Form 8-K

8-K — CAPITAL ONE FINANCIAL CORP

Accession: 0000927628-26-000142

Filed: 2026-10-20

Period: 2026-10-20

CIK: 0000927628

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — cof-20261020.htm (Primary)

EX-99.1 (ex991q32026earningsrelease.htm)

EX-99.2 (ex992q32026earningsrelease.htm)

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8-K

8-K (Primary)

Filename: cof-20261020.htm · Sequence: 1

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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 20, 2026

Date of Report (Date of earliest event reported)

____________________________________

CAPITAL ONE FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

____________________________________

Delaware 001-13300 54-1719854

(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 Class Trading 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 I COF 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 J COF 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 K COF 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 L COF 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 N COF PRN

New York Stock Exchange

1.650% Senior Notes Due 2029 COF29

New York Stock Exchange

4.326% Fixed-to-Floating Rate Senior Notes Due 2032 COF32

New York Stock Exchange

4.832% Fixed-to-Floating Rate Senior Notes Due 2037 COF37

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 20, 2026, Capital One Financial Corporation (the “Company”) issued a press release announcing its financial results for the third quarter ended September 30, 2026. 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

Press Release, dated October 20, 2026 - Third Quarter 2026

99.2

Financial Supplement - Third Quarter 2026

104 The 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 20, 2026 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 03, 2026 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 20, 2026

By: /s/ TIMOTHY P. GOLDEN

Timothy P. Golden

SVP, Chief Accounting Officer

3

EX-99.1

EX-99.1

Filename: ex991q32026earningsrelease.htm · Sequence: 2

Document

Exhibit 99.1

News Release

Contacts:

Investor Relations Media Relations

Jeff Norris Danielle Dietz Sie Soheili

jeff.norris@capitalone.com danielle.dietz@capitalone.com sie.soheili@capitalone.com

FOR IMMEDIATE RELEASE: October 20, 2026

Capital One Reports Third Quarter 2026 Net Income of $3.5 billion,

or $5.61 per share

Net of adjusting items, Third Quarter 2026 Net Income of $6.69 per share(1)

McLean, Va. (October 20, 2026) – Capital One Financial Corporation (NYSE: COF) today announced net income for the third quarter of 2026 of $3.5 billion, or $5.61 per diluted common share, compared with net income of $3.0 billion, or $4.73 per diluted common share in the second quarter of 2026, and with net income of $3.2 billion, or $4.83 per diluted common share in the third quarter of 2025. Adjusted net income(1) for the third quarter of 2026 was $6.69 per diluted common share.

"The Discover integration continues to go well and we’re making good progress on delivering the expected synergies" said Richard D. Fairbank, Founder, Chairman, and Chief Executive Officer. "We continue to invest to deliver sustained growth and value creation over the long-term."

The quarter included the following adjusting items:

(Dollars in millions, except per share data) Pre-Tax Impact After-Tax Diluted EPS Impact

Acquisition amortization expenses(2)

$ 483  $ 0.60

Discover integration expenses $ 338  $ 0.42

Brex integration expenses $ 47  $ 0.06

Capital One Third Quarter 2026 Earnings

Page 2

All comparisons below are for the third quarter of 2026 compared with the second quarter of 2026 unless otherwise noted.

Third Quarter 2026 Income Statement Summary:

•Total net revenue increased 3 percent to $16.3 billion.

•Total non-interest expense decreased 2 percent to $8.9 billion:

◦4 percent decrease in marketing.

◦2 percent decrease in operating expenses.

•Pre-provision earnings(3) increased 10 percent to $7.5 billion.

•Provision for credit losses decreased $73 million to $2.9 billion:

◦Net charge-offs of $3.1 billion.

◦$225 million loan reserve release.

•Net interest margin of 8.41 percent, an increase of 40 basis points.

•Efficiency ratio of 54.19 percent.

◦Adjusted efficiency ratio(4) of 48.76 percent.

•Operating efficiency ratio of 44.43 percent.

◦Adjusted operating efficiency ratio(4) of 38.99 percent.

Third Quarter 2026 Balance Sheet Summary:

•Common equity Tier 1 capital ratio(5) under Basel III Standardized Approach of 13.8% as of September 30, 2026.

•Period-end loans held for investment in the quarter increased $5.4 billion, or 1 percent, to $462.5 billion.

◦Credit Card period-end loans increased $952 million, or less than 1 percent, to $276.4 billion.

•Domestic Card period-end loans increased $1.2 billion, or less than 1 percent, to $260.3 billion.

◦Consumer Banking period-end loans increased $3.6 billion, or 4 percent, to $94.0 billion.

•Auto period-end loans increased $3.6 billion, or 4 percent, to $92.9 billion.

◦Commercial Banking period-end loans increased $834 million, or 1 percent, to $92.1 billion.

•Average loans held for investment in the quarter increased $6.7 billion, or 1 percent, to $457.4 billion.

◦Credit Card average loans increased $2.5 billion, or 1 percent, to $273.7 billion.

•Domestic Card average loans increased $2.7 billion, or 1 percent, to $257.3 billion.

◦Consumer Banking average loans increased $3.7 billion, or 4 percent, to $92.3 billion.

•Auto average loans increased $3.8 billion, or 4 percent, to $91.2 billion.

◦Commercial Banking average loans increased $481 million, or 1 percent, to $91.4 billion.

•Period-end total deposits decreased $3.6 billion, or 1 percent, to $480.7 billion, while average deposits decreased $4.2 billion, or 1 percent, to $482.6 billion.

•Interest-bearing deposits rate paid increased 3 basis points to 2.94 percent.

Capital One Third Quarter 2026 Earnings

Page 3

Earnings Conference Call Webcast Information

The company will hold an earnings conference call on October 20, 2026 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 03, 2026 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. Forward-looking statements often use words such as “will,” “anticipate,” “target,” “expect,” “think,” “estimate,” “intend,” “plan,” “goal,” “believe,” “forecast,” “outlook” or other words of similar meaning. Any forward-looking statements made by Capital One or on its behalf speak only as of the date they are made or as of the date indicated, and Capital One does not undertake any obligation to update forward-looking statements as a result of new information, future events or otherwise. 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. For additional information on factors that could materially influence forward-looking statements included in this earnings press release, see the risk factors set forth under “Part I—Item 1A. Risk Factors” in the Annual Report on Form 10-K for the year ended December 31, 2025 filed with the Securities and Exchange Commission (the “SEC”) and Quarterly Reports on Form 10-Q and Current Reports on Form 8-K filed with the SEC.

About Capital One

Capital One Financial Corporation (NYSE: COF) is a leading technology-based financial services company with $480.7 billion in deposits and $672.9 billion in total assets as of September 30, 2026. Headquartered in McLean, Virginia, the company operates as a premier global payments provider and diversified financial institution, delivering a broad suite of products and consumer lifestyle and shopping experiences through its Credit Card, Consumer Banking including its Global Payment Network, and Commercial Banking lines of business. As the only major U.S. bank to migrate entirely to the public cloud, Capital One leverages proprietary data and advanced analytics to democratize financial tools across its primary markets in the United States, Canada, and the United Kingdom.

###

(1)    Amounts excluding adjusting items are non-GAAP measures that we believe help investors and users of our financial information understand the effect of adjusting items on our selected reported results and provide alternate measurements of our performance, both in the current period and across periods. See our Financial Supplement, filed as Exhibit 99.2 to our Current Report on Form 8-K on October 20, 2026 with the SEC, “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures for a reconciliation of our selected reported results to these non-GAAP measures.

(2)    Includes purchase accounting-related amortization for acquisitions where integration expenses were also adjusted.

(3)    Pre-provision earnings is a non-GAAP metric calculated based on total net revenue less non-interest expense for the period. Management believes that this financial metric is useful in assessing the ability of a lending institution to generate income in excess of its provision for credit losses. See our Financial Supplement, filed as Exhibit 99.2 to our Current Report on Form 8-K on October 20, 2026 with the SEC, “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures” for a reconciliation and additional information on non-GAAP measures.

(4)    This is a non-GAAP measure. We believe non-GAAP measures help investors and users of our financial information understand the effect of adjusting items on our selected reported results and provide alternate measurements of our performance, both in the current period and across periods. See our Financial Supplement, filed as Exhibit 99.2 to our Current Report on Form 8-K on October 20, 2026 with the SEC, “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures” for a reconciliation and additional information on non-GAAP measures.

(5)    Regulatory capital metrics as of September 30, 2026 are preliminary and therefore subject to change.

EX-99.2

EX-99.2

Filename: ex992q32026earningsrelease.htm · Sequence: 3

Document

Exhibit 99.2

Capital One Financial Corporation

Financial Supplement(1)(2)(3)

Third Quarter 2026

Table of Contents

Capital One Financial Corporation Consolidated Results Page

Table 1:

Financial Summary—Consolidated

1

Table 2:

Selected Metrics—Consolidated

3

Table 3:

Consolidated Statements of Income

4

Table 4:

Consolidated Balance Sheets

6

Table 5:

Notes to Financial Summary, Selected Metrics and Consolidated Financial Statements (Tables 1—4)

8

Table 6:

Average Balances, Net Interest Income and Net Interest Margin

9

Table 7:

Loan Information and Performance Statistics

10

Table 8:

Allowance for Credit Losses and Reserve for Unfunded Lending Commitments Activity

13

Business Segment Results

Table 9:

Financial Summary—Business Segment Results

14

Table 10:

Financial & Statistical Summary—Credit Card Business

15

Table 11:

Financial & Statistical Summary—Consumer Banking Business

17

Table 12:

Financial & Statistical Summary—Commercial Banking Business

18

Table 13:

Financial & Statistical Summary—Other and Total

19

Other

Table 14:

Notes to Net Interest Margin, Loan, Allowance and Business Segment Disclosures (Tables 6—13)

20

Table 15:

Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures

21

Table 16:

Notes to Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures (Table 15)

26

__________

(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, 2026 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 when assessing returns and capital management over time. 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. See “Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures” for a reconciliation of any non-GAAP financial measures.

