 30,
20212021202120202020202120202021 vs.
(Dollars in millions, except per share data and as noted)Q3Q2Q1Q4Q3Q2Q3202120202020
Basic earnings per common share:(2)
Net income (loss) from continuing operations$6.81 $7.65 $7.06 $5.36 $5.07 (11)%34 %$21.53 $(0.20)**
Income (loss) from discontinued operations— — — — — — — (0.01)— **
Net income (loss) per basic common share$6.81 $7.65 $7.06 $5.36 $5.07 (11)34 $21.52 $(0.20)**
Diluted earnings per common share:(2)
Net income (loss) from continuing operations$6.78 $7.62 $7.03 $5.35 $5.06 (11)34 $21.45 $(0.20)**
Income (loss) from discontinued operations— — — — — — — (0.01)— **
Net income (loss) per diluted common share$6.78 $7.62 $7.03 $5.35 $5.06 (11)34 $21.44 $(0.20)**
Weighted-average common shares outstanding (in millions):
Basic common shares438.8 450.6 458.6 459.1 457.8 (3)(4)449.2 457.4 (2)%
Diluted common shares440.5 452.3 460.1 460.2 458.5 (3)(4)450.9 457.4 (1)
5

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 4: Consolidated Balance Sheets
2021 Q3 vs.
2021202120212020202020212020
(Dollars in millions)Q3Q2Q1Q4Q3Q2Q3
Assets:
Cash and cash equivalents:
Cash and due from banks$5,444 $5,312 $4,670 $4,708 $4,267 2 %28 %
Interest-bearing deposits and other short-term investments21,180 29,534 45,825 35,801 39,839 (28)(47)
Total cash and cash equivalents26,624 34,846 50,495 40,509 44,106 (24)(40)
Restricted cash for securitization investors234 242 1,779 262 895 (3)(74)
Securities available for sale98,149 101,766 99,165 100,445 99,853 (4)(2)
Loans held for investment:
Unsecuritized loans held for investment238,475 226,130 219,182 225,698 217,878 5 9 
Loans held in consolidated trusts22,915 23,467 23,949 25,926 30,345 (2)(24)
Total loans held for investment261,390 249,597 243,131 251,624 248,223 5 5 
Allowance for credit losses(11,573)(12,346)(14,017)(15,564)(16,129)(6)(28)
Net loans held for investment249,817 237,251 229,114 236,060 232,094 5 8 
Loans held for sale6,300 6,522 2,896 2,710 3,433 (3)84 
Premises and equipment, net4,204 4,227 4,277 4,287 4,333 (1)(3)
Interest receivable1,418 1,372 1,380 1,471 1,551 3 (9)
Goodwill14,652 14,654 14,654 14,653 14,648 — — 
Other assets23,979 22,540 21,415 21,205 20,970 6 14 
Total assets$425,377 $423,420 $425,175 $421,602 $421,883 — 1 
6

2021 Q3 vs.
2021202120212020202020212020
(Dollars in millions) Q3Q2Q1Q4Q3Q2Q3
Liabilities:
Interest payable$241 $301 $288 $352 $332 (20)%(27)%
Deposits:
Non-interest-bearing deposits36,804 34,994 34,003 31,142 29,633 5 24 
Interest-bearing deposits269,134 271,314 276,325 274,300 276,092 (1)(3)
Total deposits305,938 306,308 310,328 305,442 305,725 — — 
Securitized debt obligations12,635 10,561 12,071 12,414 13,566 20 (7)
Other debt:
Federal funds purchased and securities loaned or sold under agreements to repurchase825 845 842 668 702 (2)18 
Senior and subordinated notes23,983 24,878 25,467 27,382 28,448 (4)(16)
Other borrowings58 59 70 75 79 (2)(27)
Total other debt24,866 25,782 26,379 28,125 29,229 (4)(15)
Other liabilities18,153 15,844 14,921 15,065 14,607 15 24 
Total liabilities361,833 358,796 363,987 361,398 363,459 1 — 
Stockholders’ equity:
Preferred stock0 0 0 0 0 — — 
Common stock7 7 7 7 7 — — 
Additional paid-in capital, net35,051 35,472 33,671 33,480 33,793 (1)4 
Retained earnings48,944 46,461 43,167 40,088 37,653 5 30 
Accumulated other comprehensive income1,360 1,792 1,783 3,494 3,833 (24)(65)
Treasury stock, at cost(21,818)(19,108)(17,440)(16,865)(16,862)14 29 
Total stockholders’ equity63,544 64,624 61,188 60,204 58,424 (2)9 
Total liabilities and stockholders’ equity$425,377 $423,420 $425,175 $421,602 $421,883 — 1 

7

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 5: Notes to Financial Summary, Selected Metrics and Consolidated Financial Statements (Tables 1—4)

