0000927628-22-000291.txt : 20221027 0000927628-22-000291.hdr.sgml : 20221027 20221027160605 ACCESSION NUMBER: 0000927628-22-000291 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20221027 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20221027 DATE AS OF CHANGE: 20221027 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: 221337372 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-20221027.htm 8-K cof-20221027
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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 27, 2022
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 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 27, 2022, Capital One Financial Corporation (the “Company”) issued a press release announcing its financial results for the third quarter ended September 30, 2022. 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 27, 2022 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 10, 2022 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 27, 2022
By:/s/ TIMOTHY P. GOLDEN
Timothy P. Golden
Controller and Principal Accounting Officer

3
 EX-99.1 2 ex991q32022earningsrelease.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 27, 2022
Capital One Reports Third Quarter 2022 Net Income of $1.7 billion,
or $4.20 per share
McLean, Va. (October 27, 2022) – Capital One Financial Corporation (NYSE: COF) today announced net income for the third quarter of 2022 of $1.7 billion, or $4.20 per diluted common share, compared with net income of $2.0 billion, or $4.96 per diluted common share in the second quarter of 2022, and with net income of $3.1 billion, or $6.78 per diluted common share in the third quarter of 2021.
“We delivered strong growth and revenue in the third quarter, and we continue to see opportunities to lean into marketing and resilient asset growth that can deliver sustained revenue annuities,” said Richard D. Fairbank, Founder, Chairman, and Chief Executive Officer. “We’re in a strong position to deliver compelling long-term shareholder value as modern digital technology continues to transform banking.”
All comparisons below are for the third quarter of 2022 compared with the second quarter of 2022 unless otherwise noted.
Third Quarter 2022 Income Statement Summary:
•Total net revenue increased 7 percent to $8.8 billion.
•Total non-interest expense increased 8 percent to $4.9 billion:
◦2 percent decrease in marketing.
◦11 percent increase in operating expenses.
•Pre-provision earnings increased 6 percent to $3.9 billion.(1)
•Provision for credit losses increased $584 million to $1.7 billion:
◦Net charge-offs of $931 million.
◦$734 million loan reserve build.
•Net interest margin of 6.80 percent, an increase of 26 basis points.
(1)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 2022 Earnings
Page 2

•Efficiency ratio of 56.21 percent.
•Operating efficiency ratio of 45.10 percent.
Third Quarter 2022 Balance Sheet Summary:
•Common equity Tier 1 capital ratio under Basel III Standardized Approach of 12.2 percent at September 30, 2022.
•Period-end loans held for investment in the quarter increased $7.6 billion, or 3 percent, to $303.9 billion.
◦Credit Card period-end loans increased $6.0 billion, or 5 percent, to $126.9 billion.
•Domestic Card period-end loans increased $6.3 billion, or 5 percent, to $121.3 billion.
◦Consumer Banking period-end loans decreased $332 million, or less than 1 percent, to $81.2 billion.
•Auto period-end loans decreased $346 million, or less than 1 percent, to $79.6 billion.
◦Commercial Banking period-end loans increased $1.9 billion, or 2 percent, to $95.8 billion.
•Average loans held for investment in the quarter increased $14.1 billion, or 5 percent, to $300.2 billion.
◦Credit Card average loans increased $7.5 billion, or 6 percent, to $123.4 billion.
•Domestic Card average loans increased $7.5 billion, or 7 percent, to $117.5 billion.
◦Consumer Banking average loans increased $358 million, or less than 1 percent, to $81.3 billion.
•Auto average loans increased $428 million, or 1 percent, to $79.7 billion.
◦Commercial Banking average loans increased $6.2 billion, or 7 percent, to $95.5 billion.
•Period-end total deposits increased $9.3 billion, or 3 percent, to $317.2 billion, while average deposits increased $6.0 billion, or 2 percent, to $311.9 billion.
•Interest-bearing deposits rate paid increased 56 basis points to 1.00 percent.

Capital One Third Quarter 2022 Earnings
Page 3

Earnings Conference Call Webcast Information
The company will hold an earnings conference call on October 27, 2022 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 10, 2022 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, 2021.
About Capital One
Capital One Financial Corporation (www.capitalone.com) is a financial holding company which, along with its subsidiaries, had $317.2 billion in deposits and $444.2 billion in total assets as of September 30, 2022. 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 ex992q32022earningsrelease.htm EX-99.2 Document

Exhibit 99.2

Capital One Financial Corporation
Financial Supplement(1)(2)
Third Quarter 2022
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, 2022 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
2022 Q3 vs.Nine Months Ended September 30,
(Dollars in millions, except per share data and as noted) 20222022202220212021202220212022 vs.
Q3Q2Q1Q4Q3Q2Q3202220212021
Income Statement
Net interest income$7,003 $6,517 $6,397 $6,450 $6,156 7 %14 %$19,917 $17,721 12 %
Non-interest income1,802 1,715 1,776 1,668 1,674 5 8 5,293 4,596 15 
Total net revenue(1)
8,805 8,232 8,173 8,118 7,830 7 12 25,210 22,317 13 
Provision (benefit) for credit losses1,669 1,085 677 381 (342)54 **3,431 (2,325)**
Non-interest expense:
Marketing978 1,003 918 999 751 (2)30 2,899 1,872 55 
Operating expense3,971 3,580 3,633 3,679 3,435 11 16 11,184 10,020 12 
Total non-interest expense4,949 4,583 4,551 4,678 4,186 8 18 14,083 11,892 18 
Income from continuing operations before income taxes2,187 2,564 2,945 3,059 3,986 (15)(45)7,696 12,750 (40)
Income tax provision493 533 542 633 882 (8)(44)1,568 2,782 (44)
Income from continuing operations, net of tax1,694 2,031 2,403 2,426 3,104 (17)(45)6,128 9,968 (39)
Income (loss) from discontinued operations, net of tax— — — (1)— — —— (3)**
Net income1,694 2,031 2,403 2,425 3,104 (17)(45)6,128 9,965 (39)
Dividends and undistributed earnings allocated to participating securities(2)
(21)(25)(28)(21)(26)(16)(19)(74)(84)(12)
Preferred stock dividends(57)(57)(57)(74)(79)— (28)(171)(200)(15)
Issuance cost for redeemed preferred stock(3)
— — — (34)(12)— **— (12)**
Net income available to common stockholders$1,616 $1,949 $2,318 $2,296 $2,987 (17)(46)$5,883 $9,669 (39)
Common Share Statistics
Basic earnings per common share:(2)
Net income from continuing operations$4.21 $4.98 $5.65 $5.43 $6.81 (15)%(38)%$14.90 $21.53 (31)%
Income (loss) from discontinued operations— — — — — — — — (0.01)**
Net income per basic common share$4.21 $4.98 $5.65 $5.43 $6.81 (15)(38)$14.90 $21.52 (31)
Diluted earnings per common share:(2)
Net income from continuing operations$4.20 $4.96 $5.62 $5.41 $6.78 (15)%(38)%$14.84 $21.45 (31)%
Income (loss) from discontinued operations— — — — — — — — (0.01)**
Net income per diluted common share$4.20 $4.96 $5.62 $5.41 $6.78 (15)(38)$14.84 $21.44 (31)
Weighted-average common shares outstanding (in millions):
Basic383.4 391.2 410.4 422.5 438.8 (2)%(13)%394.9 449.2 (12)%
Diluted384.6 392.6 412.2 424.3 440.5 (2)(13)396.4 450.9 (12)
Common shares outstanding (period-end, in millions)382.0 383.8 399.0 413.9 430.4 — (11)382.0 430.4 (11)
Dividends declared and paid per common share$0.60 $0.60 $0.60 $0.60 $1.20 — (50)$1.80 $2.00 (10)
Tangible book value per common share (period-end)(4)
81.38 87.84 91.77 99.74 99.60 (7)(18)81.38 99.60 (18)
1