(3)On April 7, 2026, we completed the acquisition of Brex in a combination of stock and cash transaction.

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 1: Financial Summary—Consolidated

2026 Q3 Nine Months Ended September 30,

(Dollars in millions, except per share data and as noted) 2026 2026 2026 2025 2025 2026 2025 2026 vs.

Q3 Q2 Q1 Q4 Q3 Q2 Q3 2026 2025 2025

Income Statement

Net interest income $ 12,886  $ 12,374  $ 12,145  $ 12,466  $ 12,404  4% 4% $ 37,405  $ 30,412  23%

Non-interest income 3,458  3,476  3,086  3,117  2,955  (1) 17 10,020  7,439  35

Total net revenue(1)

16,344  15,850  15,231  15,583  15,359  3 6 47,425  37,851  25

Provision for credit losses 2,916  2,989  4,068  4,142  2,714  (2) 7 9,973  16,513  (40)

Non-interest expense:

Marketing 1,594  1,661  1,497  1,934  1,403  (4) 14 4,752  3,950  20

Operating expense 7,262  7,382  6,967  7,408  6,860  (2) 6 21,611  17,206  26

Total non-interest expense 8,856  9,043  8,464  9,342  8,263  (2) 7 26,363  21,156  25

Income from continuing operations before income taxes 4,572  3,818  2,699  2,099  4,382  20 4 11,089  182  **

Income tax provision (benefit) 1,033  798  518  345  1,189  29 (13) 2,349  (152) **

Income from continuing operations, net of tax 3,539  3,020  2,181  1,754  3,193  17 11 8,740  334  **

Income (loss) from discontinued operations, net of tax —  —  (7) 380  (1) — ** (7) (15) (53)

Net income 3,539  3,020  2,174  2,134  3,192  17 11 8,733  319  **

Dividends and undistributed earnings allocated to participating securities(2)

(32) (28) (20) (20) (33) 14 (3) (80) (13) **

Preferred stock dividends (73) (57) (73) (57) (73) 28 — (203) (195) 4%

Impacts from preferred stock redemptions (12) —  —  —  —  ** ** (12) 6  **

Net income available to common stockholders $ 3,422  $ 2,935  $ 2,081  $ 2,057  $ 3,086  17% 11% $ 8,438  $ 117  **

Common Share Statistics

Basic earnings per common share:(2)

Net income from continuing operations $ 5.62  $ 4.73  $ 3.35  $ 2.66  $ 4.83  19% 16% $ 13.68  $ 0.26  **

Income (loss) from discontinued operations —  —  (0.01) 0.60  —  — — (0.01) (0.03) (67)%

Net income per basic common share $ 5.62  $ 4.73  $ 3.34  $ 3.26  $ 4.83  19% 16% $ 13.67  $ 0.23  **

Diluted earnings per common share:(2)

Net income from continuing operations $ 5.61  $ 4.73  $ 3.35  $ 2.66  $ 4.83  19% 16% $ 13.66  $ 0.26  **

Income (loss) from discontinued operations —  —  (0.01) 0.60  —  — — (0.01) (0.03) (67)%

Net income per diluted common share $ 5.61  $ 4.73  $ 3.34  $ 3.26  $ 4.83  19% 16% $ 13.65  $ 0.23  **

Weighted-average common shares outstanding (in millions):

Basic 608.9  620.5  622.5  631.1  639.0  (2)% (5)% 617.2  510.2  21%

Diluted 609.5  621.1  623.4  631.6  639.5  (2) (5) 618.0  510.9  21

Common shares outstanding (period-end, in millions) 601.5  613.5  615.9  625.1  635.7  (2) (5) 601.5  635.7  (5)

Dividends declared and paid per common share $ 0.80  $ 0.80  $ 0.80  $ 0.80  $ 0.60  — 33 $ 2.40  $ 1.80  33

Tangible book value per common share (period-end)(3)

102.72  105.21  107.76  107.72  105.18  (2)% (2)% 102.72  105.18  (2)%

1

2026 Q3 Nine Months Ended September 30,

(Dollars in millions) 2026 2026 2026 2025 2025 2026 2025 2026 vs.

Q3 Q2 Q1 Q4 Q3 Q2 Q3 2026 2025 2025

Balance Sheet (Period-End)

Loans held for investment $ 462,530  $ 457,168  $ 447,754  $ 453,622  $ 443,159  1% 4% $ 462,530  $ 443,159  4%

Interest-earning assets 610,799  610,913  624,560  613,750  605,235  — 1 610,799  605,235  1

Total assets 672,867  673,835  682,905  669,009  661,877  — 2 672,867  661,877  2

Interest-bearing deposits 453,006  456,464  461,117  448,386  441,136  (1) 3 453,006  441,136  3

Total deposits 480,697  484,257  489,053  475,771  468,785  (1) 3 480,697  468,785  3

Borrowings 49,774  45,371  51,888  51,000  51,482  10 (3) 49,774  51,482  (3)

Common equity 105,237  108,386  106,854  108,209  108,406  (3) (3) 105,237  108,406  (3)

Total stockholders’ equity 109,656  113,793  112,261  113,616  113,813  (4) (4) 109,656  113,813  (4)

Balance Sheet (Average Balances)

Loans held for investment $ 457,380  $ 450,679  $ 446,235  $ 444,680  $ 439,859  1% 4% $ 451,472  $ 380,564  19%

Interest-earning assets 612,521  617,583  617,173  603,730  593,247  (1) 3 615,741  527,461  17

Total assets 676,168  682,079  675,999  665,656  657,858  (1) 3 678,056  574,602  18

Interest-bearing deposits 454,245  458,130  451,957  442,763  439,527  (1) 3 454,785  388,541  17

Total deposits 482,613  486,791  479,958  470,965  467,280  (1) 3 483,130  415,686  16

Borrowings 48,061  49,092  52,348  50,814  50,180  (2) (4) 49,818  47,097  6

Common equity 108,486  109,111  109,149  109,997  107,412  (1) 1 108,913  82,306  32

Total stockholders’ equity 113,571  114,518  114,556  115,404  112,819  (1) 1 114,211  87,511  31

2

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 2: Selected Metrics—Consolidated

2026 Q3 Nine Months Ended September 30,

(Dollars in millions, except as noted) 2026 2026 2026 2025 2025 2026 2025 2026 vs.

Q3 Q2 Q1 Q4 Q3 Q2 Q3 2026 2025 2025

Performance Metrics

Net interest income growth (period over period) 4 % 2 % (3) % —  % 24 % ** ** 23 % 32 % **

Non-interest income growth (period over period) (1) 13  (1) 5  18  ** ** 35  28  **

Total net revenue growth (period over period) 3  4  (2) 1  23  ** ** 25  31  **

Total net revenue margin(4)

10.67  10.27  9.87  10.32  10.36  40bps 31bps 10.27  9.57  70bps

Net interest margin(5)

8.41  8.01  7.87  8.26  8.36  40  5  8.10  7.69  41

Return on average assets(6)

2.09  1.77  1.29  1.05  1.94  32  15  1.72  0.08  164

Return on average tangible assets(7)

2.24  1.89  1.37  1.12  2.07  35  17  1.83  0.08  175

Return on average common equity(8)

12.62  10.76  7.65  6.10  11.50  186  112  10.34  0.21  1,013

Return on average tangible common equity(9)

21.12  18.04  12.20  9.74  18.82  308  230  17.04  0.33  1,671

Efficiency ratio(10)

54.19  57.05  55.57  59.95  53.80  (286) 39  55.59  55.89  (30)

Operating efficiency ratio(11)

44.43  46.57  45.74  47.54  44.66  (214) (23) 45.57  45.46  11

Effective income tax rate for continuing operations 22.6  20.9  19.2  16.4  27.1  170  (450) 21.2  (83.5) **

Employees (period-end, in thousands) 77.5  78.4  77.1  76.3  77.0  (1)% 1% 77.5  77.0  1%

Credit Quality Metrics

Allowance for credit losses $ 22,739 $ 22,966 $ 23,630 $ 23,409 $ 23,103 (1)% (2)% $ 22,739 $ 23,103 (2)%

Allowance coverage ratio 4.92 % 5.02 % 5.28 % 5.16 % 5.21 % (10) bps (29) bps 4.92 % 5.21 % (29) bps

Net charge-offs $ 3,121 $ 3,642 $ 3,847 $ 3,833 $ 3,473 (14)% (10)% $ 10,610 $ 9,269 14%

Net charge-off rate(12)

2.73 % 3.23 % 3.45 % 3.45 % 3.16 % (50) bps (43) bps 3.13 % 3.25 % (12) bps

30+ day performing delinquency rate 3.18  2.91  3.04  3.41  3.29  27  (11) 3.18  3.29  (11)

30+ day delinquency rate 3.41  3.13  3.24  3.59  3.50  28  (9) 3.41  3.50  (9)

Capital Ratios(13)

Common equity Tier 1 capital

13.8 % 13.7 % 14.4 % 14.3 % 14.4 % 10bps (60) bps 13.8 % 14.4 % (60) bps

Tier 1 capital 14.6  14.8  15.4  15.3  15.5  (20) (90) 14.6  15.5  (90)

Total capital 16.5  16.6  17.3  17.2  17.3  (10) (80) 16.5  17.3  (80)

Tier 1 leverage 11.9  11.8  12.2  12.5  12.6  10  (70) 11.9  12.6  (70)

Tangible common equity (“TCE”)(14)

9.8  10.2  10.3  10.7  10.8  (40) (100) 9.8  10.8  (100)

3

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 3: Consolidated Statements of Income

2026 Q3 Nine Months Ended September 30,

(Dollars in millions, except as noted) 2026 2026 2026 2025 2025 2026 2025 2026 vs.