(1)Total net revenue was reduced by $123 million in Q3 2021, $175 million in Q2 2021, $180 million in Q1 2021, $177 million in Q4 2020 and $235 million in Q3 2020 for credit card finance charges and fees charged-off as uncollectible.
(2)Dividends and undistributed earnings allocated to participating securities and earnings per share are computed independently for each period. Accordingly, the sum of each quarterly amount may not agree to the year-to-date total. We also provide adjusted diluted earnings per share, which is a non-GAAP measure. See “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures” for additional information on our non-GAAP measures.
(3)On March 2, 2020, we redeemed all outstanding shares of our fixed rate 6.00% non-cumulative perpetual preferred stock Series B, which increased our net loss available to common shareholders by $22 million in Q1 2020. On December 1, 2020, we redeemed all outstanding shares of our fixed rate 6.20% non-cumulative perpetual preferred stock Series F, which reduced our net income available to common shareholders by $17 million in Q4 2020. On September 1, 2021, we redeemed all outstanding shares of our fixed-to-floating rate non-cumulative perpetual preferred stock Series E, which reduced our net income available to common shareholders by $12 million in Q3 2021.
(4)Tangible book value per common share is a non-GAAP measure calculated based on tangible common equity divided by common shares outstanding. See “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures” for additional information on non-GAAP measures.
(5)Total net revenue margin is calculated based on annualized total net revenue for the period divided by average interest-earning assets for the period.
(6)Net interest margin is calculated based on annualized net interest income for the period divided by average interest-earning assets for the period.
(7)Return on average tangible assets is a non-GAAP measure calculated based on annualized income (loss) from continuing operations, net of tax, for the period divided by average tangible assets for the period. See “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures” for additional information on non-GAAP measures.
(8)Return on average common equity is calculated based on annualized net income (loss) available to common stockholders less annualized income (loss) from discontinued operations, net of tax, for the period, divided by average common equity. Our calculation of return on average common equity may not be comparable to similarly-titled measures reported by other companies.
(9)Return on average tangible common equity (“ROTCE”) is a non-GAAP measure calculated based on annualized net income (loss) available to common stockholders less annualized income (loss) from discontinued operations, net of tax, for the period, divided by average tangible common equity (“TCE”). Our calculation of return on average TCE may not be comparable to similarly-titled measures reported by other companies. See “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures” for additional information on non-GAAP measures.
(10)Efficiency ratio is calculated based on total non-interest expense for the period divided by total net revenue for the period. We also provide an adjusted efficiency ratio, which is a non-GAAP measure. See “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures” for additional information on our non-GAAP measures.
(11)Operating efficiency ratio is calculated based on operating expense for the period divided by total net revenue for the period. We also provide an adjusted operating efficiency ratio, which is a non-GAAP measure. See “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures” for additional information on our non-GAAP measures.
(12)Net charge-off rate is calculated based on annualized net charge-offs for the period divided by average loans held for investment for the period.
(13)Capital ratios as of the end of Q3 2021 are preliminary and therefore subject to change. See “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures” for information on the calculation of each of these ratios.
(14)TCE ratio is a non-GAAP measure calculated based on TCE divided by tangible assets. See “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures” for additional information on non-GAAP measures.
**    Not meaningful.
8

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 6: Average Balances, Net Interest Income and Net Interest Margin
2021 Q32021 Q22020 Q3
(Dollars in millions, except as noted)Average BalanceInterest Income/ ExpenseYield/RateAverage BalanceInterest Income/ ExpenseYield/RateAverage BalanceInterest Income/ ExpenseYield/Rate
Interest-earning assets:
Loans, including loans held for sale$260,235 $6,205 9.54 %$249,280 $5,753 9.23 %$250,525 $5,758 9.19 %
Investment securities(1)
98,802 317 1.28 100,071 370 1.48 91,777 443 1.93 
Cash equivalents and other28,729 16 0.22 40,778 16 0.16 49,149 14 0.11 
Total interest-earning assets$387,766 $6,538 6.74 $390,129 $6,139 6.29 $391,451 $6,215 6.35 
Interest-bearing liabilities:
Interest-bearing deposits$269,278 $228 0.34 $273,476 $237 0.35 $276,339 $476 0.69 
Securitized debt obligations12,420 29 0.93 10,890 28 1.03 15,032 43 1.14 
Senior and subordinated notes24,241 116 1.91 25,487 122 1.92 28,497 132 1.86 
Other borrowings and liabilities2,357 9 1.49 2,198 9 1.67 2,119 9 1.77 
Total interest-bearing liabilities$308,296 $382 0.49 $312,051 $396 0.50 $321,987 $660 0.82 
Net interest income/spread$6,156 6.25 $5,743 5.79 $5,555 5.53 
Impact of non-interest-bearing funding0.10 0.10 0.15 
Net interest margin6.35 %5.89 %5.68 %
                                                                                                                                                                                                                                    
Nine Months Ended September 30,
20212020
(Dollars in millions, except as noted)Average BalanceInterest Income/ ExpenseYield/RateAverage BalanceInterest Income/ ExpenseYield/Rate
Interest-earning assets:
Loans, including loans held for sale$252,113 $17,812 9.42 %$256,165 $18,120 9.43 %
Investment securities99,059 1,078 1.45 83,724 1,455 2.32 
Cash equivalents and other37,648 48 0.17 35,152 67 0.25 
Total interest-earning assets$388,820 $18,938 6.49 $375,041 $19,642 6.98 
Interest-bearing liabilities:
Interest-bearing deposits$272,022 $734 0.36 $259,631 $1,818 0.93 
Securitized debt obligations11,851 89 1.00 16,500 198 1.60 
Senior and subordinated notes25,555 367 1.92 30,371 551 2.42 
Other borrowings and liabilities2,256 27 1.59 3,147 35 1.50 
Total interest-bearing liabilities$311,684 $1,217 0.52 $309,649 $2,602 1.12 
Net interest income/spread$17,721 5.97 $17,040 5.86 
Impact of non-interest-bearing funding0.11 0.20 
Net interest margin6.08 %6.06 %

9

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 7: Loan Information and Performance Statistics
2021 Q3 vs.Nine Months Ended September 30,
2021202120212020202020212020202120202021 vs. 2020
(Dollars in millions, except as noted) Q3Q2Q1Q4Q3Q2Q3
Loans Held for Investment (Period-End)
Credit card:
   Domestic credit card(2)
$99,258 $95,309 $91,099 $98,504 $95,541 4 %4 %$99,258 $95,541 4 %
   International card businesses(3)
5,772 5,708 8,028 8,452 8,100 1 (29)5,772 8,100 (29)
Total credit card105,030 101,017 99,127 106,956 103,641 4 1 105,030 103,641 1 
Consumer banking:
   Auto74,716 71,713 67,059 65,762 65,394 4 14 74,716 65,394 14 
   Retail banking2,396 3,046 3,143 3,126 3,294 (21)(27)2,396 3,294 (27)
Total consumer banking77,112 74,759 70,202 68,888 68,688 3 12 77,112 68,688 12 
Commercial banking:
   Commercial and multifamily real estate(4)
33,096 29,616 30,008 30,681 31,197 12 6 33,096 31,197 6 
   Commercial and industrial46,152 44,205 43,794 45,099 44,697 4 3 46,152 44,697 3 
Total commercial banking79,248 73,821 73,802 75,780 75,894 7 4 79,248 75,894 4 
Total loans held for investment$261,390 $249,597 $243,131 $251,624 $248,223 5 5 $261,390 $248,223 5 
Loans Held for Investment (Average)
Credit card:
   Domestic credit card$96,309 $91,535 $92,594 $95,453 $97,306 5 %(1)%$93,493 $103,980 (10)%
   International card businesses5,737 8,139 7,940 8,108 8,061 (30)(29)7,264 8,292 (12)
Total credit card102,046 99,674 100,534 103,561 105,367 2 (3)100,757 112,272 (10)
Consumer banking:
   Auto73,296 69,543 66,185 65,590 64,476 5 14 69,700 62,434 12 
   Retail banking2,700 3,162 3,049 3,218 3,346 (15)(19)2,969 3,023 (2)
Total consumer banking75,996 72,705 69,234 68,808 67,822 5 12 72,669 65,457 11 
Commercial banking:
   Commercial and multifamily real estate30,314 30,124 29,856 30,825 30,918 1 (2)30,100 31,239 (4)
   Commercial and industrial44,745 43,960 44,313 44,495 45,404 2 (1)44,341 46,264 (4)
Total commercial banking75,059 74,084 74,169 75,320 76,322 1 (2)74,441 77,503 (4)
Total average loans held for investment$253,101 $246,463 $243,937 $247,689 $249,511 3 1 $247,867 $255,232 (3)
10

