Capital One Reports Second Quarter 2026 Net Income of $3.0 billion, or $4.73 per share

By Business Wire | July 21, 2026, 4:05 PM

Net of adjusting items, Second Quarter 2026 Net Income of $5.81 per share⁽¹⁾

MCLEAN, Va.--(BUSINESS WIRE)--Capital One Financial Corporation (NYSE: COF) today announced net income for the second quarter of 2026 of $3.0 billion, or $4.73 per diluted common share, compared with net income of $2.2 billion, or $3.34 per diluted common share in the first quarter of 2026, and with net loss of $4.3 billion, or $(8.58) per diluted common share in the second quarter of 2025. Adjusted net income⁽¹⁾ for the second quarter of 2026 was $5.81 per diluted common share.

"Our results in the second quarter continue to reflect solid top line growth and strong credit performance," said Richard D. Fairbank, Founder, Chairman, and Chief Executive Officer. "We’re now 14 months into our integration of Discover, and integration is going well."

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⁾	$	494	$	0.60
Discover integration expenses	$	298	$	0.36
Brex integration expenses	$	96	$	0.12

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

Second Quarter 2026 Income Statement Summary:

Total net revenue increased 4 percent to $15.9 billion.
Total non-interest expense increased 7 percent to $9.0 billion:
- 11 percent increase in marketing.
- 6 percent increase in operating expenses.
Pre-provision earnings⁽³⁾ increased 1 percent to $6.8 billion.
Provision for credit losses decreased $1.1 billion to $3.0 billion:
- Net charge-offs of $3.6 billion.
- $662 million loan reserve release.
Net interest margin of 8.01 percent, an increase of 14 basis points.
Efficiency ratio of 57.05 percent.
- Adjusted efficiency ratio⁽⁴⁾ of 51.38 percent.
Operating efficiency ratio of 46.57 percent.
- Adjusted operating efficiency ratio⁽⁴⁾of 40.88 percent.

Second Quarter 2026 Balance Sheet Summary:

Common equity Tier 1 capital ratio⁽⁵⁾ under Basel III Standardized Approach of 13.7% percent at June 30, 2026.
Period-end loans held for investment in the quarter increased $9.4 billion, or 2 percent, to $457.2 billion.
- Credit Card period-end loans increased $4.9 billion, or 2 percent, to $275.4 billion.
  - Domestic Card period-end loans increased $5.0 billion, or 2 percent, to $259.0 billion.
- Consumer Banking period-end loans increased $3.6 billion, or 4 percent, to $90.5 billion.
  - Auto period-end loans increased $3.6 billion, or 4 percent, to $89.3 billion.
- Commercial Banking period-end loans increased $1.0 billion, or 1 percent, to $91.3 billion.
Average loans held for investment in the quarter increased $4.4 billion, or 1 percent, to $450.7 billion.
- Credit Card average loans increased $223 million, or less than 1 percent, to $271.2 billion.
  - Domestic Card average loans increased $589 million, or less than 1 percent, to $254.6 billion.
- Consumer Banking average loans increased $2.9 billion, or 3 percent, to $88.6 billion.
  - Auto average loans increased $2.9 billion, or 3 percent, to $87.4 billion.
- Commercial Banking average loans increased $1.3 billion, or 1 percent, to $90.9 billion.
Period-end total deposits decreased $4.8 billion, or 1 percent, to $484.3 billion, while average deposits increased $6.8 billion, or 1 percent, to $486.8 billion.
Interest-bearing deposits rate paid decreased 9 basis points to 2.91 percent.

Earnings Conference Call Webcast Information

The company will hold an earnings conference call on July 21, 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 August 4, 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 $484.3 billion in deposits and $673.8 billion in total assets as of June 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 Table 15 in Exhibit 99.2 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 July 21, 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 July 21, 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 June 30, 2026 are preliminary and therefore subject to change.

Capital One Financial Corporation Financial Supplement^(1)(2)(3)(4) Second Quarter2026 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 June 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 May 18, 2025, we completed the Discover acquisition in an all-stock transaction as outlined in the merger agreement dated February 19, 2024.
⁽⁴⁾		On April 7, 2026, we completed the acquisition of Brex in a combination of stock and cash transaction. Brex results and statistics reported herein are from April 7, 2026 to June 30, 2026 and included within the Credit Card business.