Q3 Q2 Q1 Q4 Q3 Q2 Q3 2026 2025 2025

Interest income:

Loans, including loans held for sale $ 15,515  $ 14,911  $ 14,735  $ 15,186  $ 15,229  4% 2% $ 45,161  $ 37,835  19%

Investment securities 867  850  832  841  823  2 5 2,549  2,377  7

Other 517  624  664  660  711  (17) (27) 1,805  1,797  —

Total interest income 16,899  16,385  16,231  16,687  16,763  3 1 49,515  42,009  18

Interest expense:

Deposits 3,334  3,338  3,387  3,493  3,597  — (7) 10,059  9,432  7

Securitized debt obligations 127  117  141  155  165  9 (23) 385  505  (24)

Senior and subordinated notes 528  535  532  550  582  (1) (9) 1,595  1,622  (2)

Other borrowings 24  21  26  23  15  14 60 71  38  87

Total interest expense 4,013  4,011  4,086  4,221  4,359  — (8) 12,110  11,597  4

Net interest income 12,886  12,374  12,145  12,466  12,404  4 4 37,405  30,412  23

Provision for credit losses 2,916  2,989  4,068  4,142  2,714  (2) 7 9,973  16,513  (40)

Net interest income after provision for credit losses 9,970  9,385  8,077  8,324  9,690  6 3 27,432  13,899  97

Non-interest income:

Discount and interchange fees, net 2,335  2,256  1,964  1,930  1,812  4 29 6,555  4,513  45

Service charges and other customer-related fees 807  808  809  833  849  — (5) 2,424  2,016  20

Net securities gains (losses) (40) —  —  —  —  ** ** (40) —  **

Other 356  412  313  354  294  (14) 21 1,081  910  19

Total non-interest income 3,458  3,476  3,086  3,117  2,955  (1) 17 10,020  7,439  35

Non-interest expense:

Salaries and associate benefits 3,733  3,769  3,671  3,430  3,496  (1) 7 11,173  9,041  24

Occupancy and equipment 985  969  867  958  856  2 15 2,821  2,208  28

Marketing 1,594  1,661  1,497  1,934  1,403  (4) 14 4,752  3,950  20

Professional services 604  667  585  693  641  (9) (6) 1,856  1,731  7

Communications and data processing 622  489  496  482  476  27 31 1,607  1,288  25

Amortization of intangibles 508  507  492  525  514  — (1) 1,507  801  88

Other 810  981  856  1,320  877  (17) (8) 2,647  2,137  24

Total non-interest expense 8,856  9,043  8,464  9,342  8,263  (2) 7 26,363  21,156  25

Income from continuing operations before income taxes 4,572  3,818  2,699  2,099  4,382  20 4 11,089  182  **

Income tax provision (benefit) 1,033  798  518  345  1,189  29 (13) 2,349  (152) **

Income from continuing operations, net of tax 3,539  3,020  2,181  1,754  3,193  17 11 8,740  334  **

Income (loss) from discontinued operations, net of tax —  —  (7) 380  (1) — ** (7) (15) (53)

Net income 3,539  3,020  2,174  2,134  3,192  17 11 8,733  319  **

Dividends and undistributed earnings allocated to participating securities(2)

(32) (28) (20) (20) (33) 14 (3) (80) (13) **

Preferred stock dividends (73) (57) (73) (57) (73) 28 — (203) (195) 4%

Impacts from preferred stock redemptions (12) —  —  —  —  ** ** (12) 6  **

Net income available to common stockholders $ 3,422  $ 2,935  $ 2,081  $ 2,057  $ 3,086  17% 11% $ 8,438  $ 117  **

4

2026 Q3 Nine Months Ended September 30,

2026 2026 2026 2025 2025 2026 2025 2026 vs.

Q3 Q2 Q1 Q4 Q3 Q2 Q3 2026 2025 2025

Basic earnings per common share:(2)

Net income from continuing operations $ 5.62  $ 4.73  $ 3.35  $ 2.66  $ 4.83  19% 16% $ 13.68  $ 0.26  **

Income (loss) from discontinued operations —  —  (0.01) 0.60  —  — — (0.01) (0.03) (67)%

Net income per basic common share $ 5.62  $ 4.73  $ 3.34  $ 3.26  $ 4.83  19% 16% $ 13.67  $ 0.23  **

Diluted earnings per common share:(2)

Net income from continuing operations $ 5.61  $ 4.73  $ 3.35  $ 2.66  $ 4.83  19% 16% $ 13.66  $ 0.26  **

Income (loss) from discontinued operations —  —  (0.01) 0.60  —  — — (0.01) (0.03) (67)%

Net income per diluted common share $ 5.61  $ 4.73  $ 3.34  $ 3.26  $ 4.83  19% 16% $ 13.65  $ 0.23  **

Weighted-average common shares outstanding (in millions):

Basic common shares 608.9  620.5  622.5  631.1  639.0  (2)% (5)% 617.2  510.2  21%

Diluted common shares 609.5  621.1  623.4  631.6  639.5  (2) (5) 618.0  510.9  21

5

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 4: Consolidated Balance Sheets

2026 Q3

2026 2026 2026 2025 2025 2026 2025

(Dollars in millions) Q3 Q2 Q1 Q4 Q3 Q2 Q3

Assets:

Cash and cash equivalents:

Cash and due from banks $ 4,950  $ 4,834  $ 4,555  $ 3,031  $ 4,606  2% 7%

Interest-bearing deposits and other short-term investments 43,939  49,880  71,939  54,403  50,673  (12) (13)

Total cash and cash equivalents 48,889  54,714  76,494  57,434  55,279  (11) (12)

Restricted cash for securitization investors 442  1,167  2,762  4,659  3,248  (62) (86)

Investment securities:

Investment securities available for sale 85,990  90,041  90,620  91,051  89,733  (4) (4)

Investment securities held to maturity

3,781  2,737  1,694  —  —  38  **

Total investment securities

89,771  92,778  92,314  91,051  89,733  (3) —

Loans held for investment:

Unsecuritized loans held for investment 435,477  431,440  421,360  425,665  389,808  1  12

Loans held in consolidated trusts(15)

27,053  25,728  26,394  27,957  53,351  5  (49)

Total loans held for investment 462,530  457,168  447,754  453,622  443,159  1  4

Allowance for credit losses (22,739) (22,966) (23,630) (23,409) (23,103) (1) (2)

Net loans held for investment 439,791  434,202  424,124  430,213  420,056  1  5

Loans held for sale 636  264  186  760  670  141  (5)

Premises and equipment, net 6,158  6,244  5,730  5,602  5,576  (1) 10

Interest receivable 3,531  3,432  3,460  3,492  3,456  3  2

Goodwill 31,880  31,866  28,502  28,509  28,863  —  10

Other intangible assets

15,569  16,077  16,087  16,578  17,042  (3) (9)

Other assets 36,200  33,091  33,246  30,711  29,957  9  21

Assets of discontinued operations

—  —  —  —  7,997  —  **

Total assets $ 672,867  $ 673,835  $ 682,905  $ 669,009  $ 661,877  —  % 2%

6

2026 Q3

2026 2026 2026 2025 2025 2026 2025

(Dollars in millions) Q3 Q2 Q1 Q4 Q3 Q2 Q3

Liabilities:

Interest payable $ 782  $ 816  $ 827  $ 844  $ 826  (4) % (5) %

Deposits:

Non-interest-bearing deposits 27,691  27,793  27,936  27,385  27,649  —  —

Interest-bearing deposits 453,006  456,464  461,117  448,386  441,136  (1) 3

Total deposits 480,697  484,257  489,053  475,771  468,785  (1) 3

Securitized debt obligations 11,280  8,502  11,283  12,853  13,642  33  (17)

Other debt:

Federal funds purchased and securities loaned or sold under agreements to repurchase 612  694  626  587  616  (12) (1)

Senior and subordinated notes 36,347  35,620  38,421  36,001  36,662  2  (1)

Other borrowings 1,535  555  1,558  1,559  562  177  173

Total other debt 38,494  36,869  40,605  38,147  37,840  4  2

Other liabilities 31,958  29,598  28,876  27,778  26,941  8  19

Liabilities of discontinued operations

—  —  —  —  30  —  **

Total liabilities 563,211  560,042  570,644  555,393  548,064  1  3

Stockholders’ equity:

Preferred stock 0  0  0  0  0  —  —

Common stock 7  7  7  7  7  —  —

Additional paid-in capital, net 64,397  65,105  64,284  64,031  63,725  (1) 1

Retained earnings 72,213  69,250  66,788  65,192  63,624  4  13

Accumulated other comprehensive loss (10,008) (6,300) (5,879) (5,468) (5,917) 59  69

Treasury stock, at cost (16,953) (14,269) (12,939) (10,146) (7,626) 19  122

Total stockholders’ equity 109,656  113,793  112,261  113,616  113,813  (4) (4)

Total liabilities and stockholders’ equity $ 672,867  $ 673,835  $ 682,905  $ 669,009  $ 661,877  —  % 2%

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 $784 million in Q3 2026, $898 million in Q2 2026, $980 million in Q1 2026, $941 million in Q4 2025 and $869 million in Q3 2025 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)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.