2021 Q3 vs.Nine Months Ended September 30,
2021202120212020202020212020202120202021 vs. 2020
Q3Q2Q1Q4Q3Q2Q3
Net Charge-Off (Recovery) Rates
Credit card:
   Domestic credit card1.36 %2.28 %2.54 %2.69 %3.64 %(92)bps(228)bps2.05 %4.31 %(226)bps
   International card businesses2.72 2.41 2.30 1.86 2.89 31 (17)2.45 3.71 (126)
Total credit card1.43 2.29 2.52 2.63 3.58 (86)(215)2.08 4.26 (218)
Consumer banking:
   Auto0.18 (0.12)0.47 0.47 0.23 30 (5)0.17 0.95 (78)
   Retail banking2.45 1.41 1.68 1.88 1.38 104 107 1.82 1.80 2 
Total consumer banking0.27 (0.06)0.52 0.53 0.28 33 (1)0.24 0.99 (75)
Commercial banking:
   Commercial and multifamily real estate0.01 0.04 0.06 0.02 0.41 (3)(40)0.04 0.17 (13)
   Commercial and industrial0.07 (0.21)0.11 0.74 0.45 28 (38)(0.01)0.73 (74)
Total commercial banking0.05 (0.11)0.09 0.45 0.43 16 (38)0.01 0.50 (49)
Total net charge-offs0.67 0.88 1.21 1.38 1.72 (21)(105)0.92 2.28 (136)
30+ Day Performing Delinquency Rates
Credit card:
   Domestic credit card1.93 %1.68 %2.24 %2.42 %2.21 %25 bps(28)bps1.93 %2.21 %(28)bps
   International card businesses3.27 2.89 2.51 2.61 2.15 38 112 3.27 2.15 112 
Total credit card2.00 1.75 2.26 2.44 2.20 25 (20)2.00 2.20 (20)
Consumer banking:
   Auto3.65 3.26 3.12 4.78 3.76 39 (11)3.65 3.76 (11)
   Retail banking1.15 0.79 1.02 1.32 0.83 36 32 1.15 0.83 32 
Total consumer banking3.58 3.16 3.03 4.62 3.62 42 (4)3.58 3.62 (4)
Nonperforming Loans and Nonperforming Assets Rates(5)(6)
Credit card:
   International card businesses0.16 %0.20 %0.17 %0.24 %0.25 %(4)bps(9)bps0.16 %0.25 %(9)bps
Total credit card0.01 0.01 0.01 0.02 0.02 — (1)0.01 0.02 (1)
Consumer banking:
   Auto0.36 0.29 0.29 0.45 0.36 7 — 0.36 0.36 — 
   Retail banking2.20 1.75 1.16 0.96 0.77 45 143 2.20 0.77 143 
Total consumer banking0.42 0.35 0.33 0.47 0.38 7 4 0.42 0.38 4 
Commercial banking:
   Commercial and multifamily real estate0.87 1.02 0.78 0.65 0.58 (15)29 0.87 0.58 29 
   Commercial and industrial0.68 1.03 1.02 1.00 1.31 (35)(63)0.68 1.31 (63)
Total commercial banking0.76 1.03 0.92 0.86 1.01 (27)(25)0.76 1.01 (25)
Total nonperforming loans0.35 0.41 0.38 0.40 0.42 (6)(7)0.35 0.42 (7)
Total nonperforming assets0.37 0.43 0.40 0.41 0.44 (6)(7)0.37 0.44 (7)
11

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 8: Allowance for Credit Losses and Reserve for Unfunded Lending Commitments Activity
Three Months Ended September 30, 2021
Credit CardConsumer Banking
(Dollars in millions) Domestic CardInternational Card BusinessesTotal Credit CardAutoRetail BankingTotal Consumer BankingCommercial BankingTotal
Allowance for credit losses:
Balance as of June 30, 2021$8,489 $384 $8,873 $2,122 $81 $2,203 $1,270 $12,346 
Charge-offs(658)(77)(735)(244)(20)(264)(20)(1,019)
Recoveries331 38 369 210 3 213 11 593 
Net charge-offs(327)(39)(366)(34)(17)(51)(9)(426)
Provision (benefit) for credit losses(200)2 (198)(100)9 (91)(55)(344)
Allowance build (release) for credit losses(527)(37)(564)(134)(8)(142)(64)(770)
Other changes(7)
6 (9)(3)— — — — (3)
Balance as of September 30, 20217,968 338 8,306 1,988 73 2,061 1,206 11,573 
Reserve for unfunded lending commitments:
Balance as of June 30, 2021— — — — — — 164 164 
Provision (benefit) for losses on unfunded lending commitments— — — — — — 2 2 
Balance as of September 30, 2021— — — — — — 166 166 
Combined allowance and reserve as of September 30, 2021$7,968 $338 $8,306 $1,988 $73 $2,061 $1,372 $11,739 

