Capital One Financial Corporation
As of Fiscal Year 2025 (ended December 31, 2025)
Key KPIs at a Glance
| Metric | Value |
|---|---|
| Total net revenue (FY2025) | $53.4 billion, up 37% year-over-year (vs. $39.1 billion in FY2024) |
| Net income (FY2025) | $2.45 billion, down 48% year-over-year (vs. $4.75 billion in FY2024) |
| Net income available to common stockholders (FY2025) | $2.18 billion |
| Diluted EPS (FY2025) | $4.03, down from $11.59 in FY2024 |
| Total loans held for investment (as of 12/31/2025) | $453.6 billion, up 38% year-over-year |
| Total deposits (as of 12/31/2025) | $475.8 billion, up 31% year-over-year |
| Net interest margin (FY2025) | 7.84%, up 96 basis points year-over-year |
| Efficiency ratio (FY2025) | 57.08%, up 215 basis points year-over-year |
| Net charge-off rate (FY2025) | 3.30%, down 9 basis points year-over-year |
| Credit card purchase volume (FY2025) | $828.5 billion, up 27% year-over-year |
| Employees (as of 12/31/2025) | approximately 76,300, up ~45% year-over-year, reflecting Discover headcount addition |
| Discover integration expenses (FY2025) | $1.1 billion (vs. $234 million in FY2024) |
| Discover deal synergy target (management guidance) | approximately $2.5 billion in run-rate synergies targeted by mid-2027 (third-party reported guidance, not a GAAP line item) |
Sources: All figures are company-disclosed unless noted otherwise. Sourced from Capital One Financial Corporation's Q4/Full-Year 2025 earnings release and financial supplement (filed ~January 22, 2026, covering the twelve months ended December 31, 2025) and prior-year Q4 earnings releases (FY2021-FY2024) via SEC EDGAR / investor.capitalone.com. Capital One completed its acquisition of Discover Financial Services on May 18, 2025, so FY2025 results reflect only a partial-year (~7.5 month) consolidation of Discover; FY2021-FY2024 figures are pre-acquisition, standalone Capital One and are therefore not directly comparable to FY2025/FY2026. Capital One's 'Other' segment (corporate/eliminations) posted negative net revenue (-$214M) and a net loss (-$825M) in FY2025, so per methodology it is excluded from the revenue pie chart (noted in that widget's subtitle) and segment net income is not shown as a pie (it contains a negative segment). The $2.5B Discover synergy target is company guidance as reported by financial media (third-party reporting of management commentary), not a line item in the financial statements.