(4)Total net revenue margin is calculated based on annualized total net revenue for the period divided by average interest-earning assets for the period.

(5)Net interest margin is calculated based on annualized net interest income for the period divided by average interest-earning assets for the period.

(6)Return on average assets is calculated based on annualized net income (loss) less annualized income (loss) from discontinued operations, net of tax, for the period divided by average total assets for the period.

(7)Return on average tangible assets is a non-GAAP measure calculated based on annualized net income (loss) less annualized income (loss) from discontinued 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. 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 2026 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.

(15)On December 18, 2025, after giving effect to the Discover Card Execution Note Trust (“DCENT”) Defeasance Amendments, Funding, as Beneficiary on behalf of DCENT, defeased the outstanding DiscoverSeries Class A(2021-2) Notes, Class A(2023-1) Notes, and Class A(2023-2) Notes (collectively, the “Class A Notes”) issued by DCENT.

**    Not meaningful.

8

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 6: Average Balances, Net Interest Income and Net Interest Margin

2026 Q3 2026 Q2 2025 Q3

(Dollars in millions, except as noted) Average Balance Interest Income/ Expense

Yield/Rate(1)

Average Balance Interest Income/ Expense

Yield/Rate(1)

Average Balance Interest Income/ Expense

Yield/Rate(1)

Interest-earning assets:

Loans, including loans held for sale $ 457,831  $ 15,515  13.56 % $ 450,862  $ 14,911  13.23 % $ 440,374  $ 15,229  13.83 %

Investment securities 99,842  867  3.48  99,339  850  3.42  96,186  823  3.42

Cash equivalents and other 54,848  517  3.77  67,382  624  3.70  56,687  711  5.02

Total interest-earning assets $ 612,521  $ 16,899  11.04 % $ 617,583  $ 16,385  10.61 % $ 593,247  $ 16,763  11.30 %

Interest-bearing liabilities:

Interest-bearing deposits $ 454,245  $ 3,334  2.94 % $ 458,130  $ 3,338  2.91 % $ 439,527  $ 3,597  3.27 %

Securitized debt obligations 10,918  127  4.66  10,190  117  4.59  12,919  165  5.11

Senior and subordinated notes 35,603  528  5.93  37,498  535  5.70  36,272  582  6.41

Other borrowings and liabilities(2)

4,356  24  2.17  3,838  21  2.30  3,120  15  2.04

Total interest-bearing liabilities $ 505,122  $ 4,013  3.18 % $ 509,656  $ 4,011  3.15 % $ 491,838  $ 4,359  3.55 %

Net interest income/spread $ 12,886  7.86  $ 12,374  7.46  $ 12,404  7.75

Impact of non-interest-bearing funding 0.55  0.55  0.61

Net interest margin

8.41 % 8.01 % 8.36 %

Nine Months Ended September 30,

2026 2025

(Dollars in millions, except as noted) Average Balance Interest Income/ Expense

Yield/Rate(1)

Average Balance Interest Income/ Expense

Yield/Rate(1)

Interest-earning assets:

Loans, including loans held for sale $ 451,851  $ 45,161  13.33 % $ 380,992  $ 37,835  13.24 %

Investment securities 99,002  2,549  3.43  93,970  2,377  3.37

Cash equivalents and other 64,888  1,805  3.71  52,499  1,797  4.56

Total interest-earning assets $ 615,741  $ 49,515  10.72 % $ 527,461  $ 42,009  10.62 %

Interest-bearing liabilities:

Interest-bearing deposits $ 454,785  $ 10,059  2.95 % $ 388,541  $ 9,432  3.24 %

Securitized debt obligations 11,189  385  4.59  13,228  505  5.10

Senior and subordinated notes 36,974  1,595  5.75  33,180  1,622  6.52

Other borrowings and liabilities(2)

4,145  71  2.30  2,771  38  1.84

Total interest-bearing liabilities $ 507,093  $ 12,110  3.18 % $ 437,720  $ 11,597  3.53 %

Net interest income/spread $ 37,405  7.54  $ 30,412  7.09

Impact of non-interest-bearing funding 0.56  0.60

Net interest margin 8.10 % 7.69 %

9

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 7: Loan Information and Performance Statistics (3)

2026 Q3 Nine Months Ended September 30,

2026 2026 2026 2025 2025 2026 2025 2026 2025 2026 vs.

(Dollars in millions, except as noted) Q3 Q2 Q1 Q4 Q3 Q2 Q3 2025

Loans Held for Investment (Period-End)

Credit card:

Domestic credit card $ 260,252  $ 259,005  $ 254,028  $ 262,403  $ 253,951  —  2% $ 260,252  $ 253,951  2%

Personal loans

7,984  8,619  9,070  9,499  9,646  (7) % (17) 7,984  9,646  (17)

International card businesses 8,124  7,784  7,460  7,668  7,440  4  9 8,124  7,440  9

Total credit card 276,360  275,408  270,558  279,570  271,037  —  2 276,360  271,037  2

Consumer banking:

Auto 92,901  89,311  85,700  83,600  82,035  4  13 92,901  82,035  13

Retail banking 1,142  1,156  1,173  1,190  1,195  (1) (4) 1,142  1,195  (4)

Total consumer banking 94,043  90,467  86,873  84,790  83,230  4  13 94,043  83,230  13

Commercial banking:

Commercial and multifamily real estate 35,636  34,290  33,809  33,618  33,461  4  7 35,636  33,461  7

Commercial and industrial 56,491  57,003  56,514  55,644  55,431  (1) 2 56,491  55,431  2

Total commercial banking 92,127  91,293  90,323  89,262  88,892  1  4 92,127  88,892  4

Total loans held for investment $ 462,530  $ 457,168  $ 447,754  $ 453,622  $ 443,159  1  % 4% $ 462,530  $ 443,159  4%

Loans Held for Investment (Average)

Credit card:

Domestic credit card $ 257,311  $ 254,625  $ 254,036  $ 255,221  $ 252,090  1% 2% $ 255,336  $ 200,221  28%

Personal loans

8,314  8,866  9,310  9,618  9,703  (6) (14) 8,826  4,863  81

International card businesses 8,045  7,706  7,628  7,389  7,382  4  9 7,795  7,088  10

Total credit card 273,670  271,197  270,974  272,228  269,175  1  2 271,957  212,172  28

Consumer banking:

Auto 91,178  87,419  84,522  82,767  81,094  4  12 87,731  79,080  11

Retail banking 1,152  1,164  1,179  1,190  1,201  (1) (4) 1,165  1,224  (5)

Total consumer banking 92,330  88,583  85,701  83,957  82,295  4  12 88,896  80,304  11

Commercial banking:

Commercial and multifamily real estate 34,354  33,978  33,539  33,155  33,104  1  4 33,960  32,458  5

Commercial and industrial 57,026  56,921  56,021  55,340  55,285  —  3 56,659  55,630  2

Total commercial banking 91,380  90,899  89,560  88,495  88,389  1  3 90,619  88,088  3

Total average loans held for investment $ 457,380  $ 450,679  $ 446,235  $ 444,680  $ 439,859  1% 4% $ 451,472  $ 380,564  19%

10

2026 Q3 Nine Months Ended September 30,

2026 2026 2026 2025 2025 2026 2025 2026 2025 2026 vs.