Nine Months Ended September 30, 2021
Credit CardConsumer Banking
(Dollars in millions) Domestic CardInternational Card BusinessesTotal Credit CardAutoRetail BankingTotal Consumer BankingCommercial BankingTotal
Allowance for credit losses:
Balance as of December 31, 2020$10,650 $541 $11,191 $2,615 $100 $2,715 $1,658 $15,564 
Charge-offs(2,436)(259)(2,695)(813)(53)(866)(47)(3,608)
Recoveries1,000 125 1,125 723 12 735 41 1,901 
Net charge-offs(1,436)(134)(1,570)(90)(41)(131)(6)(1,707)
Provision (benefit) for credit losses(1,252)(73)(1,325)(537)14 (523)(446)(2,294)
Allowance build (release) for credit losses(2,688)(207)(2,895)(627)(27)(654)(452)(4,001)
Other changes(7)
6 4 10 — — — — 10 
Balance as of September 30, 20217,968 338 8,306 1,988 73 2,061 1,206 11,573 
Reserve for unfunded lending commitments:
Balance as of December 31, 2020— — — — — — 195 195 
Provision (benefit) for losses on unfunded lending commitments— — — — — — (29)(29)
Balance as of September 30, 2021— — — — — — 166 166 
Combined allowance and reserve as of September 30, 2021$7,968 $338 $8,306 $1,988 $73 $2,061 $1,372 $11,739 
12

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 9: Financial Summary—Business Segment Results
Three Months Ended September 30, 2021Nine Months Ended September 30, 2021
(Dollars in millions)Credit CardConsumer Banking
Commercial Banking(8)
Other(8)
TotalCredit CardConsumer Banking
Commercial Banking(8)
Other(8)
Total
Net interest income (loss)$3,620 $2,159 $578 $(201)$6,156 $10,209 $6,290 $1,558 $(336)$17,721 
Non-interest income (loss)1,263 127 306 (22)1,674 3,545 412 803 (164)4,596 
Total net revenue (loss)4,883 2,286 884 (223)7,830 13,754 6,702 2,361 (500)22,317 
Provision (benefit) for credit losses(198)(91)(53)— (342)(1,325)(523)(475)(2)(2,325)
Non-interest expense2,424 1,186 459 117 4,186 6,822 3,426 1,295 349 11,892 
Income (loss) from continuing operations before income taxes2,657 1,191 478 (340)3,986 8,257 3,799 1,541 (847)12,750 
Income tax provision (benefit)627 282 113 (140)882 1,952 897 364 (431)2,782 
Income (loss) from continuing operations, net of tax$2,030 $909 $365 $(200)$3,104 $6,305 $2,902 $1,177 $(416)$9,968 
Three Months Ended June 30, 2021
(Dollars in millions) Credit CardConsumer Banking
Commercial Banking(8)
Other(8)
Total
Net interest income (loss)$3,217 $2,101 $460 $(35)$5,743 
Non-interest income (loss)1,253 144 257 (23)1,631 
Total net revenue (loss)4,470 2,245 717 (58)7,374 
Provision (benefit) for credit losses(635)(306)(219)— (1,160)
Non-interest expense2,263 1,123 417 163 3,966 
Income (loss) from continuing operations before income taxes2,842 1,428 519 (221)4,568 
Income tax provision (benefit)672 337 123 (101)1,031 
Income (loss) from continuing operations, net of tax$2,170 $1,091 $396 $(120)$3,537 
Three Months Ended September 30, 2020Nine Months Ended September 30, 2020
(Dollars in millions) Credit CardConsumer Banking
Commercial Banking(8)
Other(8)
TotalCredit CardConsumer Banking
Commercial Banking(8)
Other(8)
Total
Net interest income (loss)$3,292 $1,904 $517 $(158)$5,555 $10,363 $5,226 $1,526 $(75)$17,040 
Non-interest income1,013 107 237 469 1,826 2,769 330 655 392 4,146 
Total net revenue4,305 2,011 754 311 7,381 13,132 5,556 2,181 317 21,186 
Provision (benefit) for credit losses450 (43)(74)(2)331 7,096 1,693 1,209 2 10,000 
Non-interest expense2,003 1,011 424 110 3,548 6,180 3,038 1,261 568 11,047 
Income (loss) from continuing operations before income taxes1,852 1,043 404 203 3,502 (144)825 (289)(253)139 
Income tax provision (benefit)438 247 95 316 1,096 (34)195 (69)(102)(10)
Income (loss) from continuing operations, net of tax$1,414 $796 $309 $(113)$2,406 $(110)$630 $(220)$(151)$149 

13

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 10: Financial & Statistical Summary—Credit Card Business
2021 Q3 vs.Nine Months Ended September 30,
20212021202120202020202120202021 vs.
(Dollars in millions, except as noted) Q3Q2Q1Q4Q3Q2Q3202120202020
Credit Card
Earnings:
Net interest income $3,620 $3,217 $3,372 $3,413 $3,292 13%10%$10,209 $10,363 (1)%
Non-interest income 1,263 1,253 1,029 1,054 1,013 1 25 3,545 2,769 28 
Total net revenue4,883 4,470 4,401 4,467 4,305 9 13 13,754 13,132 5 
Provision (benefit) for credit losses(198)(635)(492)231 450 (69)**(1,325)7,096 **
Non-interest expense2,424 2,263 2,135 2,311 2,003 7 21 6,822 6,180 10 
Income (loss) from continuing operations before income taxes2,657 2,842 2,758 1,925 1,852 (7)43 8,257 (144)**
Income tax provision (benefit)627 672 653 454 438 (7)43 1,952 (34)**
Income (loss) from continuing operations, net of tax$2,030 $2,170 $2,105 $1,471 $1,414 (6)44 $6,305 $(110)**
Selected performance metrics:
Period-end loans held for investment(2)(3)
$105,030 $101,017 $99,127 $106,956 $103,641 4 1 $105,030 $103,641 1 
Average loans held for investment102,046 99,674 100,534 103,561 105,367 2 (3)100,757 112,272 (10)
Average yield on loans outstanding(9)
14.88 %14.04 %14.49 %14.24 %13.83 %84 bps105 bps14.47 %14.03 %44 bps
Total net revenue margin(10)
18.33 17.59 17.17 16.92 16.34 74 199 17.70 15.59 211 
Net charge-off rate1.43 2.29 2.52 2.63 3.58 (86)(215)2.08 4.26 (218)
30+ day performing delinquency rate2.00 1.75 2.26 2.44 2.20 25 (20)2.00 2.20 (20)
30+ day delinquency rate2.00 1.75 2.27 2.45 2.21 25 (21)2.00 2.21 (21)
Nonperforming loan rate(5)
0.01 0.01 0.01 0.02 0.02 — (1)0.01 0.02 (1)
Purchase volume(11)
$136,614 $132,676 $108,333 $117,141 $107,102 3%28%$377,623 $297,171 27%
14

