← Research LibraryThe BriefFY2025 10-K · headline figures audited against SEC data
Capital One became a larger card-and-payments company through Discover, but FY2025 earnings fell while cash flow and capital returns rose.
The read at a glance✓ Audited against SEC data
- Fee growth — Contract revenue +36.3% to $8.06BOK
- Profitability — Net income -48.4% to $2.45BWatch
- Cash flow — FCF +54.2% to $26.14BOK
- Segments — Credit Card revenue $39.56BOK
- Capital — CET1 14.3%; buybacks $4.10BNote
- Balance sheet — Equity +86.9%; debt +10.9%OK
- Insiders — 0 buys / 34 sellsWatch
- Accounting — Bank screens not shownNote
Business
Capital One is a McLean, Virginia-based financial services holding company with banking and non-banking subsidiaries. It was the largest U.S. credit-card issuer by outstanding card-loan balance at December 31, 2025, and the Discover acquisition added personal loans plus the Discover Network, PULSE Network, Diners Club, and network-partner relationships.
Where the revenue comes from
Fiscal 2025, as CAPITAL ONE FINANCIAL CORP reports it. History and quarterly detail are in the app.
- Credit Card$39.6B
- Consumer Banking$10.4B
- Commercial Banking$3.7B
Leadership changes
From CAPITAL ONE FINANCIAL CORP's own filings, the day they're filed.
- Eligible Employee · departureeff. 2026-03-01
- Suni P. Harford · director · appointmenteff. 2024-04-01
- Base Salary · Chief Executive Officer · departure
Latest filings
- 8-K · Company announcement2026-09-01
- 8-K · Company announcement2026-08-20
- 8-K · Company announcement2026-08-17
- 10-Q · Quarterly report2026-07-28
- 8-K · Company announcement2026-07-21
In the full recordFree for 14 days
- What changed🔒
- Insider signal🔒
- Growth quality🔒
- Margins & accounting🔒
- Capital allocation🔒
- Real risks🔒
- The long arc🔒
- Company history🔒
- The filings, readable — with what changed vs the prior year highlighted🔒
- Full financial statements, industry-aware, sources cited throughout🔒
- Forensic score history & components — the trend, not one year🔒
- Ownership: insider buys/sells, clusters, activist stakes🔒
- Ana — ask about CAPITAL ONE FINANCIAL CORP, every answer cited to the official filings🔒
Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
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