Q3 Q2 Q1 Q4 Q3 Q2 Q3 2025

Net Charge-Off (Recovery) Rates

Credit card:

Domestic credit card 3.98 % 4.71 % 5.10 % 4.93 % 4.63 % (73) bps (65) bps 4.59 % 5.21 % (62) bps

Personal loans

3.41  3.77  3.81  4.08  3.81  (36) (40) 3.67  3.67  —

International card businesses 5.66  5.82  4.65  5.29  5.07  (16) 59  5.38  5.09  29

Total credit card 4.01  4.71  5.05  4.91  4.61  (70) (60) 4.59  5.17  (58)

Consumer banking:

Auto 1.59  1.43  1.64  1.82  1.54  16  5  1.55  1.44  11

Retail banking 5.11  5.39  5.99  6.04  4.41  (28) 70  5.50  4.57  93

Total consumer banking 1.63  1.48  1.70  1.88  1.58  15  5  1.60  1.49  11

Commercial banking:

Commercial and multifamily real estate 0.02  0.09  0.03  0.02  (0.09) (7) 11  0.05  (0.02) 7

Commercial and industrial (0.02) 0.80  0.44  0.67  0.38  (82) (40) 0.41  0.35  6

Total commercial banking —  0.53  0.29  0.43  0.21  (53) (21) 0.27  0.21  6

Total net charge-offs 2.73  3.23  3.45  3.45  3.16  (50) (43) 3.13  3.25  (12)

30+ Day Performing Delinquency Rates

Credit card:

Domestic credit card 3.74 % 3.39 % 3.70 % 3.99 % 3.89 % 35  bps (15) bps 3.74 % 3.89 % (15) bps

Personal loans

1.84  1.67  1.72  1.74  1.74  17  10  1.84  1.74  10

International card businesses 4.67  4.60  4.82  4.62  4.60  7  7  4.67  4.60  7

Total credit card 3.72  3.37  3.66  3.93  3.84  35  (12) 3.72  3.84  (12)

Consumer banking:

Auto 4.64  4.32  4.21  5.23  4.99  32  (35) 4.64  4.99  (35)

Retail banking 1.14  1.15  0.92  1.09  0.89  (1) 25  1.14  0.89  25

Total consumer banking 4.60  4.28  4.17  5.17  4.93  32  (33) 4.60  4.93  (33)

11

2026 Q3 Nine Months Ended September 30,

2026 2026 2026 2025 2025 2026 2025 2026 2025 2026 vs.

Q3 Q2 Q1 Q4 Q3 Q2 Q3 2025

Nonperforming Loans and Nonperforming Assets Rates(4)(5)

Credit card:

Personal loans

0.13 % 0.12 % 0.13 % 0.13 % 0.13 % 1   bps —  0.13 % 0.13 % —

International card businesses 0.18  0.18  0.15  0.16  0.16  —  2  bps 0.18  0.16  2  bps

Total credit card 0.01  0.01  0.01  0.01  0.01  —  —  0.01  0.01  —

Consumer banking:

Auto 0.65  0.61  0.55  0.68  0.71  4  (6) 0.65  0.71  (6)

Retail banking 1.51  1.59  1.66  1.45  1.65  (8) (14) 1.51  1.65  (14)

Total consumer banking 0.66  0.62  0.57  0.69  0.73  4  (7) 0.66  0.73  (7)

Commercial banking:

Commercial and multifamily real estate 1.24  1.29  1.07  0.95  1.05  (5) 19  1.24  1.05  19

Commercial and industrial 1.22  1.33  1.60  1.60  1.59  (11) (37) 1.22  1.59  (37)

Total commercial banking 1.22  1.32  1.40  1.36  1.39  (10) (17) 1.22  1.39  (17)

Total nonperforming loans 0.38  0.39  0.40  0.40  0.42  (1) (4) 0.38  0.42  (4)

Total nonperforming assets 0.42  0.43  0.43  0.43  0.44  (1) (2) 0.42  0.44  (2)

12

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 8: Allowance for Credit Losses and Reserve for Unfunded Lending Commitments Activity

Three Months Ended September 30, 2026

Credit Card Consumer Banking

(Dollars in millions) Domestic Card

Personal Loans

International Card Businesses Total Credit Card Auto Retail Banking Total Consumer Banking Commercial Banking Total

Allowance for credit losses:

Balance as of June 30, 2026 $ 18,101  $ 656  $ 572  $ 19,329  $ 2,142  $ 20  $ 2,162  $ 1,475  $ 22,966

Charge-offs (3,773) (104) (166) (4,043) (714) (20) (734) (21) (4,798)

Recoveries 1,213  33  52  1,298  352  6  358  21  1,677

Net charge-offs (2,560) (71) (114) (2,745) (362) (14) (376) —  (3,121)

Provision for credit losses 2,310  15  154  2,479  403  14  417  —  2,896

Allowance build (release) for credit losses (250) (56) 40  (266) 41  —  41  —  (225)

Other changes(6)

—  —  (2) (2) — — — — (2)

Balance as of September 30, 2026 17,851  600  610  19,061  2,183  20  2,203  1,475  22,739

Reserve for unfunded lending commitments:

Balance as of June 30, 2026 — — — — — —  — 142  142

Provision for losses on unfunded lending commitments — — — — — —  — 20  20

Balance as of September 30, 2026 — — — — — —  — 162  162

Combined allowance and reserve as of September 30, 2026 $ 17,851  $ 600  $ 610  $ 19,061  $ 2,183  $ 20  $ 2,203  $ 1,637  $ 22,901

Nine Months Ended September 30, 2026

Credit Card Consumer Banking

(Dollars in millions) Domestic Card

Personal Loans

International Card Businesses Total Credit Card Auto Retail Banking Total Consumer Banking Commercial Banking Total

Allowance for credit losses:

Balance as of December 31, 2025 $ 18,811  $ 731  $ 524  $ 20,066  $ 1,869  $ 23  $ 1,892  $ 1,451  $ 23,409

Charge-offs (12,325) (341) (476) (13,142) (2,108) (63) (2,171) (213) (15,526)

Recoveries 3,527  98  161  3,786  1,087  15  1,102  28  4,916

Net charge-offs (8,798) (243) (315) (9,356) (1,021) (48) (1,069) (185) (10,610)

Provision for credit losses 7,838  112  414  8,364  1,335  45  1,380  209  9,953

Allowance build (release) for credit losses (960) (131) 99  (992) 314  (3) 311  24  (657)

Other changes(6)

—  —  (13) (13) —  —  —  —  (13)

Balance as of September 30, 2026 17,851  600  610  19,061  2,183  20  2,203  1,475  22,739

Reserve for unfunded lending commitments:

Balance as of December 31, 2025 — — — — — —  —  142  142

Provision for losses on unfunded lending commitments — — — — — —  —  20  20

Balance as of September 30, 2026 — — — — — —  —  162  162

Combined allowance and reserve as of September 30, 2026 $ 17,851  $ 600  $ 610  $ 19,061  $ 2,183  $ 20  $ 2,203  $ 1,637  $ 22,901

13

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 9: Financial Summary—Business Segment Results(3)

Three Months Ended September 30, 2026 Nine Months Ended September 30, 2026

(Dollars in millions) Credit Card Consumer Banking

Commercial Banking(7)

Other(7)

Total Credit Card Consumer Banking

Commercial Banking(7)

Other(7)

Total

Net interest income $ 9,622  $ 2,531  $ 603  $ 130  $ 12,886  $ 28,110  $ 7,191  $ 1,769  $ 335  $ 37,405

Non-interest income (loss) 2,525  769  298  (134) 3,458  7,191  2,230  891  (292) 10,020

Total net revenue (loss) 12,147  3,300  901  (4) 16,344  35,301  9,421  2,660  43  47,425

Provision (benefit) for credit losses 2,479  417  20  —  2,916  8,364  1,380  229  —  9,973

Non-interest expense 5,880  2,142  467  367  8,856  17,479  6,261  1,427  1,196  26,363

Income (loss) from continuing operations before income taxes 3,788  741  414  (371) 4,572  9,458  1,780  1,004  (1,153) 11,089

Income tax provision (benefit) 929  181  101  (178) 1,033  2,319  436  246  (652) 2,349

Income (loss) from continuing operations, net of tax $ 2,859  $ 560  $ 313  $ (193) $ 3,539  $ 7,139  $ 1,344  $ 758  $ (501) $ 8,740

Three Months Ended June 30, 2026

(Dollars in millions) Credit Card Consumer Banking

Commercial Banking(7)

Other(7)

Total

Net interest income $ 9,252  $ 2,431  $ 585  $ 106  $ 12,374

Non-interest income (loss) 2,513  778  265  (80) 3,476

Total net revenue 11,765  3,209  850  26  15,850

Provision for credit losses 2,474  444  71  —  2,989

Non-interest expense 6,098  2,121  462  362  9,043

Income (loss) from continuing operations before income taxes 3,193  644  317  (336) 3,818

Income tax provision (benefit) 782  158  78  (220) 798

Income (loss) from continuing operations, net of tax $ 2,411  $ 486  $ 239  $ (116) $ 3,020

Three Months Ended September 30, 2025 Nine Months Ended September 30, 2025

(Dollars in millions) Credit Card Consumer Banking

Commercial Banking(7)

Other(7)

Total Credit Card Consumer Banking

Commercial Banking(7)

Other(7)

Total

Net interest income (loss) $ 9,396  $ 2,357  $ 586  $ 65  $ 12,404  $ 22,343  $ 6,462  $ 1,760  $ (153) $ 30,412

Non-interest income (loss) 2,211  475  318  (49) 2,955  5,524  1,052  965  (102) 7,439

Total net revenue (loss) 11,607  2,832  904  16  15,359  27,867  7,514  2,725  (255) 37,851

Provision (benefit) for credit losses 2,364  340  9  1  2,714  15,388  893  232  —  16,513

Non-interest expense 5,409  1,941  520  393  8,263  13,494  5,235  1,495  932  21,156

Income (loss) from continuing operations before income taxes 3,834  551  375  (378) 4,382  (1,015) 1,386  998  (1,187) 182

Income tax provision (benefit) 914  131  89  55  1,189  (237) 330  237  (482) (152)

Income (loss) from continuing operations, net of tax $ 2,920  $ 420  $ 286  $ (433) $ 3,193  $ (778) $ 1,056  $ 761  $ (705) $ 334

14

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 10: Financial & Statistical Summary—Credit Card Business(3)

2026 Q3 vs. Nine Months Ended September 30,

2026 2026 2026 2025 2025 2026 2025 2026 vs.