2021 Q3 vs.Nine Months Ended September 30,
20212021202120202020202120202021 vs.
(Dollars in millions, except as noted)Q3Q2Q1Q4Q3Q2Q3202120202020
Domestic Card
Earnings:
Net interest income $3,319 $2,944 $3,095 $3,129 $2,995 13%11%$9,358 $9,470 (1)%
Non-interest income 1,200 1,183 959 994 952 1 26 3,342 2,589 29 
Total net revenue4,519 4,127 4,054 4,123 3,947 9 14 12,700 12,059 5 
Provision (benefit) for credit losses(200)(561)(491)231 378 (64)**(1,252)6,748 **
Non-interest expense2,191 2,034 1,923 2,063 1,802 8 22 6,148 5,562 11 
Income (loss) from continuing operations before income taxes2,528 2,654 2,622 1,829 1,767 (5)43 7,804 (251)**
Income tax provision (benefit)597 626 619 433 419 (5)42 1,842 (59)**
Income (loss) from continuing operations, net of tax$1,931 $2,028 $2,003 $1,396 $1,348 (5)43 $5,962 $(192)**
Selected performance metrics:
Period-end loans held for investment(2)
$99,258 $95,309 $91,099 $98,504 $95,541 4 4 $99,258 $95,541 4 
Average loans held for investment96,309 91,535 92,594 95,453 97,306 5 (1)93,493 103,980 (10)
Average yield on loans outstanding(9)
14.80 %13.91 %14.34 %14.07 %13.57 %89 bps123 bps14.36 %13.82 %54 bps
Total net revenue margin(10)
18.40 17.66 17.15 16.91 16.22 74 218 17.74 15.46 228 
Net charge-off rate1.36 2.28 2.54 2.69 3.64 (92)(228)2.05 4.31 (226)
30+ day performing delinquency rate1.93 1.68 2.24 2.42 2.21 25 (28)1.93 2.21 (28)
Purchase volume(11)
$126,057 $122,456 $99,960 $107,572 $98,107 3%28%$348,472 $273,215 28%
Refreshed FICO scores:(12)
Greater than 66071 %72 %70 %69 %69 %(1)2 71 %69 %2 
660 or below29 28 30 31 31 1 (2)29 31 (2)
Total100 %100 %100 %100 %100 %100 %100 %
15

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 11: Financial & Statistical Summary—Consumer Banking Business
2021 Q3 vs.Nine Months Ended September 30,
20212021202120202020202120202021 vs.
(Dollars in millions, except as noted)Q3Q2Q1Q4Q3Q2Q3202120202020
Consumer Banking
Earnings:
Net interest income $2,159 $2,101 $2,030 $2,012 $1,904 3%13%$6,290 $5,226 20%
Non-interest income 127 144 141 136 107 (12)19 412 330 25 
Total net revenue2,286 2,245 2,171 2,148 2,011 2 14 6,702 5,556 21 
Provision (benefit) for credit losses(91)(306)(126)60 (43)(70)112 (523)1,693 **
Non-interest expense1,186 1,123 1,117 1,121 1,011 6 17 3,426 3,038 13 
Income from continuing operations before income taxes1,191 1,428 1,180 967 1,043 (17)14 3,799 825 **
Income tax provision282 337 278 230 247 (16)14 897 195 **
Income from continuing operations, net of tax$909 $1,091 $902 $737 $796 (17)14 $2,902 $630 **
Selected performance metrics:
Period-end loans held for investment$77,112 $74,759 $70,202 $68,888 $68,688 3 12 $77,112 $68,688 12 
Average loans held for investment75,996 72,705 69,234 68,808 67,822 5 12 72,669 65,457 11 
Average yield on loans held for investment(9)
7.78 %7.99 %8.16 %8.28 %8.36 %(21)bps(58)bps7.97 %8.41 %(44)bps
Auto loan originations$11,570 $12,959 $8,833 $7,371 $8,979 (11)%29%$33,362 $24,910 34%
Period-end deposits252,387 251,155 254,001 249,815 249,684 — 1 252,387 249,684 1 
Average deposits251,307 252,488 249,499 249,419 248,418 — 1 251,105 231,988 8 
Average deposits interest rate0.30 %0.31 %0.36 %0.47 %0.66 %(1)bps(36)bps0.32 %0.86 %(54)bps
Net charge-off (recovery) rate0.27 (0.06)0.52 0.53 0.28 33 (1)0.24 0.99 (75)
30+ day performing delinquency rate3.58 3.16 3.03 4.62 3.62 42 (4)3.58 3.62 (4)
30+ day delinquency rate3.88 3.40 3.25 5.00 3.90 48 (2)3.88 3.90 (2)
Nonperforming loan rate(5)
0.42 0.35 0.33 0.47 0.38 7 4 0.42 0.38 4 
Nonperforming asset rate(6)
0.47 0.40 0.39 0.54 0.43 7 4 0.47 0.43 4 
Auto—At origination FICO scores:(13)
Greater than 66049 %48 %47 %46 %46 %1%3%49 %46 %3%
621 - 66020 20 20 20 20 — — 20 20 — 
620 or below31 32 33 34 34 (1)(3)31 34 (3)
Total100 %100 %100 %100 %100 %100 %100 %
16

