# Capital One Financial Corp. (COF)
card-bank · mixed · live · latest quarter 2026-03-31 · reporting basis ALL

**Score 2** (weighted flags). Bank holding company with a large credit card book and a prime and near-prime indirect auto book.

## Latest quarter, from the company's own XBRL

| Measure | Value |
|---|---|
| Book total (ALL) | $447.75B |
| Allowance | $23.63B (5.28% of gross) |
| Provision | $4.07B |
| Net charge-offs | $5.45B (4.83% annualized) |
| Provision / NCO | 0.75 |
| Reserve, quarters of losses | 4.3 |
| 30+ / 60+ / 90+ | – / – / 1.11% |
| Nonaccrual | 0.40% |
| Yield | 13.08% |
| Equity / assets | 16.44% |
| Book growth YoY | 38.4% |

Delinquency note: Total loans held for investment: card, consumer banking (mostly auto) and commercial are blended, so every ratio here is a bank-wide read, not an auto read. Capital One tags gross charge-offs from 2023 but no recovery element on the same basis, so the loss rate shown is GROSS charge-offs over average loans, which runs above its reported net charge-off rate. Deposit funded.

## Flags

- **Provision below net charge-offs for consecutive quarters** (`reserve_bleed`)

## Reads on the desk

- HIGH: Reserve bleed: provision has run below net charge-offs for 3 consecutive quarters (latest 2026-03-31, provision $4.07B against $5.45B of net charge-offs). The allowance is absorbing losses it is not being refilled for. Threshold: two consecutive quarters.