CAPITAL ONE FINANCIAL CORPORATION (COF) Table 1: Financial Summary—Consolidated

																2026 Q2				Six Months Ended June 30,
(Dollars in millions, except per share data and as noted)	2026			2026			2025			2025			2025			2026		2025								2026 vs.
(Dollars in millions, except per share data and as noted)	Q2			Q1			Q4			Q3			Q2			Q1		Q2			2026			2025		2025
Income Statement
Net interest income	$	12,374		$	12,145		$	12,466		$	12,404		$	9,995		2	%	24	%	$	24,519		$	18,008		36	%
Non-interest income		3,476			3,086			3,117			2,955			2,497		13		39			6,562			4,484		46
Total net revenue⁽¹⁾		15,850			15,231			15,583			15,359			12,492		4		27			31,081			22,492		38
Provision for credit losses		2,989			4,068			4,142			2,714			11,430		(27	)	(74	)		7,057			13,799		(49	)
Non-interest expense:
Marketing		1,661			1,497			1,934			1,403			1,345		11		23			3,158			2,547		24
Operating expense		7,382			6,967			7,408			6,860			5,646		6		31			14,349			10,346		39
Total non-interest expense		9,043			8,464			9,342			8,263			6,991		7		29			17,507			12,893		36
Income (loss) from continuing operations before income taxes		3,818			2,699			2,099			4,382			(5,929	)	41		**			6,517			(4,200	)	**
Income tax provision (benefit)		798			518			345			1,189			(1,666	)	54		**			1,316			(1,341	)	**
Income (loss) from continuing operations, net of tax		3,020			2,181			1,754			3,193			(4,263	)	38		**			5,201			(2,859	)	**
Income (loss) from discontinued operations, net of tax		—			(7	)		380			(1	)		(14	)	**		**			(7	)		(14	)	(50	)
Net income (loss)		3,020			2,174			2,134			3,192			(4,277	)	39		**			5,194			(2,873	)	**
Dividends and undistributed earnings allocated to participating securities⁽²⁾		(28	)		(20	)		(20	)		(33	)		(4	)	40		**			(48	)		(9	)	**
Preferred stock dividends		(57	)		(73	)		(57	)		(73	)		(65	)	(22	)	(12	)		(130	)		(122	)	7
Discount on redeemed preferred stock		—			—			—			—			6		—		**			—			6		**
Net income (loss) available to common stockholders	$	2,935		$	2,081		$	2,057		$	3,086		$	(4,340	)	41	%	**		$	5,016		$	(2,998	)	**
Common Share Statistics
Basic earnings per common share:⁽²⁾
Net income (loss) from continuing operations	$	4.73		$	3.35		$	2.66		$	4.83		$	(8.55	)	41	%	**		$	8.08		$	(6.71	)	**
Income (loss) from discontinued operations		—			(0.01	)		0.60			—			(0.03	)	**		**			(0.01	)		(0.03	)	(67	)%
Net income (loss) per basic common share	$	4.73		$	3.34		$	3.26		$	4.83		$	(8.58	)	42		**		$	8.07		$	(6.74	)	**
Diluted earnings per common share:⁽²⁾
Net income (loss) from continuing operations	$	4.73		$	3.35		$	2.66		$	4.83		$	(8.55	)	41	%	**		$	8.08		$	(6.71	)	**
Income (loss) from discontinued operations		—			(0.01	)		0.60			—			(0.03	)	**		**			(0.01	)		(0.03	)	(67	)%
Net income (loss) per diluted common share	$	4.73		$	3.34		$	3.26		$	4.83		$	(8.58	)	42		**		$	8.07		$	(6.74	)	**
Weighted-average common shares outstanding (in millions):
Basic		620.5			622.5			631.1			639.0			505.6		—		23	%		621.5			444.7		40	%
Diluted		621.1			623.4			631.6			639.5			505.6		—		23			622.3			444.7		40
Common shares outstanding (period-end, in millions)		613.5			615.9			625.1			635.7			639.5		—		(4	)		613.5			639.5		(4	)
Dividends declared and paid per common share	$	0.80		$	0.80		$	0.80		$	0.60		$	0.60		—		33		$	1.60		$	1.20		33
Tangible book value per common share (period-end)⁽³⁾		105.21			107.76			107.72			105.18			99.35		(2	)%	6			105.21			99.35		6