(Dollars in millions, except as noted) Q3 Q2 Q1 Q4 Q3 Q2 Q3 2026 2025 2025

Credit Card

Earnings:

Net interest income $ 9,622  $ 9,252  $ 9,236  $ 9,479  $ 9,396  4% 2% $ 28,110  $ 22,343  26%

Non-interest income 2,525  2,513  2,153  2,214  2,211  — 14 7,191  5,524  30

Total net revenue 12,147  11,765  11,389  11,693  11,607  3  5 35,301  27,867  27

Provision for credit losses 2,479  2,474  3,411  3,678  2,364  — 5 8,364  15,388  (46)

Non-interest expense(8)

5,880  6,098  5,501  6,147  5,409  (4) 9 17,479  13,494  30%

Income (loss) from continuing operations before income taxes 3,788  3,193  2,477  1,868  3,834  19  (1) 9,458  (1,015) **

Income tax provision (benefit) 929  782  608  445  914  19  2 2,319  (237) **

Income (loss) from continuing operations, net of tax $ 2,859  $ 2,411  $ 1,869  $ 1,423  $ 2,920  19% (2)% $ 7,139  $ (778) **

Selected performance metrics:

Period-end loans held for investment $ 276,360  $ 275,408 $ 270,558 $ 279,570 $ 271,037 — 2% $ 276,360  $ 271,037 2%

Average loans held for investment 273,670  271,197 270,974 272,228 269,175 1% 2 271,957  212,172 28

Average yield on loans outstanding(1)

17.70 % 17.21 % 17.17 % 17.71 % 17.99 % 49  bps (29) bps 17.36 % 18.08 % (72) bps

Total net revenue margin(9)

17.75  17.35  16.81  17.18  17.25  40  50  17.31  17.51  (20)

Net charge-off rate 4.01  4.71  5.05  4.91  4.61  (70) (60) 4.59  5.17  (58)

30+ day performing delinquency rate 3.72  3.37  3.66  3.93  3.84  35  (12) 3.72  3.84  (12)

30+ day delinquency rate 3.72  3.37  3.67  3.94  3.84  35  (12) 3.72  3.84  (12)

Nonperforming loan rate(4)

0.01  0.01  0.01  0.01  0.01  —  —  0.01  0.01  —

Purchase volume(10)

$ 254,679  $ 253,750 $ 220,540 $ 238,687 $ 230,379 —% 11% $ 728,969  $ 589,780 24%

15

2026 Q3 vs. Nine Months Ended September 30,

2026 2026 2026 2025 2025 2026 2025 2026 vs.

(Dollars in millions, except as noted) Q3 Q2 Q1 Q4 Q3 Q2 Q3 2026 2025 2025

Domestic Card

Earnings:

Net interest income $ 9,005  $ 8,643  $ 8,618  $ 8,854  $ 8,766  4% 3% $ 26,266  $ 20,931  25%

Non-interest income 2,475  2,460  2,107  2,168  2,160  1  15  7,042  5,369  31

Total net revenue 11,480  11,103  10,725  11,022  10,926  3  5  33,308  26,300  27

Provision for credit losses 2,310  2,292  3,236  3,482  2,163  1  7  7,838  14,219  (45)

Non-interest expense 5,556  5,771  5,179  5,789  5,092  (4) 9  16,506  12,706  30%

Income (loss) from continuing operations before income taxes 3,614  3,040  2,310  1,751  3,671  19  (2) 8,964  (625) **

Income tax provision (benefit) 885  745  566  417  873  19  1 2,196  (149) **

Income (loss) from continuing operations, net of tax $ 2,729  $ 2,295  $ 1,744  $ 1,334  $ 2,798  19% (2)% $ 6,768  $ (476) **

Selected performance metrics:

Period-end loans held for investment $ 260,252  $ 259,005 $ 254,028 $ 262,403 $ 253,951 —  2% $ 260,252  $ 253,951 2%

Average loans held for investment 257,311  254,625 254,036 255,221 252,090 1% 2  255,336  200,221 28

Average yield on loans outstanding(1)

17.66 % 17.16 % 17.13 % 17.68 % 17.99 % 50  bps (33) bps 17.32 % 18.03 % (71) bps

Total net revenue margin(9)

17.85  17.44  16.89  17.28  17.34  41  51  17.39  17.51  (12)

Net charge-off rate 3.98  4.71  5.10  4.93  4.63  (73) (65) 4.59  5.21  (62)

30+ day performing delinquency rate 3.74  3.39  3.70  3.99  3.89  35  (15) 3.74  3.89  (15)

Purchase volume(10)

$ 250,024  $ 249,195 $ 216,513 $ 234,375 $ 226,147 —% 11% $ 715,732  $ 577,846 24%

Refreshed FICO scores:(11)

Greater than 660 73 % 74 % 73 % 73 % 73 % (1) —  73 % 73 % —

660 or below 27  26  27  27  27  1  —  27  27  —

Total 100 % 100 % 100 % 100 % 100 % 100 % 100 %

16

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 11: Financial & Statistical Summary—Consumer Banking Business

2026 Q3 vs. Nine Months Ended September 30,

2026 2026 2026 2025 2025 2026 2025 2026 vs.

(Dollars in millions, except as noted) Q3 Q2 Q1 Q4 Q3 Q2 Q3 2026 2025 2025

Consumer Banking

Earnings:

Net interest income $ 2,531  $ 2,431  $ 2,229  $ 2,296  $ 2,357  4 % 7 % $ 7,191  $ 6,462  11%

Non-interest income 769  778  683  623  475  (1) 62  2,230  1,052  112

Total net revenue 3,300  3,209  2,912  2,919  2,832  3  17  9,421  7,514  25

Provision for credit losses 417  444  519  409  340  (6) 23  1,380  893  55

Non-interest expense 2,142  2,121  1,998  2,289  1,941  1  10  6,261  5,235  20

Income from continuing operations before income taxes 741  644  395  221  551  15  34  1,780  1,386  28

Income tax provision 181  158  97  52  131  15  38  436  330  32

Income from continuing operations, net of tax $ 560  $ 486  $ 298  $ 169  $ 420  15 % 33 % $ 1,344  $ 1,056  27%

Selected performance metrics:

Period-end loans held for investment $ 94,043 $ 90,467 $ 86,873 $ 84,790 $ 83,230 4 % 13 % $ 94,043 $ 83,230 13%

Average loans held for investment 92,330  88,583 85,701 83,957 82,295 4  12  88,896 80,304 11

Average yield on loans held for investment(1)

9.71 % 9.57 % 9.43 % 9.59 % 9.52 % 14  bps 19bps 9.57 % 9.28 % 29bps

Auto loan originations $ 13,103 $ 12,916 $ 11,130 $ 10,194 $ 10,731 1 % 22 % $ 37,149 $ 30,802 21%

Period-end deposits 431,095  435,221 438,034 423,932 416,765 (1) 3  431,095 416,765 3

Average deposits 432,953  435,890 428,391 418,673 414,219 (1) 5  432,428 366,854 18

Average deposits interest rate 2.78 % 2.76 % 2.84 % 2.98 % 3.07 % 2  bps (29) bps 2.79 % 3.03 % (24)bps

Net charge-off rate 1.63  1.48  1.70  1.88  1.58  15  5  1.60  1.49  11

30+ day performing delinquency rate 4.60  4.28  4.17  5.17  4.93  32  (33) 4.60  4.93  (33)

30+ day delinquency rate 5.12  4.76  4.59  5.73  5.53  36  (41) 5.12  5.53  (41)

Nonperforming loan rate(4)

0.66  0.62  0.57  0.69  0.73  4  (7) 0.66  0.73  (7)

Nonperforming asset rate(5)

0.77  0.72  0.66  0.79  0.82  5  (5) 0.77  0.82  (5)

Global Payment Network volume $ 190,934 $ 189,612 $ 174,332 $ 174,644 $ 153,117 1 % 25 % $ 554,878 $ 227,131 144%

Auto—At origination FICO scores:(12)

Greater than 660 49 % 49 % 50 % 51 % 51 % —  (2) 49 % 51 % (2)

621 - 660 19  19  19  19  19  —  —  19  19  —

620 or below 32  32  31  30  30  —  2  32  30  2

Total 100 % 100 % 100 % 100 % 100 % 100 % 100 %

17

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 12: Financial & Statistical Summary—Commercial Banking Business

2026 Q3 vs. Nine Months Ended September 30,

2026 2026 2026 2025 2025 2026 2025 2026 vs.