2022 Q3 vs.Nine Months Ended September 30,
(Dollars in millions)20222022202220212021202220212022 vs.
Q3Q2Q1Q4Q3Q2Q3202220212021
Balance Sheet (Period-End)
Loans held for investment$303,943 $296,384 $280,466 $277,340 $261,390 3%16%$303,943 $261,390 16%
Interest-earning assets415,262 406,565 398,241 397,341 387,208 27415,262 387,208 7
Total assets444,232 440,288 434,195 432,381 425,377 14444,232 425,377 4
Interest-bearing deposits282,802 270,881 275,648 272,937 269,134 45282,802 269,134 5
Total deposits317,193 307,885 313,429 310,980 305,938 34317,193 305,938 4
Borrowings54,607 58,938 45,358 43,086 37,501 (7)4654,607 37,501 46
Common equity46,015 48,564 51,499 56,184 57,632 (5)(20)46,015 57,632 (20)
Total stockholders’ equity50,861 53,410 56,345 61,029 63,544 (5)(20)50,861 63,544 (20)
Balance Sheet (Average Balances)
Loans held for investment$300,186 $286,110 $275,342 $267,159 $253,101 5%19%$287,304 $247,867 16%
Interest-earning assets412,171 398,934 394,082 390,868 387,766 36401,793 388,820 3
Total assets447,088 435,327 430,372 427,845 424,506 35437,523 423,457 3
Interest-bearing deposits275,900 268,104 271,823 269,951 269,278 32271,957 272,022 —
Total deposits311,928 305,954 309,597 307,272 305,035 22309,168 306,102 1
Borrowings58,628 53,208 42,277 39,943 37,464 105651,431 38,134 35
Common equity49,696 49,319 54,591 56,946 58,230 1(15)51,184 56,972 (10)
Total stockholders’ equity54,541 54,165 59,437 62,498 64,682 1(16)56,030 62,575 (10)
    
    
2

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 2: Selected Metrics—Consolidated
2022 Q3 vs.Nine Months Ended September 30,
(Dollars in millions, except as noted) 20222022202220212021202220212022 vs.
Q3Q2Q1Q4Q3Q2Q3202220212021
Performance Metrics
Net interest income growth (period over period)7 %2 %(1)%5 %7 %****12 %4 %**
Non-interest income growth (period over period)5 (3)6 — 3 ****15 11 **
Total net revenue growth (period over period)7 1 1 4 6 ****13 5 **
Total net revenue margin(5)
8.55 8.25 8.30 8.31 8.08 30 bps47 bps8.37 7.65 72 bps
Net interest margin(6)
6.80 6.54 6.49 6.60 6.35 26 45 6.61 6.08 53 
Return on average assets1.52 1.87 2.23 2.27 2.92 (35)(140)1.87 3.14 (127)
Return on average tangible assets(7)
1.57 1.93 2.31 2.35 3.03 (36)(146)1.93 3.25 (132)
Return on average common equity(8)
13.01 15.81 16.98 16.13 20.52 (3)%(8)%15.33 22.64 (7)%
Return on average tangible common equity(9)
18.59 22.63 23.36 21.82 27.50 (4)(9)21.62 30.57 (9)
Non-interest expense as a percentage of average loans held for investment6.59 6.41 6.61 7.00 6.62 18 bps(3)bps6.54 6.40 14 bps
Efficiency ratio(10)
56.21 55.67 55.68 57.63 53.46 54 275 55.86 53.29 257 
Operating efficiency ratio(11)
45.10 43.49 44.45 45.32 43.87 161 123 44.36 44.90 (54)
Effective income tax rate for continuing operations 22.5 20.8 18.4 20.7 22.1 170 40 20.4 21.8 (140)
Employees (period-end, in thousands)55.1 53.6 51.5 50.8 50.8 3%8%55.1 50.8 8%
Credit Quality Metrics
Allowance for credit losses$12,209$11,491$11,308$11,430$11,5736%5%$12,209$11,5735%
Allowance coverage ratio4.02 %3.88 %4.03 %4.12 %4.43 %14 bps(41)bps4.02 %4.43 %(41)bps
Net charge-offs$931$845$767$527$42610%119%$2,543$1,70749%
Net charge-off rate(12)
1.24 %1.18 %1.11 %0.79 %0.67 %6 bps57 bps1.18 %0.92 %26 bps
30+ day performing delinquency rate2.58 2.36 2.08 2.25 1.97 22 61 2.58 1.97 61 
30+ day delinquency rate2.78 2.54 2.21 2.41 2.13 24 65 2.78 2.13 65 
Capital Ratios(13)
Common equity Tier 1 capital
12.2 %12.1 %12.7 %13.1 %13.8 %10 bps(160)bps12.2 %13.8 %(160)bps
Tier 1 capital13.6 13.5 14.1 14.5 15.7 10 (210)13.6 15.7 (210)
Total capital15.7 15.7 16.4 16.9 18.2 — (250)15.7 18.2 (250)
Tier 1 leverage11.0 11.1 11.3 11.6 12.2 (10)(120)11.0 12.2 (120)
Tangible common equity (“TCE”)(14)
7.2 7.9 8.7 9.9 10.4 (70)(320)7.2 10.4 (320)
    
