10-Q quarterly report · filed Nov 3, 2025

Capital One (COF) Q3 2025 10-Q Quarterly Report

Short answer

Capital One (COF) filed its Q3 2025 10-Q quarterly report on Nov 3, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $2.3B (up 57.8% year over year) with net income of $3.2B.

Q3 2025 key financials · XBRL

Revenue
$2.3B
+57.8% YoY · +23.8% QoQ
Net income
$3.2B
+79.6% YoY · +174.6% QoQ
EPS (diluted)
$6.97
+58.0% YoY · +168.4% QoQ

Source: XBRL data from the Capital One (COF) Q3 2025 10-Q on SEC EDGAR. USD.

Capital One Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Share repurchase $1.0B in Q3 2025, $1.3B YTD under new $16B authorization starting Oct 21, 2025
  • Federal Reserve stress capital buffer set at 4.5% for Oct 1, 2025-Sep 30, 2026
  • Minimum CET1, Tier 1, total capital ratios under stress capital buffer: 9.0%, 10.5%, 12.5% respectively
  • No revenue, profitability, segment performance, or cash flow details disclosed in this section

Risk Factors

  • New integration risk related to Discover acquisition completed May 18, 2025, including potential higher expenses and delayed benefits realization
  • Material update on liquidity risk emphasizing ability to maintain adequate funding amid macroeconomic instability and changing interest rates
  • Heightened regulatory risk from evolving capital and liquidity requirements including Basel III Finalization Proposal impacting banks with $100B+ assets
  • Near-term operational risk from managing cyberattacks affecting systems, data security, and third-party supply chains
  • Financial risk from credit losses and delinquencies with potential for inadequate reserves under CECL accounting impacting future capital levels

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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