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 12: Financial & Statistical Summary—Commercial Banking Business
2021 Q3 vs.Nine Months Ended September 30,
20212021202120202020202120202021 vs.
(Dollars in millions, except as noted) Q3Q2Q1Q4Q3Q2Q3202120202020
Commercial Banking
Earnings:
Net interest income $578 $460 $520 $522 $517 26%12%$1,558 $1,526 2%
Non-interest income306 257 240 268 237 19 29 803 655 23 
Total net revenue(8)
884 717 760 790 754 23 17 2,361 2,181 8 
Provision (benefit) for credit losses(53)(219)(203)(28)(74)(76)(28)(475)1,209 **
Non-interest expense459 417 419 445 424 10 8 1,295 1,261 3 
Income (loss) from continuing operations before income taxes478 519 544 373 404 (8)18 1,541 (289)**
Income tax provision (benefit)113 123 128 88 95 (8)19 364 (69)**
Income (loss) from continuing operations, net of tax$365 $396 $416 $285 $309 (8)18 $1,177 $(220)**
Selected performance metrics:
Period-end loans held for investment(4)
$79,248 $73,821 $73,802 $75,780 $75,894 7 4 $79,248 $75,894 4 
Average loans held for investment75,059 74,084 74,169 75,320 76,322 1 (2)74,441 77,503 (4)
Average yield on loans held for investment(8)(9)
2.77 %2.72 %2.76 %2.83 %2.82 %5 bps(5)bps2.75 %3.23 %(48)bps
Period-end deposits$43,347 $42,973 $41,552 $39,590 $36,783 1%18%$43,347 $36,783 18%
Average deposits42,729 42,311 40,107 38,676 36,278 1 18 41,725 34,391 21 
Average deposits interest rate0.15 %0.14 %0.18 %0.23 %0.25 %1 bps(10)bps0.15 %0.47 %(32)bps
Net charge-off (recovery) rate0.05 (0.11)0.09 0.45 0.43 16 (38)0.01 0.50 (49)
Nonperforming loan rate(5)
0.76 1.03 0.92 0.86 1.01 (27)(25)0.76 1.01 (25)
Nonperforming asset rate(6)
0.76 1.03 0.92 0.86 1.01 (27)(25)0.76 1.01 (25)
Risk category:(14)
Noncriticized$73,218 $67,481 $66,299 $67,964 $68,533 9%7%$73,218 $68,533 7%
Criticized performing5,429 5,581 6,821 7,166 6,593 (3)(18)5,429 6,593 (18)
Criticized nonperforming601 759 682 650 768 (21)(22)601 768 (22)
Total commercial banking loans$79,248 $73,821 $73,802 $75,780 $75,894 7 4 $79,248 $75,894 4 
Risk category as a percentage of period-end loans held for investment:(14)
Noncriticized92.3 %91.4 %89.9 %89.6 %90.3 %90 bps200 bps92.3 %90.3 %200 bps
Criticized performing6.9 7.6 9.2 9.5 8.7 (70)(180)6.9 8.7 (180)
Criticized nonperforming0.8 1.0 0.9 0.9 1.0 (20)(20)0.8 1.0 (20)
Total commercial banking loans100.0 %100.0 %100.0 %100.0 %100.0 %100.0 %100.0 %
17

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 13: Financial & Statistical Summary—Other and Total
2021 Q3 vs.Nine Months Ended September 30,
20212021202120202020202120202021 vs.
(Dollars in millions)Q3Q2Q1Q4Q3Q2Q3202120202020
Other
Earnings:
Net interest income (loss)$(201)$(35)$(100)$(74)$(158)**27 %$(336)$(75)**
Non-interest income (loss)(22)(23)(119)6 469 (4)%**(164)392 **
Total net revenue (loss)(8)
(223)(58)(219)(68)311 ****(500)317 **
Provision (benefit) for credit losses— — (2)1 (2)—**(2)2 **
Non-interest expense(15)
117 163 69 132 110 (28)6 349 568 (39)%
Income (loss) from continuing operations before income taxes(340)(221)(286)(201)203 54 **(847)(253)**
Income tax provision (benefit)(140)(101)(190)(276)316 39 **(431)(102)**
Income (loss) from continuing operations, net of tax$(200)$(120)$(96)$75 $(113)67 77 $(416)$(151)175 
Selected performance metrics:
Period-end deposits$10,204 $12,180 $14,775 $16,037 $19,258 (16)(47)$10,204 $19,258 (47)
Average deposits10,999 13,418 15,450 16,418 20,820 (18)(47)13,272 19,863 (33)
Total
Earnings:
Net interest income$6,156 $5,743 $5,822 $5,873 $5,555 7 %11 %$17,721 $17,040 4 %
Non-interest income1,674 1,631 1,291 1,464 1,826 3 (8)4,596 4,146 11 
Total net revenue7,830 7,374 7,113 7,337 7,381 6 6 22,317 21,186 5 
Provision (benefit) for credit losses(342)(1,160)(823)264 331 (71)**(2,325)10,000 **
Non-interest expense4,186 3,966 3,740 4,009 3,548 6 18 11,892 11,047 8 
Income from continuing operations before income taxes3,986 4,568 4,196 3,064 3,502 (13)14 12,750 139 **
Income tax provision (benefit)882 1,031 869 496 1,096 (14)(20)2,782 (10)**
Income from continuing operations, net of tax$3,104 $3,537 $3,327 $2,568 $2,406 (12)29 $9,968 $149 **
Selected performance metrics:
Period-end loans held for investment$261,390 $249,597 $243,131 $251,624 $248,223 5 5 $261,390 $248,223 5 
Average loans held for investment253,101 246,463 243,937 247,689 249,511 3 1 247,867 255,232 (3)
Period-end deposits305,938 306,308 310,328 305,442 305,725 — — 305,938 305,725 — 
Average deposits305,035 308,217 305,056 304,513 305,516 (1)— 306,102 286,242 7 
18

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 14: Notes to Net Interest Margin, Loan, Allowance and Business Segment Disclosures (Tables 6—13)