(Dollars in millions, except as noted) Q3 Q2 Q1 Q4 Q3 Q2 Q3 2026 2025 2025

Commercial Banking

Earnings:

Net interest income $ 603  $ 585  $ 581  $ 574  $ 586  3% 3% $ 1,769 $ 1,760 1%

Non-interest income 298  265  328  356  318  12 (6) 891 965 (8)

Total net revenue(7)

901  850  909  930  904  6 — 2,660 2,725 (2)

Provision for credit losses 20  71  138  55  9  (72) 122 229 232 (1)

Non-interest expense 467  462  498  504  520  1 (10) 1,427 1,495 (5)

Income from continuing operations before income taxes 414  317  273  371  375  31 10 1,004 998 1

Income tax provision 101  78  67  89  89  29 13 246 237 4%

Income from continuing operations, net of tax $ 313  $ 239  $ 206  $ 282  $ 286  31% 9% $ 758 $ 761 —

Selected performance metrics:

Period-end loans held for investment $ 92,127 $ 91,293 $ 90,323 $ 89,262 $ 88,892 1% 4% $ 92,127 $ 88,892 4%

Average loans held for investment 91,380 90,899 89,560 88,495 88,389 1 3 90,619 88,088 3

Average yield on loans held for investment(1)(7)

5.88 % 5.75 % 5.68 % 6.08 % 6.42 % 13bps (54)bps 5.77 % 6.37 % (60)bps

Period-end deposits $ 31,136 $ 30,841 $ 31,007 $ 31,250 $ 29,920 1% 4% $ 31,136 $ 29,920 4%

Average deposits 31,531 31,248 31,137 31,462 29,889 1 5 31,307 30,656 2

Average deposits interest rate 1.83 % 1.81 % 1.83 % 1.96 % 2.13 % 2bps (30)bps 1.82 % 2.11 % (29)bps

Net charge-off (recovery) rate —  0.53  0.29  0.43  0.21  (53) (21) 0.27  0.21  6

Nonperforming loan rate(4)

1.22  1.32  1.40  1.36  1.39  (10) (17) 1.22  1.39  (17)

Nonperforming asset rate(5)

1.30  1.39  1.47  1.39  1.40  (9) (10) 1.30  1.40  (10)

Risk category:(13)

Noncriticized $ 86,948 $ 86,034 $ 84,545 $ 83,873 $ 83,098 1% 5% $ 86,948 $ 83,098 5%

Criticized performing 4,051 4,058 4,510 4,177 4,558 — (11) 4,051 4,558 (11)

Criticized nonperforming 1,128 1,201 1,268 1,212 1,236 (6) (9) 1,128 1,236 (9)

Total commercial banking loans held for investment $ 92,127 $ 91,293 $ 90,323 $ 89,262 $ 88,892 1% 4% $ 92,127 $ 88,892 4%

Risk category as a percentage of period-end loans held for investment:(13)

Noncriticized 94.38 % 94.24 % 93.61 % 93.96 % 93.48 % 14bps 90bps 94.38 % 93.48 % 90bps

Criticized performing 4.40  4.44  4.99  4.68  5.13  (4) (73) 4.40  5.13  (73)

Criticized nonperforming 1.22  1.32  1.40  1.36  1.39  (10) (17) 1.22  1.39  (17)

Total commercial banking loans 100.00 % 100.00 % 100.00 % 100.00 % 100.00 % 100.00 % 100.00 %

18

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 13: Financial & Statistical Summary—Other and Total

2026 Q3 vs. Nine Months Ended September 30,

2026 2026 2026 2025 2025 2026 2025 2026 vs.

(Dollars in millions) Q3 Q2 Q1 Q4 Q3 Q2 Q3 2026 2025 2025

Other

Earnings:

Net interest income (loss) $ 130 $ 106 $ 99 $ 117 $ 65 23% 100% $ 335 $ (153) **

Non-interest loss (134) (80) (78) (76) (49) 68 173 (292) (102) 186%

Total net revenue (loss)(7)

(4) 26 21 41 16 ** ** 43 (255) **

Provision (benefit) for credit losses — — — — 1 ** ** — — **

Non-interest expense(14)

367 362 467 402 393 1 (7) 1,196 932 28

Loss from continuing operations before income taxes (371) (336) (446) (361) (378) 10 (2) (1,153) (1,187) (3)

Income tax provision (benefit) (178) (220) (254) (241) 55 (19) ** (652) (482) 35

Loss from continuing operations, net of tax $ (193) $ (116) $ (192) $ (120) $ (433) 66% (55)% $ (501) $ (705) (29)%

Selected performance metrics:

Period-end deposits $ 18,466  $ 18,195  $ 20,012  $ 20,589  $ 22,100  1% (16)% $ 18,466  $ 22,100  (16)%

Average deposits 18,129  19,653  20,430  20,830  23,172  (8) (22) 19,395  18,176  7

Total

Earnings:

Net interest income $ 12,886  $ 12,374  $ 12,145  $ 12,466  $ 12,404  4% 4% $ 37,405  $ 30,412  23%

Non-interest income 3,458  3,476  3,086  3,117  2,955  (1) 17 10,020  7,439  35

Total net revenue 16,344  15,850  15,231  15,583  15,359  3 6 47,425  37,851  25

Provision for credit losses 2,916  2,989  4,068  4,142  2,714  (2) 7 9,973  16,513  (40)

Non-interest expense 8,856  9,043  8,464  9,342  8,263  (2) 7 26,363  21,156  25%

Income from continuing operations before income taxes 4,572  3,818  2,699  2,099  4,382  20 4 11,089  182  **

Income tax provision (benefit) 1,033  798  518  345  1,189  29 (13) 2,349  (152) **

Income from continuing operations, net of tax $ 3,539  $ 3,020  $ 2,181  $ 1,754  $ 3,193  17% 11% $ 8,740  $ 334  **

Selected performance metrics:

Period-end loans held for investment $ 462,530  $ 457,168  $ 447,754  $ 453,622  $ 443,159  1% 4% $ 462,530  $ 443,159  4%

Average loans held for investment 457,380  450,679  446,235  444,680  439,859  1 4 451,472  380,564  19

Period-end deposits 480,697  484,257  489,053  475,771  468,785  (1) 3 480,697  468,785  3

Average deposits 482,613  486,791  479,958  470,965  467,280  (1) 3 483,130  415,686  16

19

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. 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)Includes amounts related to entities that provide capital to low-income and rural communities of $2.8 billion in Q3 2026, $2.4 billion in Q2 2026, $2.1 billion in Q3 2025 and $2.5 billion for the first nine months of 2026 and $2.1 billion for the first nine months of 2025. Related interest expense was $10 million in Q3 2026, $9 million in Q2 2026, $8 million in Q3 2025 and $27 million for the first nine months of 2026 and $23 million for the first nine months of 2025.

(3)Effective in the second quarter of 2026, Domestic Card results include Brex and our legacy corporate card product.

(4)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.

(5)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.

(6)Primarily represents foreign currency translation adjustments.

(7)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 a blended federal and state statutory tax rate, with offsetting reductions to the Other category.

(8)Includes the impact of $47 million and $96 million in Brex integration expenses in Q3 2026 and Q2 2026, respectively.

(9)Total net revenue margin is calculated based on annualized total net revenue for the period divided by average interest-earning assets for the period.

(10)Purchase volume consists of purchase transactions, net of returns, for the period, and excludes cash advance and balance transfer transactions.

(11)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. Corporate cards do not have FICO scores associated with such loans and therefore are excluded.

(12)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.

(13)Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities.

(14)Includes the impact of $338 million, $298 million, $415 million, $352 million and $348 million in Discover integration expenses in Q3 2026, Q2 2026, Q1 2026, Q4 2025 and Q3 2025, respectively, as well as any charges incurred as a result of other restructuring activities for the periods presented.

**    Not meaningful.

20

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,

2026 June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025

Regulatory Capital Metrics

Common equity excluding AOCI $ 115,246 $ 114,686 $ 112,733 $ 113,677 $ 114,323

Adjustments:

AOCI, net of tax(2)

66 62 69 81 68

Goodwill, net of related deferred tax liabilities (31,569) (31,559) (28,201) (28,217) (28,575)

Other Intangible and deferred tax assets, net of deferred tax liabilities (11,998) (12,413) (12,142) (12,493) (12,846)

Common equity Tier 1 capital $ 71,745 $ 70,776 $ 72,459 $ 73,048 $ 72,970

Tier 1 capital $ 76,164 $ 76,183 $ 77,866 $ 78,455 $ 78,377

Total capital(3)

85,698 85,771 87,326 88,000 87,853

Risk-weighted assets 520,429 516,287 504,654 511,794 506,535

Adjusted average assets(4)

638,655 643,349 640,503 629,997 622,435

Capital Ratios

Common equity Tier 1 capital(5)

13.8% 13.7% 14.4% 14.3% 14.4%

Tier 1 capital(6)

14.6 14.8 15.4 15.3 15.5

Total capital(7)

16.5 16.6 17.3 17.2 17.3

Tier 1 leverage(4)

11.9 11.8 12.2 12.5 12.6

TCE(8)

9.8 10.2 10.3 10.7 10.8

21

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, however, they may not be comparable to similarly-titled measures reported by other companies. 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.