 
3

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 3: Consolidated Statements of Income
2022 Q3 vs.Nine Months Ended September 30,
(Dollars in millions, except as noted)20222022202220212021202220212022 vs.
Q3Q2Q1Q4Q3Q2Q3202220212021
Interest income:
Loans, including loans held for sale$7,578 $6,605 $6,367 $6,451 $6,205 15 %22 %$20,550 $17,812 15 %
Investment securities499 435 402 368 317 15 57 1,336 1,078 24 
Other123 55 15 12 16 124 **193 48 **
Total interest income8,200 7,095 6,784 6,831 6,538 16 25 22,079 18,938 17 
Interest expense:
Deposits689 293 218 222 228 135 **1,200 734 63 
Securitized debt obligations120 65 29 30 29 85 **214 89 140 
Senior and subordinated notes319 194 131 121 116 64 175 644 367 75 
Other borrowings69 26 9 8 9 165 **104 27 **
Total interest expense1,197 578 387 381 382 107 **2,162 1,217 78 
Net interest income7,003 6,517 6,397 6,450 6,156 7 14 19,917 17,721 12 
Provision (benefit) for credit losses1,669 1,085 677 381 (342)54 **3,431 (2,325)**
Net interest income after provision for credit losses5,334 5,432 5,720 6,069 6,498 (2)(18)16,486 20,046 (18)
Non-interest income:
Interchange fees, net1,195 1,201 1,033 1,005 1,022 — 17 3,429 2,855 20 
Service charges and other customer-related fees415 415 400 435 407 — 2 1,230 1,143 8 
Other192 99 343 228 245 94 (22)634 598 6 
Total non-interest income1,802 1,715 1,776 1,668 1,674 5 8 5,293 4,596 15 
Non-interest expense:
Salaries and associate benefits2,187 1,946 2,026 1,941 1,852 12 18 6,159 5,480 12 
Occupancy and equipment502 481 513 527 481 4 4 1,496 1,476 1 
Marketing978 1,003 918 999 751 (2)30 2,899 1,872 55 
Professional services471 458 397 449 358 3 32 1,326 991 34 
Communications and data processing349 339 339 326 319 3 9 1,027 936 10 
Amortization of intangibles17 14 14 13 5 21 **45 16 181 
Other445 342 344 423 420 30 6 1,131 1,121 1 
Total non-interest expense4,949 4,583 4,551 4,678 4,186 8 18 14,083 11,892 18 
Income from continuing operations before income taxes2,187 2,564 2,945 3,059 3,986 (15)(45)7,696 12,750 (40)
Income tax provision493 533 542 633 882 (8)(44)1,568 2,782 (44)
Income from continuing operations, net of tax1,694 2,031 2,403 2,426 3,104 (17)(45)6,128 9,968 (39)
Income (loss) from discontinued operations, net of tax— — — (1)— ——— (3)**
Net income1,694 2,031 2,403 2,425 3,104 (17)(45)6,128 9,965 (39)
Dividends and undistributed earnings allocated to participating securities(2)
(21)(25)(28)(21)(26)(16)(19)(74)(84)(12)
Preferred stock dividends(57)(57)(57)(74)(79)— (28)(171)(200)(15)
Issuance cost for redeemed preferred stock(3)
— — — (34)(12)— **— (12)**
Net income available to common stockholders$1,616 $1,949 $2,318 $2,296 $2,987 (17)(46)$5,883 $9,669 (39)
4

2022 Q3 vs.Nine Months Ended September 30,
20222022202220212021202220212022 vs.
Q3Q2Q1Q4Q3Q2Q3202220212021
Basic earnings per common share:(2)
Net income from continuing operations$4.21 $4.98 $5.65 $5.43 $6.81 (15)%(38)%$14.90 $21.53 (31)%
Income (loss) from discontinued operations— — — — — — — — (0.01)**
Net income per basic common share$4.21 $4.98 $5.65 $5.43 $6.81 (15)(38)$14.90 $21.52 (31)
Diluted earnings per common share:(2)
Net income from continuing operations$4.20 $4.96 $5.62 $5.41 $6.78 (15)(38)$14.84 $21.45 (31)
Income (loss) from discontinued operations— — — — — — — — (0.01)**
Net income per diluted common share$4.20 $4.96 $5.62 $5.41 $6.78 (15)(38)$14.84 $21.44 (31)
Weighted-average common shares outstanding (in millions):
Basic common shares383.4 391.2 410.4 422.5 438.8 (2)(13)394.9 449.2 (12)
Diluted common shares384.6 392.6 412.2 424.3 440.5 (2)(13)396.4 450.9 (12)
5

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 4: Consolidated Balance Sheets
2022 Q3 vs.
2022202220222021202120222021
(Dollars in millions)Q3Q2Q1Q4Q3Q2Q3
Assets:
Cash and cash equivalents:
Cash and due from banks$3,716 $4,825 $5,107 $4,164 $5,444 (23)%(32)%
Interest-bearing deposits and other short-term investments21,176 16,728 21,697 17,582 21,180 27 — 
Total cash and cash equivalents24,892 21,553 26,804 21,746 26,624 15 (7)
Restricted cash for securitization investors399 697 281 308 234 (43)71 
Securities available for sale75,303 83,022 89,076 95,261 98,149 (9)(23)
Loans held for investment:
Unsecuritized loans held for investment277,576 271,339 257,505 252,468 238,475 2 16 
Loans held in consolidated trusts26,367 25,045 22,961 24,872 22,915 5 15 
Total loans held for investment303,943 296,384 280,466 277,340 261,390 3 16 
Allowance for credit losses(12,209)(11,491)(11,308)(11,430)(11,573)6 5 
Net loans held for investment291,734 284,893 269,158 265,910 249,817 2 17 
Loans held for sale1,729 875 1,155 5,888 6,300 98 (73)
Premises and equipment, net4,265 4,238 4,238 4,210 4,204 1 1 
Interest receivable1,853 1,611 1,479 1,460 1,418 15 31 
Goodwill14,771 14,778 14,784 14,782 14,652 — 1 
Other assets29,286 28,621 27,220 22,816 23,979 2 22 
Total assets$444,232 $440,288 $434,195 $432,381 $425,377 1 4 
6

2022 Q3 vs.
2022202220222021202120222021
(Dollars in millions) Q3Q2Q1Q4Q3Q2Q3
Liabilities:
Interest payable$433 $333 $261 $281 $241 30 %80 %
Deposits:
Non-interest-bearing deposits34,391 37,004 37,781 38,043 36,804 (7)(7)
Interest-bearing deposits282,802 270,881 275,648 272,937 269,134 4 5 
Total deposits317,193 307,885 313,429 310,980 305,938 3 4 
Securitized debt obligations15,926 17,466 13,740 14,994 12,635 (9)26 
Other debt:
Federal funds purchased and securities loaned or sold under agreements to repurchase528 440 594 820 825 20 (36)
Senior and subordinated notes30,615 30,489 26,976 27,219 23,983 — 28 
Other borrowings7,538 10,543 4,048 53 58 (29)**
Total other debt38,681 41,472 31,618 28,092 24,866 (7)56 
Other liabilities21,138 19,722 18,802 17,005 18,153 7 16 
Total liabilities393,371 386,878 377,850 371,352 361,833 2 9 
Stockholders’ equity:
Preferred stock0 0 0 0 0 — — 
Common stock7 7 7 7 7 — — 
Additional paid-in capital, net34,579 34,425 34,286 34,112 35,051 — (1)
Retained earnings56,240 54,836 53,099 51,006 48,944 3 15 
Accumulated other comprehensive income (loss)(10,704)(6,916)(4,093)374 1,360 55 **
Treasury stock, at cost(29,261)(28,942)(26,954)(24,470)(21,818)1 34 
Total stockholders’ equity50,861 53,410 56,345 61,029 63,544 (5)(20)
Total liabilities and stockholders’ equity$444,232 $440,288 $434,195 $432,381 $425,377 1 4 

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 $222 million in Q3 2022, $211 million in Q2 2022, $192 million in Q1 2022, $151 million in Q4 2021 and $123 million in Q3 2021 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 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. On December 1, 2021, we redeemed all outstanding shares of our fixed rate 5.20% non-cumulative perpetual preferred stock Series G and our fixed rate 6.00% non-cumulative perpetual preferred stock Series H, which together reduced our net income available to common shareholders by $34 million in Q4 2021.
(4)Tangible book value per common share is a non-GAAP measure calculated based on TCE 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 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 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 2022 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
2022 Q32022 Q22021 Q3
(Dollars in millions, except as noted)Average BalanceInterest Income/ Expense
Yield/Rate(1)
Average BalanceInterest Income/ Expense
Yield/Rate(1)
Average BalanceInterest Income/ ExpenseYield/Rate
Interest-earning assets:
Loans, including loans held for sale$300,952 $7,578 10.07 %$287,134 $6,605 9.20 %$260,235 $6,205 9.54 %
Investment securities88,666 499 2.25 92,062 435 1.89 98,802 317 1.28 
Cash equivalents and other22,553 123 2.19 19,738 55 1.10 28,729 16 0.22 
Total interest-earning assets$412,171 $8,200 7.96 $398,934 $7,095 7.11 $387,766 $6,538 6.74 
Interest-bearing liabilities:
Interest-bearing deposits$275,900 $689 1.00 $268,104 $293 0.44 $269,278 $228 0.34 
Securitized debt obligations17,108 120 2.81 15,041 65 1.73 12,420 29 0.93 
Senior and subordinated notes30,962 319 4.13 28,919 194 2.68 24,241 116 1.91 
Other borrowings and liabilities12,296 69 2.20 10,922 26 0.98 2,357 9 1.49 
Total interest-bearing liabilities$336,266 $1,197 1.42 $322,986 $578 0.72 $308,296 $382 0.49 
Net interest income/spread$7,003 6.53 $6,517 6.40 $6,156 6.25 
Impact of non-interest-bearing funding0.27 0.14 0.10 
Net interest margin6.80 %6.54 %6.35 %
                                                                                                                                                                                                                            
Nine Months Ended September 30,
20222021
(Dollars in millions, except as noted)Average BalanceInterest Income/ Expense
Yield/Rate(1)
Average BalanceInterest Income/ ExpenseYield/Rate
Interest-earning assets:
Loans, including loans held for sale$289,116 $20,550 9.48 %$252,113 $17,812 9.42 %
Investment securities91,788 1,336 1.94 99,059 1,078 1.45 
Cash equivalents and other20,889 193 1.23 37,648 48 0.17 
Total interest-earning assets$401,793 $22,079 7.33 $388,820 $18,938 6.49 
Interest-bearing liabilities:
Interest-bearing deposits$271,957 $1,200 0.59 $272,022 $734 0.36 
Securitized debt obligations15,309 214 1.87 11,851 89 1.00 
Senior and subordinated notes28,804 644 2.98 25,555 367 1.92 
Other borrowings and liabilities8,982 104 1.53 2,256 27 1.59 
Total interest-bearing liabilities$325,052 $2,162 0.89 $311,684 $1,217 0.52 
Net interest income/spread$19,917 6.44 $17,721 5.97 
Impact of non-interest-bearing funding0.17 0.11 
Net interest margin6.61 %6.08 %

9

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 7: Loan Information and Performance Statistics
2022 Q3 vs.Nine Months Ended September 30,
2022202220222021202120222021202220212022 vs. 2021
(Dollars in millions, except as noted) Q3Q2Q1Q4Q3Q2Q3
Loans Held for Investment (Period-End)
Credit card:
   Domestic credit card$121,279 $115,004 $107,987 $108,723 $99,258 5 %22 %$121,279 $99,258 22 %
   International card businesses5,634 5,876 5,975 6,049 5,772 (4)(2)5,634 5,772 (2)
Total credit card126,913 120,880 113,962 114,772 105,030 5 21 126,913 105,030 21 
Consumer banking:
   Auto79,580 79,926 78,604 75,779 74,716 — 7 79,580 74,716 7 
   Retail banking1,619 1,605 1,726 1,867 2,396 1 (32)1,619 2,396 (32)
Total consumer banking81,199 81,531 80,330 77,646 77,112 — 5 81,199 77,112 5 
Commercial banking:
   Commercial and multifamily real estate38,225 37,845 34,354 35,262 33,096 1 15 38,225 33,096 15 
   Commercial and industrial57,606 56,128 51,820 49,660 46,152 3 25 57,606 46,152 25 
Total commercial banking95,831 93,973 86,174 84,922 79,248 2 21 95,831 79,248 21 
Total loans held for investment$303,943 $296,384 $280,466 $277,340 $261,390 3 16 $303,943 $261,390 16 
Loans Held for Investment (Average)
Credit card:
   Domestic credit card$117,467 $109,962 $105,536 $102,717 $96,309 7 %22 %$111,032 $93,493 19 %
   International card businesses5,890 5,873 5,944 5,871 5,737 — 3 5,902 7,264 (19)
Total credit card123,357 115,835 111,480 108,588 102,046 6 21 116,934 100,757 16 
Consumer banking:
   Auto79,741 79,313 76,892 75,284 73,296 1 9 78,659 69,700 13 
   Retail banking1,598 1,668 1,797 2,160 2,700 (4)(41)1,687 2,969 (43)
Total consumer banking81,339 80,981 78,689 77,444 75,996 — 7 80,346 72,669 11 
Commercial banking:
   Commercial and multifamily real estate38,230 35,754 34,671 33,591 30,314 7 26 36,231 30,100 20 
   Commercial and industrial57,260 53,540 50,502 47,536 44,745 7 28 53,793 44,341 21 
Total commercial banking95,490 89,294 85,173 81,127 75,059 7 27 90,024 74,441 21 
Total average loans held for investment$300,186 $286,110 $275,342 $267,159 $253,101 5 19 $287,304 $247,867 16 
10

2022 Q3 vs.Nine Months Ended September 30,
2022202220222021202120222021202220212022 vs. 2021
Q3Q2Q1Q4Q3Q2Q3
Net Charge-Off (Recovery) Rates
Credit card:
   Domestic credit card(2)
2.20 %2.26 %2.12 %1.49 %1.36 %(6)bps84 bps2.19 %2.05 %14 bps
   International card businesses3.30 3.82 3.20 0.14 2.72 (52)58 3.44 2.45 99 
Total credit card2.25 2.34 2.18 1.42 1.43 (9)82 2.26 2.08 18 
Consumer banking:
   Auto1.05 0.61 0.66 0.58 0.18 44 87 0.77 0.17 60 
   Retail banking3.89 3.62 4.31 6.69 2.45 27 144 3.95 1.82 213 
Total consumer banking1.10 0.67 0.75 0.75 0.27 43 83 0.84 0.24 60 
Commercial banking:
   Commercial and multifamily real estate0.03 (0.08)— — 0.01 11 2 (0.02)0.04 (6)
   Commercial and industrial0.06 0.29 0.11 (0.03)0.07 (23)(1)0.15 (0.01)16 
Total commercial banking0.05 0.14 0.06 (0.02)0.05 (9)— 0.08 0.01 7 
Total net charge-offs1.24 1.18 1.11 0.79 0.67 6 57 1.18 0.92 26 
30+ Day Performing Delinquency Rates
Credit card:
   Domestic credit card2.97 %2.35 %2.32 %2.22 %1.93 %62 bps104 bps2.97 %1.93 %104 bps
   International card businesses3.90 3.67 3.58 3.42 3.27 23 63 3.90 3.27 63 
Total credit card3.01 2.42 2.38 2.28 2.00 59 101 3.01 2.00 101 
Consumer banking:
   Auto4.85 4.47 3.85 4.32 3.65 38 120 4.85 3.65 120 
   Retail banking0.84 0.67 0.74 1.92 1.15 17 (31)0.84 1.15 (31)
Total consumer banking4.77 4.39 3.78 4.26 3.58 38 119 4.77 3.58 119 
Nonperforming Loans and Nonperforming Assets Rates(3)(4)
Credit card:
   International card businesses0.14 %0.13 %0.14 %0.16 %0.16 %1 bps(2)bps0.14 %0.16 %(2)bps
Total credit card0.01 0.01 0.01 0.01 0.01 — — 0.01 0.01 — 
Consumer banking:
   Auto0.60 0.50 0.41 0.45 0.36 10 24 0.60 0.36 24 
   Retail banking2.62 2.61 2.63 2.51 2.20 1 42 2.62 2.20 42 
Total consumer banking0.64 0.54 0.46 0.50 0.42 10 22 0.64 0.42 22 
Commercial banking:
   Commercial and multifamily real estate0.64 0.78 0.98 1.09 0.87 (14)(23)0.64 0.87 (23)
   Commercial and industrial0.53 0.64 0.69 0.64 0.68 (11)(15)0.53 0.68 (15)
Total commercial banking0.57 0.70 0.81 0.82 0.76 (13)(19)0.57 0.76 (19)
Total nonperforming loans0.35 0.37 0.38 0.40 0.35 (2)— 0.35 0.35 — 
Total nonperforming assets0.37 0.39 0.40 0.41 0.37 (2)— 0.37 0.37 — 
11

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 8: Allowance for Credit Losses and Reserve for Unfunded Lending Commitments Activity

Three Months Ended September 30, 2022
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, 2022$7,840 $326 $8,166 $1,999 $48 $2,047 $1,278 $11,491 
Charge-offs(960)(87)(1,047)(389)(21)(410)(13)(1,470)
Recoveries313 39 352 181 5 186 1 539 
Net charge-offs(647)(48)(695)(208)(16)(224)(12)(931)
Provision for credit losses1,167 94 1,261 266 19 285 119 1,665 
Allowance build for credit losses520 46 566 58 3 61 107 734 
Other changes(5)
10(26)(16)————(16)
Balance as of September 30, 20228,370 346 8,716 2,057 51 2,108 1,385 12,209 
Reserve for unfunded lending commitments:
Balance as of June 30, 2022——————239 239 
Provision for losses on unfunded lending commitments——————4 4 
Balance as of September 30, 2022——————243 243 
Combined allowance and reserve as of September 30, 2022$8,370 $346 $8,716 $2,057 $51 $2,108 $1,628 $12,452 
Nine Months Ended September 30, 2022
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, 2021$7,968 $377 $8,345 $1,852 $66 $1,918 $1,167 $11,430 
Charge-offs(2,747)(264)(3,011)(1,026)(64)(1,090)(73)(4,174)
Recoveries919 112 1,031 570 14 584 16 1,631 
Net charge-offs(1,828)(152)(1,980)(456)(50)(506)(57)(2,543)
Provision for credit losses2,220 167 2,387 661 35 696 275 3,358 
Allowance build (release) for credit losses392 15 407 205 (15)190 218 815 
Other changes(5)
10(46)(36)————(36)
Balance as of September 30, 20228,370 346 8,716 2,057 51 2,108 1,385 12,209 
Reserve for unfunded lending commitments:
Balance as of December 31, 2021——————165 165 
Provision for losses on unfunded lending commitments——————78 78 
Balance as of September 30, 2022——————243 243 
Combined allowance and reserve as of September 30, 2022$8,370 $346 $8,716 $2,057 $51 $2,108 $1,628 $12,452 
12

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 9: Financial Summary—Business Segment Results
Three Months Ended September 30, 2022Nine Months Ended September 30, 2022
(Dollars in millions)Credit CardConsumer Banking
Commercial Banking(6)
Other(6)
TotalCredit CardConsumer Banking
Commercial Banking(6)
Other(6)
Total
Net interest income (loss)$4,313 $2,311 $699 $(320)$7,003 $12,051 $6,571 $1,941 $(646)$19,917 
Non-interest income (loss)1,454 129 319 (100)1,802 4,322 330 868 (227)5,293 
Total net revenue (loss)5,767 2,440 1,018 (420)8,805 16,373 6,901 2,809 (873)25,210 
Provision (benefit) for credit losses1,261 285 123 — 1,669 2,387 696 353 (5)3,431 
Non-interest expense3,004 1,340 542 63 4,949 8,558 3,862 1,515 148 14,083 
Income (loss) from continuing operations before income taxes1,502 815 353 (483)2,187 5,428 2,343 941 (1,016)7,696 
Income tax provision (benefit)356 193 83 (139)493 1,291 555 223 (501)1,568 
Income (loss) from continuing operations, net of tax$1,146 $622 $270 $(344)$1,694 $4,137 $1,788 $718 $(515)$6,128 
Three Months Ended June 30, 2022
(Dollars in millions) Credit CardConsumer Banking
Commercial Banking(6)
Other(6)
Total
Net interest income (loss)$3,899 $2,147 $635 $(164)$6,517 
Non-interest income (loss)1,410 96 272 (63)1,715 
Total net revenue (loss)5,309 2,243 907 (227)8,232 
Provision for credit losses581 281 222 1 1,085 
Non-interest expense2,771 1,286 485 41 4,583 
Income (loss) from continuing operations before income taxes1,957 676 200 (269)2,564 
Income tax provision (benefit)466 160 48 (141)533 
Income (loss) from continuing operations, net of tax$1,491 $516 $152 $(128)$2,031 
Three Months Ended September 30, 2021Nine Months Ended September 30, 2021
(Dollars in millions) Credit CardConsumer Banking
Commercial Banking(6)
Other(6)
TotalCredit CardConsumer Banking
Commercial Banking(6)
Other(6)
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 