(1)Includes a catch-up in amortization expense related to prepayment activity on certain securities that reduced yield by 20 basis points for the three months ended September 30, 2021.
(2)We reclassified $2.1 billion in partnership loans to held for sale as of September 30, 2020.
(3)We reclassified $2.6 billion in international partnership loans to held for sale as of June 30, 2021.
(4)We reclassified $1.5 billion in commercial loans to held for sale as of June 30, 2021.
(5)Nonperforming loan rates are calculated based on nonperforming loans for each category divided by period-end total loans held for investment for each respective category.
(6)Nonperforming assets consist of nonperforming loans, repossessed assets and other foreclosed assets. The total nonperforming asset rate is calculated based on total nonperforming assets divided by the combined period-end total loans held for investment, repossessed assets and other foreclosed assets.
(7)Primarily represents foreign currency translation adjustments.
(8)Some of our commercial investments generate tax-exempt income, tax credits or other tax benefits. Accordingly, we present our Commercial Banking revenue and yields on a taxable-equivalent basis, calculated using the federal statutory tax rate of 21% and state taxes where applicable, with offsetting reductions to the Other category.
(9)Average yield is calculated based on annualized interest income for the period divided by average loans during the period. Annualized interest income does not include any allocations, such as funds transfer pricing.
(10)Total net revenue margin is calculated based on total net revenue for the period divided by average loans outstanding during the period.
(11)Purchase volume consists of purchase transactions, net of returns, for the period, and excludes cash advance and balance transfer transactions.
(12)Percentages represent period-end loans held for investment in each credit score category. Domestic card credit scores generally represent FICO scores. These scores are obtained from one of the major credit bureaus at origination and are refreshed monthly thereafter. We approximate non-FICO credit scores to comparable FICO scores for consistency purposes. Balances for which no credit score is available or the credit score is invalid are included in the 660 or below category.
(13)Percentages represent period-end loans held for investment in each credit score category. Auto credit scores generally represent average FICO scores obtained from three credit bureaus at the time of application and are not refreshed thereafter. Balances for which no credit score is available or the credit score is invalid are included in the 620 or below category.
(14)Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities.
(15)Includes charges incurred as a result of restructuring activities.
**    Not meaningful.
19

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures(1)
Basel III Standardized Approach
(Dollars in millions, except as noted) September 30,
2021		June 30,
2021		March 31,
2021		December 31,
2020		September 30,
2020
Regulatory Capital Metrics
Common equity excluding AOCI$58,705$58,969$57,607$55,299$52,839
Adjustments:
AOCI, net of tax(2)
(33)(5)(13)(29)(122)
Goodwill, net of related deferred tax liabilities(14,435)(14,440)(14,444)(14,448)(14,448)
Intangible assets, net of related deferred tax liabilities(84)(76)(81)(86)(95)
Other(15)(16)(18)——
Common equity Tier 1 capital$44,138$44,432$43,051$40,736$38,174
Tier 1 capital$50,049$50,920$47,898$45,583$43,505
Total capital(3)
57,85157,93254,78052,78850,955
Risk-weighted assets318,727307,334295,209297,903293,852
Adjusted average assets(4)
411,216411,032408,596406,762409,602
Capital Ratios
Common equity Tier 1 capital(5)
13.8 %14.5 %14.6 %13.7 %13.0 %
Tier 1 capital(6)
15.7 16.6 16.2 15.3 14.8 
Total capital(7)
18.2 18.8 18.6 17.7 17.3 
Tier 1 leverage(4)
12.2 12.4 11.7 11.2 10.6 
Tangible common equity (“TCE”)(8)
10.4 10.6 10.1 10.0 9.4 


20

Reconciliation of Non-GAAP Measures

The following non-GAAP measures consist of our adjusted results that we believe help investors and users of our financial information understand the effect of adjusting items on our selected reported results. These adjusted results provide alternate measurements of our operating performance, both for the current period and trends across multiple periods. The following tables present reconciliations of these non-GAAP measures to the applicable amounts measured in accordance with GAAP.

20212020Nine Months Ended September 30,
(Dollars in millions, except per share data and as noted)Q3Q2Q1Q3Q2Q120212020
Adjusted diluted EPS:
Net income (loss) available to common stockholders (GAAP)$2,987$3,446$3,236$2,319$(1,009)$(1,420)$9,669$(91)
Legal reserve activity, including insurance recoveries4555—4026545100350
U.K. Payment Protection Insurance customer refund reserve (“U.K. PPI Reserve”)———(36)———(36)
Cybersecurity Incident expenses, net of insurance———6114—21
Adjusted net income (loss) available to common stockholders before income tax impacts (non-GAAP)3,0323,5013,2362,329(733)(1,371)9,769244
Income tax impacts(11)(13)—(12)(3)(12)(24)(27)
Adjusted net income (loss) available to common stockholders (non-GAAP)$3,021$3,488$3,236$2,317$(736)$(1,383)$9,745$217
Diluted weighted-average common shares outstanding (in millions) (GAAP)440.5452.3460.1458.5456.7457.6450.9457.4
Diluted EPS (GAAP)$6.78$7.62$7.03$5.06$(2.21)$(3.10)$21.44$(0.20)
Impact of adjustments noted above0.080.09—(0.01)0.600.080.170.67
Adjusted diluted EPS (non-GAAP)$6.86$7.71$7.03$5.05$(1.61)$(3.02)$21.61$0.47
Adjusted efficiency ratio:
Non-interest expense (GAAP)$4,186$3,966$3,740$3,548$3,770$3,729$11,892$11,047
Legal reserve activity, including insurance recoveries(45)(55)—(40)(265)(45)(100)(350)
Cybersecurity Incident expenses, net of insurance———(6)(11)(4)—(21)
Adjusted non-interest expense (non-GAAP)$4,141$3,911$3,740$3,502$3,494$3,680$11,792$10,676
Total net revenue (GAAP)$7,830$7,374$7,113$7,381$6,556$7,249$22,317$21,186
U.K. PPI Reserve———(36)———(36)
Adjusted net revenue (non-GAAP)$7,830$7,374$7,113$7,345$6,556$7,249$22,317$21,150
Efficiency ratio (GAAP)53.46%53.78%52.58%48.07%57.50%51.44%53.29%52.14%
Impact of adjustments noted above(57)bps(74)bps—bps(39)bps(421)bps(67)bps(45)bps(166)bps
Adjusted efficiency ratio (non-GAAP)52.89%53.04%52.58%47.68%53.29%50.77%52.84%50.48%
21