2026 2026 2026 2025 2025 Nine Months Ended September 30,

(Dollars in millions, except per share data and as noted) Q3 Q2 Q1 Q4 Q3 2026 2025

Adjusted diluted earnings per share (“EPS”):

Net income available to common stockholders (GAAP) $ 3,422 $ 2,935 $ 2,081 $ 2,057 $ 3,086 $ 8,438 $ 117

Acquisition amortization expenses(9)

483 494 477 546 603 1,454 943

Discover integration expenses 338 298 415 352 348 1,051 757

Brex integration expenses 47 96 — — — 143 —

Initial allowance build for Discover non-PCD loans

— — — — — — 8,767

Legal reserve activities

— — — 117 — — 239

Gain on sale of home loan portfolio

— — — (483) — — —

FDIC special assessment — — — (29) — — —

Adjusted net income available to common stockholders before income tax impacts (non-GAAP) 4,290 3,823 2,973 2,560 4,037 11,086 10,823

Income tax impacts (214) (219) (221) (124) (236) (654) (2,651)

Adjusted net income available to common stockholders (non-GAAP) $ 4,076 $ 3,604 $ 2,752 $ 2,436 $ 3,801 $ 10,432 $ 8,172

Diluted weighted-average common shares outstanding (in millions) (GAAP) 609.5 621.1 623.4 631.6 639.5 618.0 510.9

Diluted EPS (GAAP) $ 5.61 $ 4.73 $ 3.34 $ 3.26 $ 4.83 $ 13.65 $ 0.23

Impact of adjustments noted above 1.08 1.08 1.08 0.60 1.12 3.23 15.77

Adjusted diluted EPS (non-GAAP) $ 6.69 $ 5.81 $ 4.42 $ 3.86 $ 5.95 $ 16.88 $ 16.00

Adjusted efficiency ratio:

Non-interest expense (GAAP) $ 8,856 $ 9,043 $ 8,464 $ 9,342 $ 8,263 $ 26,363 $ 21,156

Acquisition amortization expenses(9)

(519) (518) (478) (509) (498) (1,515) (753)

Discover integration expenses (338) (298) (415) (352) (348) (1,051) (757)

Brex integration expenses (47) (96) — — — (143) —

Legal reserve activities — — — (117) — — (239)

FDIC special assessment — — — 29 — — —

Adjusted non-interest expense (non-GAAP) $ 7,952 $ 8,131 $ 7,571 $ 8,393 $ 7,417 $ 23,654 $ 19,407

Total net revenue (GAAP) $ 16,344 $ 15,850 $ 15,231 $ 15,583 $ 15,359 $ 47,425 $ 37,851

Acquisition amortization expenses(9)

(36) (24) (1) 37 105 (61) 190

Adjusted net revenue (non-GAAP) $ 16,308 $ 15,826 $ 15,230 $ 15,620 $ 15,464 $ 47,364 $ 38,041

22

2026 2026 2026 2025 2025 Nine Months Ended September 30,

(Dollars in millions, except per share data and as noted) Q3 Q2 Q1 Q4 Q3 2026 2025

Efficiency ratio (GAAP) 54.19% 57.05% 55.57% 59.95 % 53.80 % 55.59% 55.89%

Impact of adjustments noted above (543) bps (567) bps (586) bps (622) bps (584) bps (565) bps (489) bps

Adjusted efficiency ratio (non-GAAP) 48.76% 51.38% 49.71% 53.73 % 47.96 % 49.94% 51.02%

Adjusted operating efficiency ratio:

Operating expense (GAAP) $ 7,262 $ 7,382 $ 6,967 $ 7,408 $ 6,860 $ 21,611 $ 17,206

Acquisition amortization expenses(9)

(519) (518) (478) (509) (498) (1,515) (753)

Discover integration expenses (338) (298) (415) (352) (348) (1,051) (757)

Brex integration expenses (47) (96) — — — (143) —

Legal reserve activities — — — (117) — — (239)

FDIC special assessment — — — 29 — — —

Adjusted operating expense (non-GAAP) $ 6,358 $ 6,470 $ 6,074 $ 6,459 $ 6,014 $ 18,902 $ 15,457

Total net revenue (GAAP) $ 16,344 $ 15,850 $ 15,231 $ 15,583 $ 15,359 $ 47,425 $ 37,851

Acquisition amortization expenses(9)

(36) (24) (1) 37 105 (61) 190

Adjusted net revenue (non-GAAP) $ 16,308 $ 15,826 $ 15,230 $ 15,620 $ 15,464 $ 47,364 $ 38,041

Operating efficiency ratio (GAAP) 44.43% 46.57% 45.74% 47.54 % 44.66 % 45.57% 45.46%

Impact of adjustments noted above (544) bps (569) bps (586) bps (619) bps (577) bps (566) bps (482) bps

Adjusted operating efficiency ratio (non-GAAP) 38.99% 40.88% 39.88% 41.35 % 38.89 % 39.91% 40.63%

23

The following summarizes our non-GAAP measures. While these non-GAAP measures are widely used by investors, analysts and bank regulatory agencies to assess the operating performance and capital position of financial services companies, they may not be comparable to similarly-titled measures reported by other companies. The following table presents reconciliations of these non-GAAP measures to the applicable amounts measured in accordance with GAAP.

2026 2026 2026 2025 2025

(Dollars in millions) Q3 Q2 Q1 Q4 Q3

Pre-provision earnings

Total net revenue $ 16,344  $ 15,850  $ 15,231  $ 15,583  $ 15,359

Non-interest expense (8,856) (9,043) (8,464) (9,342) (8,263)

Pre-provision earnings(10)

$ 7,488  $ 6,807  $ 6,767  $ 6,241  $ 7,096

Adjusted pre-provision earnings

Adjusted net revenue (non-GAAP) $ 16,308  $ 15,826  $ 15,230  $ 15,620  $ 15,464

Adjusted non-interest expense (non-GAAP) (7,952) (8,131) (7,571) (8,393) (7,417)

Adjusted pre-provision earnings(10)

$ 8,356  $ 7,695  $ 7,659  $ 7,227  $ 8,047

Tangible common equity (period-end)

Stockholders’ equity $ 109,656  $ 113,793  $ 112,261  $ 113,616  $ 113,813

Goodwill and other intangible assets, includes impact of related deferred taxes (43,446) (43,840) (40,489) (40,876) (41,537)

Noncumulative perpetual preferred stock (4,419) (5,407) (5,407) (5,407) (5,407)

Tangible common equity(11)

$ 61,791  $ 64,546  $ 66,365  $ 67,333  $ 66,869

Tangible common equity (average)

Stockholders’ equity $ 113,571  $ 114,518  $ 114,556  $ 115,404  $ 112,819

Goodwill and other intangible assets, includes impact of related deferred taxes (43,672) (44,033) (40,709) (41,144) (41,815)

Noncumulative perpetual preferred stock (5,085) (5,407) (5,407) (5,407) (5,407)

Tangible common equity(11)

$ 64,814  $ 65,078  $ 68,440  $ 68,853  $ 65,597

Return on tangible common equity (average)

Net income available to common stockholders $ 3,422  $ 2,935  $ 2,081  $ 2,057  $ 3,086

Income (loss) from discontinued operations, net of tax —  —  (7) 380  (1)

Net income available to common stockholders less income (loss) from discontinued operations, net of tax $ 3,422  $ 2,935  $ 2,088  $ 1,677  $ 3,087

Tangible common equity (average)

64,814  65,078  68,440  68,853  65,597

Return on tangible common equity(11)

21.12% 18.04% 12.20% 9.74% 18.82%

Tangible assets (period-end)

Total assets $ 672,867  $ 673,835  $ 682,905  $ 669,009  $ 661,877

Goodwill and other intangible assets, includes impact of related deferred taxes (43,446) (43,840) (40,489) (40,876) (41,537)

Tangible assets(11)

$ 629,421  $ 629,995  $ 642,416  $ 628,133  $ 620,340

24

2026 2026 2026 2025 2025

(Dollars in millions) Q3 Q2 Q1 Q4 Q3

Tangible assets (average)

Total assets $ 676,168  $ 682,079  $ 675,999  $ 665,656  $ 657,858

Goodwill and other intangible assets, includes impact of related deferred taxes (43,672) (44,033) (40,709) (41,144) (41,815)

Tangible assets(11)

$ 632,496  $ 638,046  $ 635,290  $ 624,512  $ 616,043

Return on tangible assets (average)

Net income $ 3,539  $ 3,020  $ 2,174  $ 2,134  $ 3,192

Income (loss) from discontinued operations, net of tax —  —  (7) 380  (1)

Net income less income (loss) from discontinued operations, net of tax $ 3,539  $ 3,020  $ 2,181  $ 1,754  $ 3,193

Tangible assets (average) 632,496  638,046  635,290  624,512  616,043

Return on tangible assets(11)

2.24% 1.89% 1.37% 1.12% 2.07%

TCE ratio

Tangible common equity (period-end) $ 61,791  $ 64,546  $ 66,365  $ 67,333  $ 66,869

Tangible assets (period-end) 629,421  629,995  642,416  628,133  620,340

TCE ratio(11)

9.8% 10.2% 10.3% 10.7% 10.8%

Tangible book value per common share

Tangible common equity (period-end) $ 61,791  $ 64,546  $ 66,365  $ 67,333  $ 66,869

Outstanding common shares 601.5  613.5  615.9  625.1  635.7

Tangible book value per common share(11)

$ 102.72  $ 105.21  $ 107.76  $ 107.72  $ 105.18

25

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 16: Notes to Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures (Table 15)

(1)Regulatory capital metrics and capital ratios as of September 30, 2026 are preliminary and therefore subject to change.

(2)Excludes certain components of AOCI in accordance with rules applicable to Category III institutions.

(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 purchase accounting-related amortization for acquisitions where integration expenses were also adjusted.

(10)Management believes that this financial metric is useful in assessing the ability of a lending institution to generate income in excess of its provision for credit losses.

(11)Management believes that this financial metric is useful when assessing returns and capital management over time.

26

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