13

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 10: Financial & Statistical Summary—Credit Card Business
2022 Q3 vs.Nine Months Ended September 30,
20222022202220212021202220212022 vs.
(Dollars in millions, except as noted) Q3Q2Q1Q4Q3Q2Q3202220212021
Credit Card
Earnings:
Net interest income$4,313 $3,899 $3,839 $3,865 $3,620 11%19%$12,051 $10,209 18%
Non-interest income1,454 1,410 1,458 1,261 1,263 3 15 4,322 3,545 22 
Total net revenue5,767 5,309 5,297 5,126 4,883 9 18 16,373 13,754 19 
Provision (benefit) for credit losses1,261 581 545 423 (198)117 **2,387 (1,325)**
Non-interest expense3,004 2,771 2,783 2,799 2,424 8 24 8,558 6,822 25 
Income from continuing operations before income taxes1,502 1,957 1,969 1,904 2,657 (23)(43)5,428 8,257 (34)
Income tax provision356 466 469 451 627 (24)(43)1,291 1,952 (34)
Income from continuing operations, net of tax$1,146 $1,491 $1,500 $1,453 $2,030 (23)(44)$4,137 $6,305 (34)
Selected performance metrics:
Period-end loans held for investment$126,913$120,880$113,962$114,772$105,0305 21 $126,913$105,03021 
Average loans held for investment123,357115,835111,480108,588102,0466 21 116,934100,75716 
Average yield on loans outstanding(1)
16.74 %15.24 %14.97 %14.94 %14.88 %150 bps186 bps15.67 %14.47 %120 bps
Total net revenue margin(7)
18.70 18.33 18.56 18.11 18.33 37 37 18.53 17.70 83 
Net charge-off rate
2.25 2.34 2.18 1.42 1.43 (9)82 2.26 2.08 18 
30+ day performing delinquency rate3.01 2.42 2.38 2.28 2.00 59 101 3.01 2.00 101 
30+ day delinquency rate3.02 2.42 2.39 2.29 2.00 60 102 3.02 2.00 102 
Nonperforming loan rate(3)
0.01 0.01 0.01 0.01 0.01 — — 0.01 0.01 — 
Purchase volume(8)
$149,497$148,491$133,662$149,982$136,6141%9%$431,650$377,62314%
14

2022 Q3 vs.Nine Months Ended September 30,
20222022202220212021202220212022 vs.
(Dollars in millions, except as noted)Q3Q2Q1Q4Q3Q2Q3202220212021
Domestic Card
Earnings:
Net interest income$4,065 $3,651 $3,620 $3,558 $3,319 11%22%$11,336 $9,358 21%
Non-interest income1,383 1,340 1,248 1,190 1,200 3 15 3,971 3,342 19 
Total net revenue5,448 4,991 4,868 4,748 4,519 9 21 15,307 12,700 21 
Provision (benefit) for credit losses1,167 494 559 384 (200)136 **2,220 (1,252)**
Non-interest expense2,803 2,594 2,564 2,564 2,191 8 28 7,961 6,148 29 
Income from continuing operations before income taxes1,478 1,903 1,745 1,800 2,528 (22)(42)5,126 7,804 (34)
Income tax provision351 450 414 424 597 (22)(41)1,215 1,842 (34)
Income from continuing operations, net of tax$1,127 $1,453 $1,331 $1,376 $1,931 (22)(42)$3,911 $5,962 (34)
Selected performance metrics:
Period-end loans held for investment$121,279$115,004$107,987$108,723$99,2585 22 $121,279$99,25822 
Average loans held for investment117,467109,962105,536102,71796,3097 22 111,03293,49319 
Average yield on loans outstanding(1)
16.61 %15.03 %14.82 %14.86 %14.80 %158 bps181 bps15.51 %14.36 %115 bps
Total net revenue margin(7)
18.55 18.16 18.28 18.14 18.40 39 15 18.33 17.74 59 
Net charge-off rate (2)
2.20 2.26 2.12 1.49 1.36 (6)84 2.19 2.05 14 
30+ day performing delinquency rate2.97 2.35 2.32 2.22 1.93 62 104 2.97 1.93 104 
Purchase volume(8)
$145,805$144,668$126,284$138,825$126,0571%16%$416,757$348,47220%
Refreshed FICO scores:(9)
Greater than 66070 %70 %70 %71 %71 %— (1)70 %71 %(1)
660 or below30 30 30 29 29 — 1 30 29 1 
Total100 %100 %100 %100 %100 %100 %100 %
15

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 11: Financial & Statistical Summary—Consumer Banking Business
2022 Q3 vs.Nine Months Ended September 30,
20222022202220212021202220212022 vs.
(Dollars in millions, except as noted)Q3Q2Q1Q4Q3Q2Q3202220212021
Consumer Banking
Earnings:
Net interest income$2,311 $2,147 $2,113 $2,158 $2,159 8%7%$6,571 $6,290 4%
Non-interest income129 96 105 142 127 34 2 330 412 (20)
Total net revenue2,440 2,243 2,218 2,300 2,286 9 7 6,901 6,702 3 
Provision (benefit) for credit losses285 281 130 2 (91)1 **696 (523)**
Non-interest expense1,340 1,286 1,236 1,285 1,186 4 13 3,862 3,426 13 
Income from continuing operations before income taxes815 676 852 1,013 1,191 21 (32)2,343 3,799 (38)
Income tax provision193 160 202 239 282 21 (32)555 897 (38)
Income from continuing operations, net of tax$622 $516 $650 $774 $909 21 (32)$1,788 $2,902 (38)
Selected performance metrics:
Period-end loans held for investment$81,199$81,531$80,330$77,646$77,112— 5 $81,199$77,1125 
Average loans held for investment81,33980,98178,68977,44475,996— 7 80,34672,66911 
Average yield on loans held for investment(1)
7.20 %7.08 %7.17 %7.55 %7.78 %12 bps(58)bps7.15 %7.97 %(82)bps
Auto loan originations$8,289$10,328$11,713$9,721$11,570(20)%(28)%$30,330$33,362(9)%
Period-end deposits256,661255,904258,359256,407252,387— 2 256,661252,3872 
Average deposits255,843254,336255,265253,372251,3071 2 255,150251,1052 
Average deposits interest rate0.79 %0.38 %0.29 %0.30 %0.30 %41 bps49 bps0.49 %0.32 %17 bps
Net charge-off rate1.10 0.67 0.75 0.75 0.27 43 83 0.84 0.24 60 
30+ day performing delinquency rate4.77 4.39 3.78 4.26 3.58 38 119 4.77 3.58 119 
30+ day delinquency rate5.28 4.81 4.13 4.66 3.88 47 140 5.28 3.88 140 
Nonperforming loan rate(3)
0.64 0.54 0.46 0.50 0.42 10 22 0.64 0.42 22 
Nonperforming asset rate(4)
0.71 0.60 0.52 0.56 0.47 11 24 0.71 0.47 24 
Auto—At origination FICO scores:(10)
Greater than 66052 %52 %51 %50 %49 %— 3%52 %49 %3%
621 - 66020 20 20 20 20 — — 20 20 — 
620 or below28 28 29 30 31 — (3)28 31 (3)
Total100 %100 %100 %100 %100 %100 %100 %
16