## In the news

- 2026-08-17 [Capital One Financial Corp's Dividend Analysis - Yahoo Finance](https://news.google.com/rss/articles/CBMiowFBVV95cUxOWU4tN21RZk5JUG93eGRKb0tKZ21TNHhOUjlXR3cwVTM1NmtfNk51U2tlbHdfcUh0Si1pVjR6b1d2RGpGQnJuR1dnYWZqWEc5TjdTejdmbThiQ09aWXVfWWsySkZvbGhQamtrdFJzWnVrY0EyRk10bllrdGhpOVdWVnV3M29xVmhiNVVKWFZQc1pMeklxVmJCRFVoN0F1OUxTT2lB?oc=5) · Yahoo Finance
- 2026-09-02 [Capital One Financial Corp Stock (COF) Moved Up by 3.57% on Sep 2: What Signal Does It Send? - TradingKey](https://news.google.com/rss/articles/CBMiigFBVV95cUxNaG9CaTVmR0ZkT0ZNRW1fTmpZMWtCYkpLSlp6b1gtQnFlZDMxLWc0bFp3bmp1dFk4UjU5VHhTZWkycy13dFJoNGwwTUpGUmJWcVZIVjBkZUtLZTFiUGNkbXhXMEp0aXRtRzRXdTM4VXdhTGJNNm9ySmw5WC0zUG51M2d3aVBHSTU1MXc?oc=5) · TradingKey
- 2026-09-09 [Capital One Financial Announces Fixed-to-Floating Senior Notes Due 2032 and 2037 (NYSE: COF) - Kalkine Media](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOXzhyRGVuUkxjZVpmQTBqWGc3NE1GOEVxcGRjdDFDY29GeG40b0xyb1hYNnJVTXg2Vzh6RmZ1djN3NWdlV3FQbENoWTZhVGM5UmtFQm0za2s3VzJGcnJDRlpnTVNmbldDbUgxTkphQ0NPSXZUbS1nYmx3MXJBNC1jNjRKazFPUUxSdzNremhJX0FUX3FfcjQyNTVkZnZRaTc1eDdxTjd1RzY2N1Yxb1A3bDRzeENKODVwcm0wamhaNWpuUEJlX2wxSDdPTkFGcEhXRWc?oc=5) · Kalkine Media
- 2026-09-02 [Planned stock sale by Capital One (NYSE: COF) legal chief - stocktitan.net](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPM05TSDJySXZzLUZXd092SHZmUDA4bWpvV1FQckRVN3c3SmxjazNPU0JQZjV1Ri1PZ1BOcndSa3BOU0RuaUg0eHlGUTBUR0hqRzFldC0zOFlldlJWMXRqV2tPVFNNNHBjWTFnVTg2Slh5b3JYOTVwdnpnbWpLTVBEal9Iakg0RGtER3JHaTh5bF9MbHBvUndjdGRyQU5iWXFvemt1MzBsOU1KdXotUWVRRGJKb2hRbDhDSGN3?oc=5) · stocktitan.net
- 2026-08-20 [A Look at Capital One Financial Corp (COF) After 3.7% Decline -- GF Value $181.65 vs Price $212.48 - gurufocus.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxOXzdVVi1EdlhmeHYwLUdIb3VYRU1BZ3U1WEREX3ZZR0lHalZRbnZQUXJsVk44cUVSamlNLTBURE1OZEtBXzhYZFBkcm5Kd2ZRTExYYWRNSHFkSXVCd29JTnFmVzRkZU9ucHFzeGdja1JJZjlKNl94cXJWTWNoUjBIZklfLVZMNldFdUNlQUtLb2xEQkotdDhFNllsZW1FbW5YVmNtdVViVUR4UE4yTjQ3SE1GTjdTcmpsRmxSV25YT0k1c00w?oc=5) · gurufocus.com
- 2026-08-18 [Capital One pres Lia Dean sells $494,565 in COF stock - Investing.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNYWRxc1lFd2NIaUtCMm5Gd2J6T2VDTU9wMkZ3WkRiUm43WmZOUXR0VGhFLVc0a3Z3V0NPT1Z5WlpPa3VQX0JvSU9RRGZ3OTJGNmktSVRHcTNTZVd2ZUhIakpROEZLNy00UTJlYzZ2d3FvUElkZ1FFcVlwQWY0VGwtclR2VE5BX3pRd3VnU2xuY24wbllBZkN2eElvOExUeEZPa3hVNWhpbjlyaDNWS0UzMnBVQ3BNRkU?oc=5) · Investing.com
- 2026-09-09 [Capital One stock heads into the open after a 2.5 percent drop - AD HOC NEWS](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQUjZ1OUpLRENfVUN2Q18tQ3BkY1JROHhLLTZKa1Y5ZDhRUUZBeVc2Wk9QMGxmMDNHU3l2R1RtZ1dnVWNfb1VTZy1FbnZ5cmVpTWp3b2hyYWNpRWg1SzRBSkFiODdPSjdaVVVVTFN1ZEVGcWJuNTk1RzNuQU9VSHhPTjNmNERvYVVpMGh3SllDVHBxRFpIOVlBY3BGM3lqdjFwTFJOV2hwQkZpaWx4NldBczR3aVBfNjhpaTIzNFJVOU1yTlE?oc=5) · AD HOC NEWS
- 2026-07-17 [Is Capital One Financial Corp (COF) Positioned to Benefit from AI? - Yahoo Finance](https://news.google.com/rss/articles/CBMimwFBVV95cUxQVzNyaU5lU3pyUFp5cHlCZnBQM2lXUXQ4a1pLYlRacHFjeE4tOHZwRzZ5OEdueWdzUGxWSEMzREhKMkV5VU80aG95am9kRW01U0R3NG5QUmFjbGVNTmprbkVJYTVsTDZzamEyVktCUFJHZTJPSUJYNWFRRlRIUmN5SkpnUTNMNm4xMnBpa1JleHM4OXFRcy1GNlhIaw?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/intel/#co=COF
- Data: https://getbookiq.com/intel/data/pubco.json (companies[].hist, columns q, receivables_gross, receivables_net, receivables_fv, book_total, allowance, provision, writeoffs, recoveries, nco, revenue, interest_income, nonaccrual, assets, equity, debt, alw_ratio, nco_rate, yield, prov_nco, nonacc_ratio, equity_ratio, leverage, reserve_qtrs, growth_yoy, alw_chg_yoy, nco_chg_yoy, nonacc_chg_yoy, yield_chg_yoy, eq_chg_yoy, dq30, dq60, dq90, dq_total, dq30_r, dq60_r, dq90_r, dq_total_r, dq90_chg_yoy, dqtot_chg_yoy, score)
- Definitions: https://getbookiq.com/dictionary/#auto-prov_nco
- Source: SEC XBRL company facts. Blank means the filer does not tag that concept, never zero. Peer comparison is within a business model or tier only.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide