COF Capital One
FY2025 10-K
Capital One (COF) filed its fiscal year 2025 10-K annual report with the SEC on Feb 19, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business model: diversified financial services including banking, credit cards, and lending
- • No new products, services, or segments introduced or emphasized in FY2026 filing
Management Discussion & Analysis
- • Combined pro forma revenue: net interest income $48.9B vs $45.5B, non-interest income $11.5B vs $10.9B for 2025 vs 2024
- • Pro forma income from continuing operations $10.2B in 2025 vs $1.7B in 2024, reflecting credit loss provisions on acquired loans
Risk Factors
- • Regulatory risk: potential impact from Moody’s, Fitch stable ratings and S&P positive outlook on senior unsecured long-term debt
- • Macroeconomic threat: unfunded lending commitments increased to $729.6B in 2025 from $458.1B in 2024, stressing liquidity
Financial SummaryXBRL
Revenue
$8.1B
Net Income
$2.5B
Net Margin
30.4%
ROE
2.2%
Total Assets
$669.0B
EPS (Diluted)
$4.03
Operating Cash Flow
$27.7B
Source: XBRL data from Capital One FY2025 10-K filing on SEC EDGAR. All figures in USD.
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