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 12: Financial & Statistical Summary—Commercial Banking Business
2022 Q3 vs.Nine Months Ended September 30,
20222022202220212021202220212022 vs.
(Dollars in millions, except as noted) Q3Q2Q1Q4Q3Q2Q3202220212021
Commercial Banking
Earnings:
Net interest income$699 $635 $607 $595 $578 10%21%$1,941$1,55825%
Non-interest income319 272 277 345 306 17 4 8688038 
Total net revenue(6)
1,018 907 884 940 884 12 15 2,8092,36119 
Provision (benefit) for credit losses123 222 8 (44)(53)(45)**353(475)**
Non-interest expense542 485 488 520 459 12 18 1,5151,29517 
Income from continuing operations before income taxes353 200 388 464 478 77 (26)9411,541(39)
Income tax provision83 48 92 109 113 73 (27)223364(39)
Income from continuing operations, net of tax$270 $152 $296 $355 $365 78 (26)$718$1,177(39)
Selected performance metrics:
Period-end loans held for investment$95,831$93,973$86,174$84,922$79,2482 21 $95,831$79,24821 
     Average loans held for investment 95,49089,29485,17381,12775,0597 27 90,02474,44121 
Average yield on loans held for investment(1)(6)
4.40 %3.18 %2.66 %2.71 %2.77 %122 bps163 bps3.44 %2.75 %69 bps
Period-end deposits$41,058$38,844$45,232$44,809$43,3476%(5)%$41,058$43,347(5)%
Average deposits39,79940,53645,00844,20642,729(2)(7)41,76241,725—
Average deposits interest rate0.83 %0.19 %0.12 %0.12 %0.15 %64 bps68 bps0.37 %0.15 %22 bps
Net charge-off (recovery) rate0.05 0.14 0.06 (0.02)0.05 (9)—0.08 0.01 7 
Nonperforming loan rate(3)
0.57 0.70 0.81 0.82 0.76 (13)(19)0.57 0.76 (19)
Nonperforming asset rate(4)
0.57 0.70 0.81 0.82 0.76 (13)(19)0.57 0.76 (19)
Risk category:(11)
Noncriticized$89,559$88,349$80,586$79,014$73,2181%22%$89,559$73,21822%
Criticized performing5,7224,9694,8935,2095,42915 5 5,7225,4295 
Criticized nonperforming550655695699601(16)(8)550601(8)
Total commercial banking loans$95,831$93,973$86,174$84,922$79,2482 21 $95,831$79,24821 
Risk category as a percentage of period-end loans held for investment:(11)
Noncriticized93.46 %94.01 %93.51 %93.05 %92.39 %(55)bps107 bps93.46 %92.39 %107 bps
Criticized performing5.97 5.29 5.68 6.13 6.85 68 (88)5.97 6.85 (88)
Criticized nonperforming0.57 0.70 0.81 0.82 0.76 (13)(19)0.57 0.76 (19)
Total commercial banking loans100.00 %100.00 %100.00 %100.00 %100.00 %100.00 %100.00 %
17

CAPITAL ONE FINANCIAL CORPORATION (COF)
Table 13: Financial & Statistical Summary—Other and Total
2022 Q3 vs.Nine Months Ended September 30,
20222022202220212021202220212022 vs.
(Dollars in millions)Q3Q2Q1Q4Q3Q2Q3202220212021
Other
Earnings:
Net interest loss$(320)$(164)$(162)$(168)$(201)95%59%$(646)$(336)92%
Non-interest loss(100)(63)(64)(80)(22)59**(227)(164)38
Total net loss(6)
(420)(227)(226)(248)(223)8588(873)(500)75
Provision (benefit) for credit losses—1(6)——**—(5)(2)150
Non-interest expense(12)
6341447411754(46)148349(58)
Loss from continuing operations before income taxes(483)(269)(264)(322)(340)8042(1,016)(847)20
Income tax benefit(139)(141)(221)(166)(140)(1)(1)(501)(431)16
Loss from continuing operations, net of tax$(344)$(128)$(43)$(156)$(200)16972$(515)$(416)24
Selected performance metrics:
Period-end deposits$19,474 $13,137 $9,838 $9,764 $10,204 4891$19,474 $10,204 91
Average deposits16,286 11,082 9,324 9,694 10,999 474812,256 13,272 (8)
Total
Earnings:
Net interest income$7,003 $6,517 $6,397 $6,450 $6,156 7%14%$19,917 $17,721 12%
Non-interest income1,802 1,715 1,776 1,668 1,674 585,293 4,596 15
Total net revenue8,805 8,232 8,173 8,118 7,830 71225,210 22,317 13
Provision (benefit) for credit losses1,669 1,085 677 381 (342)54**3,431 (2,325)**
Non-interest expense4,949 4,583 4,551 4,678 4,186 81814,083 11,892 18
Income from continuing operations before income taxes2,187 2,564 2,945 3,059 3,986 (15)(45)7,696 12,750 (40)
Income tax provision493 533 542 633 882 (8)(44)1,568 2,782 (44)
Income from continuing operations, net of tax$1,694 $2,031 $2,403 $2,426 $3,104 (17)(45)$6,128 $9,968 (39)
Selected performance metrics:
Period-end loans held for investment$303,943 $296,384 $280,466 $277,340 $261,390 316$303,943 $261,390 16
Average loans held for investment300,186 286,110 275,342 267,159 253,101 519287,304 247,867 16
Period-end deposits317,193 307,885 313,429 310,980 305,938 34317,193 305,938 4
Average deposits311,928 305,954 309,597 307,272 305,035 22309,168 306,102 1
18