20212020Nine Months Ended September 30,
(Dollars in millions, except per share data and as noted)Q3Q2Q1Q3Q2Q120212020
Adjusted operating efficiency ratio:
Operating expense (GAAP)$3,435$3,346$3,239$3,265$3,497$3,238$10,020$10,000
Legal reserve activity, including insurance recoveries(45)(55)—(40)(265)(45)(100)(350)
Cybersecurity Incident expenses, net of insurance———(6)(11)(4)—(21)
Adjusted operating expense (non-GAAP)$3,390$3,291$3,239$3,219$3,221$3,189$9,920$9,629
Total net revenue (GAAP)$7,830$7,374$7,113$7,381$6,556$7,249$22,317$21,186
U.K. PPI Reserve———(36)———(36)
Adjusted net revenue (non-GAAP)$7,830$7,374$7,113$7,345$6,556$7,249$22,317$21,150
Operating efficiency ratio (GAAP)43.87%45.38%45.54%44.24%53.34%44.67%44.90%47.20%
Impact of adjustments noted above(57)bps(75)bps—bps(41)bps(421)bps(68)bps(45)bps(167)bps
Adjusted operating efficiency ratio (non-GAAP)43.30%44.63%45.54%43.83%49.13%43.99%44.45%45.53%

22

Reconciliation of Non-GAAP Measures

The following non-GAAP measures consist of TCE, tangible assets and metrics computed using these amounts, which include tangible book value per common share, return on average tangible assets, return on average TCE and TCE ratio. We consider these metrics to be key financial performance measures that management uses in assessing capital adequacy and the level of returns generated. While our non-GAAP measures are widely used by investors, analysts and bank regulatory agencies to assess the capital position of financial services companies, they may not be comparable to similarly-titled measures reported by other companies. The following tables present reconciliations of these non-GAAP measures to the applicable amounts measured in accordance with GAAP.
20212021202120202020
(Dollars in millions)Q3Q2Q1Q4Q3
Tangible Common Equity (Period-End)
Stockholders’ equity$63,544 $64,624 $61,188 $60,204 $58,424 
Goodwill and intangible assets(9)
(14,766)(14,774)(14,789)(14,809)(14,825)
Noncumulative perpetual preferred stock(5,912)(6,488)(4,847)(4,847)(5,330)
Tangible common equity$42,866 $43,362 $41,552 $40,548 $38,269 
Tangible Common Equity (Average)
Stockholders’ equity$64,682 $62,376 $60,623 $59,389 $57,223 
Goodwill and intangible assets(9)
(14,777)(14,788)(14,807)(14,824)(14,867)
Noncumulative perpetual preferred stock(6,452)(5,491)(4,847)(5,168)(5,228)
Tangible common equity$43,453 $42,097 $40,969 $39,397 $37,128 
Tangible Assets (Period-End)
Total assets$425,377 $423,420 $425,175 $421,602 $421,883 
Goodwill and intangible assets(9)
(14,766)(14,774)(14,789)(14,809)(14,825)
Tangible assets$410,611 $408,646 $410,386 $406,793 $407,058 
Tangible Assets (Average)
Total assets$424,506 $424,099 $421,808 $420,011 $422,854 
Goodwill and intangible assets(9)
(14,777)(14,788)(14,807)(14,824)(14,867)
Tangible assets$409,729 $409,311 $407,001 $405,187 $407,987 
__________
(1)Regulatory capital metrics and capital ratios as of September 30, 2021 are preliminary and therefore subject to change.
(2)Excludes certain components of AOCI as permitted under the Tailoring Rules.
(3)Total capital equals the sum of Tier 1 capital and Tier 2 capital.
(4)Adjusted average assets for the purpose of calculating our Tier 1 leverage ratio represents total average assets adjusted for amounts that are deducted from Tier 1 capital, predominately goodwill and intangible assets. Tier 1 leverage ratio is a regulatory capital measure calculated based on Tier 1 capital divided by adjusted average assets.
(5)Common equity Tier 1 capital ratio is a regulatory capital measure calculated based on common equity Tier 1 capital divided by risk-weighted assets.
(6)Tier 1 capital ratio is a regulatory capital measure calculated based on Tier 1 capital divided by risk-weighted assets.
(7)Total capital ratio is a regulatory capital measure calculated based on total capital divided by risk-weighted assets.
(8)TCE ratio is a non-GAAP measure calculated based on TCE divided by tangible assets.
(9)Includes impact of related deferred taxes.
23
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Cover
Oct. 26, 2021
Entity Information [Line Items]  
Document Type 8-K
Document Period End Date Oct. 26, 2021
Entity Registrant Name CAPITAL ONE FINANCIAL CORP
Entity Incorporation, State or Country Code DE
Entity File Number 001-13300
Entity Tax Identification Number 54-1719854
Entity Address, Address Line One 1680 Capital One Drive,
Entity Address, City or Town McLean,
Entity Address, State or Province VA
Entity Address, Postal Zip Code 22102
City Area Code 703
Local Phone Number 720-1000
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Entity Central Index Key 0000927628
Amendment Flag false
Common Stock (par value $.01 per share)  
Entity Information [Line Items]  
Title of 12(b) Security Common Stock (par value $.01 per share)
Trading Symbol COF
Security Exchange Name NYSE
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series G  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series G
Trading Symbol COF PRG
Security Exchange Name NYSE
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series H  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series H
Trading Symbol COF PRH
Security Exchange Name NYSE
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series I  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series I
Trading Symbol COF PRI
Security Exchange Name NYSE
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series J  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series J
Trading Symbol COF PRJ
Security Exchange Name NYSE
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K
Trading Symbol COF PRK
Security Exchange Name NYSE
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L
Trading Symbol COF PRL
Security Exchange Name NYSE
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series N  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series N
Trading Symbol COF PRN
Security Exchange Name NYSE
0.800% Senior Notes Due 2024  
Entity Information [Line Items]  
Title of 12(b) Security 0.800% Senior Notes Due 2024
Trading Symbol COF24
Security Exchange Name NYSE
1.650% Senior Notes Due 2029  
Entity Information [Line Items]  
Title of 12(b) Security 1.650% Senior Notes Due 2029
Trading Symbol COF29
Security Exchange Name NYSE

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