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

(1)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. Average yield is calculated using whole dollar values for average balances and interest income/expense. Accordingly, total interest earning assets less total interest bearing liabilities may not total net interest income/spread.
(2)In August 2022, in addition to our normal recovery activity, we sold a pool of charged-off loans that resulted in elevated debt sale recovery activity of approximately $33 million, which decreased the Domestic Credit Card net charge-off rate for the third quarter of 2022 by approximately 11 basis points. Excluding the impact, the Domestic Credit Card net charge-off rate would have been 2.31% for the third quarter of 2022.
(3)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. For Commercial Banking, loans categorized as nonperforming are considered criticized nonperforming.
(4)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.
(5)Primarily represents foreign currency translation adjustments and initial allowance builds for purchase credit-deteriorated loans.
(6)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.
(7)Total net revenue margin is calculated based on total net revenue for the period divided by average loans outstanding during the period.
(8)Purchase volume consists of purchase transactions, net of returns, for the period, and excludes cash advance and balance transfer transactions.
(9)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.
(10)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.
(11)Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities.
(12)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,
2022		June 30,
2022		March 31,
2022		December 31,
2021		September 30,
2021
Regulatory Capital Metrics
Common equity excluding AOCI$58,516 $57,278$57,390$58,206$58,705
Adjustments:
AOCI, net of tax(2)
(120)(72)(20)(23)(33)
Goodwill, net of related deferred tax liabilities(14,537)(14,548)(14,559)(14,562)(14,435)
Intangible assets, net of related deferred tax liabilities(180)(80)(94)(108)(84)
Other(14)(15)(16)(12)(15)
Common equity Tier 1 capital$43,665 $42,563$42,701$43,501$44,138
Tier 1 capital$48,510 $47,408$47,547$48,346$50,049
Total capital(3)
55,938 55,10055,05956,08957,851
Risk-weighted assets356,817 351,746336,739332,673318,729
Adjusted average assets(4)
439,479 427,446418,957415,141411,216
Capital Ratios
Common equity Tier 1 capital(5)
12.2 %12.1 %12.7 %13.1 %13.8 %
Tier 1 capital(6)
13.6 13.5 14.1 14.5 15.7 
Total capital(7)
15.7 15.7 16.4 16.9 18.2 
Tier 1 leverage(4)
11.0 11.1 11.3 11.6 12.2 
Tangible common equity (“TCE”)(8)
7.2 7.9 8.7 9.9 10.4 


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.
20222022202220212021Nine Months Ended September 30,
(Dollars in millions, except per share data and as noted)Q3Q2Q1Q4Q320222021
Adjusted diluted earnings per share (“EPS”):
Net income available to common stockholders (GAAP)$1,616$1,949 $2,318$2,296$2,987$5,883$9,669
Legal reserve activity, including insurance recoveries————45—100
Adjusted net income available to common stockholders before income tax impacts (non-GAAP)1,6161,949 2,3182,2963,0325,8839,769
Income tax impacts————(11)—(24)
Adjusted net income available to common stockholders (non-GAAP)$1,616$1,949 $2,318$2,296$3,021$5,883$9,745
Diluted weighted-average common shares outstanding (in millions) (GAAP)384.6392.6 412.2424.3440.5396.4450.9
Diluted EPS (GAAP)$4.20$4.96 $5.62$5.41$6.78$14.84$21.44
Impact of adjustments noted above————0.08—0.17
Adjusted diluted EPS (non-GAAP)$4.20$4.96 $5.62$5.41$6.86$14.84$21.61
Adjusted efficiency ratio:
Non-interest expense (GAAP)$4,949$4,583 $4,551$4,678$4,186$14,083$11,892
Legal reserve activity, including insurance recoveries————(45)—(100)
Adjusted non-interest expense (non-GAAP)$4,949$4,583 $4,551$4,678$4,141$14,083$11,792
Total net revenue (GAAP)$8,805$8,232 $8,173$8,118$7,830$25,210$22,317
Efficiency ratio (GAAP)56.21%55.67%55.68%57.63%53.46%55.86%53.29%
Impact of adjustments noted above———— (57)bps—(45)bps
Adjusted efficiency ratio (non-GAAP)56.21%55.67%55.68%57.63%52.89%55.86%52.84%
Adjusted operating efficiency ratio:
Operating expense (GAAP)$3,971$3,580 $3,633$3,679$3,435$11,184$10,020
Legal reserve activity, including insurance recoveries————(45)—(100)
Adjusted operating expense (non-GAAP)$3,971$3,580 $3,633$3,679$3,390$11,184$9,920
Total net revenue (GAAP)$8,805$8,232 $8,173$8,118$7,830$25,210$22,317
Operating efficiency ratio (GAAP)45.10%43.49%44.45%45.32%43.87%44.36%44.90%
Impact of adjustments noted above———— (57)bps—(45)bps
Adjusted operating efficiency ratio (non-GAAP)45.10%43.49%44.45%45.32%43.30%44.36%44.45%

21

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.
20222022202220212021
(Dollars in millions)Q3Q2Q1Q4Q3
Tangible Common Equity (Period-End)
Stockholders’ equity$50,861 $53,410 $56,345 $61,029 $63,544 
Goodwill and intangible assets(9)
(14,932)(14,850)(14,883)(14,907)(14,766)
Noncumulative perpetual preferred stock(4,845)(4,845)(4,845)(4,845)(5,912)
Tangible common equity$31,084 $33,715 $36,617 $41,277 $42,866 
Tangible Common Equity (Average)
Stockholders’ equity$54,541 $54,165 $59,437 $62,498 $64,682 
Goodwill and intangible assets(9)
(14,916)(14,875)(14,904)(14,847)(14,777)
Noncumulative perpetual preferred stock(4,845)(4,845)(4,845)(5,552)(6,452)
Tangible common equity$34,780 $34,445 $39,688 $42,099 $43,453 
Tangible Assets (Period-End)
Total assets$444,232 $440,288 $434,195 $432,381 $425,377 
Goodwill and intangible assets(9)
(14,932)(14,850)(14,883)(14,907)(14,766)
Tangible assets$429,300 $425,438 $419,312 $417,474 $410,611 
Tangible Assets (Average)
Total assets$447,088 $435,327 $430,372 $427,845 $424,506 
Goodwill and intangible assets(9)
(14,916)(14,875)(14,904)(14,847)(14,777)
Tangible assets$432,172 $420,452 $415,468 $412,998 $409,729 
__________
(1)Regulatory capital metrics and capital ratios as of September 30, 2022 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.
22
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Classified within stockholders' equity if nonredeemable or redeemable solely at the option of the issuer. Classified within temporary equity if redemption is outside the control of the issuer. Soliciting Material Soliciting Material City Area Code City Area Code Entity Incorporation, State or Country Code Entity Incorporation, State or Country Code Entity Address, Address Line One Entity Address, Address Line One Entity Information [Line Items] Entity Information [Line Items] Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K Series K Preferred Stock Member [Member] Outstanding nonredeemable series K preferred stock or outstanding series K preferred stock. Classified within stockholders' equity if nonredeemable or redeemable solely at the option of the issuer. Classified within temporary equity if redemption is outside the control of the issuer. Local Phone Number Local Phone Number Class of Securities [Axis] Class of Securities [Axis] Class of Securities Document And Entity Information [Abstract] Document And Entity Information [Abstract] Document And Entity Information [Abstract] Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series N Series N Preferred Stock Member [Member] Series N Preferred Stock Member Pre-commencement Tender Offer Pre-commencement Tender Offer Amendment Flag Amendment Flag Common Stock (par value $.01 per share) Common Stock [Member] Class of Securities [Domain] Security Class [Domain] [Domain] for Security Class Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series J Series J Preferred Stock [Member] Outstanding nonredeemable series J preferred stock or outstanding series J preferred stock. Classified within stockholders' equity if nonredeemable or redeemable solely at the option of the issuer. Classified within temporary equity if redemption is outside the control of the issuer. 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Cover
Oct. 27, 2022
Entity Information [Line Items]  
Document Type 8-K
Document Period End Date Oct. 27, 2022
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 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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