											2026 Q2				Six Months Ended June 30,
(Dollars in millions)	2026		2026		2025		2025		2025		2026		2025						2026 vs.
(Dollars in millions)	Q2		Q1		Q4		Q3		Q2		Q1		Q2		2026		2025		2025
Balance Sheet (Period-End)
Loans held for investment	$	457,168	$	447,754	$	453,622	$	443,159	$	439,297	2	%	4	%	$	457,168	$	439,297	4	%
Interest-earning assets		610,913		624,560		613,750		605,235		601,999	(2	)	1			610,913		601,999	1
Total assets		673,835		682,905		669,009		661,877		658,968	(1	)	2			673,835		658,968	2
Interest-bearing deposits		456,464		461,117		448,386		441,136		440,231	(1	)	4			456,464		440,231	4
Total deposits		484,257		489,053		475,771		468,785		468,110	(1	)	3			484,257		468,110	3
Borrowings		45,371		51,888		51,000		51,482		52,666	(13	)	(14	)		45,371		52,666	(14	)
Common equity		108,386		106,854		108,209		108,406		105,549	1		3			108,386		105,549	3
Total stockholders’ equity		113,793		112,261		113,616		113,813		110,956	1		3			113,793		110,956	3
Balance Sheet (Average Balances)
Loans held for investment	$	450,679	$	446,235	$	444,680	$	439,859	$	378,157	1	%	19	%	$	448,469	$	350,425	28	%
Interest-earning assets		617,583		617,173		603,730		593,247		524,929	—		18			617,378		494,022	25
Total assets		682,079		675,999		665,656		657,858		572,446	1		19			679,050		532,354	28
Interest-bearing deposits		458,130		451,957		442,763		439,527		387,139	1		18			455,060		362,626	25
Total deposits		486,791		479,958		470,965		467,280		414,568	1		17			483,393		389,462	24
Borrowings		49,092		52,348		50,814		50,180		46,601	(6	)	5			50,710		45,531	11
Common equity		109,111		109,149		109,997		107,412		81,563	—		34			109,130		69,546	57
Total stockholders’ equity		114,518		114,556		115,404		112,819		86,918	—		32			114,537		74,647	53

CAPITAL ONE FINANCIAL CORPORATION (COF) Table 2: Selected Metrics—Consolidated

																2026 Q2				Six Months Ended June 30,
(Dollars in millions, except as noted)		2026			2026			2025			2025			2025		2026		2025								2026 vs.
(Dollars in millions, except as noted)		Q2			Q1			Q4			Q3			Q2		Q1		Q2			2026			2025		2025
Performance Metrics
Net interest income growth (period over period)		2	%		(3	)%		—	%		24	%		25	%	**		**			36	%		20	%	**
Non-interest income growth (period over period)		13			(1	)		5			18			26		**		**			46			16		**
Total net revenue growth (period over period)		4			(2	)		1			23			25		**		**			38			19		**
Total net revenue margin⁽⁴⁾		10.27			9.87			10.32			10.36			9.52		40bps		75bps			10.07			9.11		96bps
Net interest margin⁽⁵⁾		8.01			7.87			8.26			8.36			7.62		14		39			7.94			7.29		65
Return on average assets⁽⁶⁾		1.77			1.29			1.05			1.94			(2.98	)	48		475			1.53			(1.07	)	260
Return on average tangible assets⁽⁷⁾		1.89			1.37			1.12			2.07			(3.14	)	52		503			1.63			(1.12	)	275
Return on average common equity⁽⁸⁾		10.76			7.65			6.10			11.50			(21.22	)	311		3,198			9.21			(8.58	)	1,779
Return on average tangible common equity⁽⁹⁾		18.04			12.20			9.74			18.82			(32.99	)	584		5,103			15.05			(12.60	)	2,765
Efficiency ratio⁽¹⁰⁾		57.05			55.57			59.95			53.80			55.96		148		109			56.33			57.32		(99	)
Operating efficiency ratio⁽¹¹⁾		46.57			45.74			47.54			44.66			45.20		83		137			46.17			46.00		17
Effective income tax rate for continuing operations		20.9			19.2			16.4			27.1			28.1		170		(720	)		20.2			31.9		(1,170	)
Employees (period-end, in thousands)		78.4			77.1			76.3			77.0			76.5		2	%	2	%		78.4			76.5		2	%
Credit Quality Metrics
Allowance for credit losses	$	22,966		$	23,630		$	23,409		$	23,103		$	23,873		(3	)%	(4	)%	$	22,966		$	23,873		(4	)%
Allowance coverage ratio		5.02	%		5.28	%		5.16	%		5.21	%		5.43	%	(26) bps		(41) bps			5.02	%		5.43	%	(41) bps
Net charge-offs⁽¹²⁾	$	3,642		$	3,847		$	3,833		$	3,473		$	3,060		—		19	%	$	7,489		$	5,796		29	%
Net charge-off rate⁽¹³⁾		3.23	%		3.45	%		3.45	%		3.16	%		3.24	%	(22) bps		(1) bps			3.34	%		3.31	%	3bps
30+ day performing delinquency rate		2.91			3.04			3.41			3.29			3.13		(13	)	(22	)		2.91			3.13		(22	)
30+ day delinquency rate		3.13			3.24			3.59			3.50			3.32		(11	)	(19	)		3.13			3.32		(19	)
Capital Ratios⁽¹⁴⁾
Common equity Tier 1 capital		13.7	%		14.4	%		14.3	%		14.4	%		14.0	%	(70) bps		(30) bps			13.7	%		14.0	%	(30) bps
Tier 1 capital		14.8			15.4			15.3			15.5			15.1		(60	)	(30	)		14.8			15.1		(30	)
Total capital		16.6			17.3			17.2			17.3			17.1		(70	)	(50	)		16.6			17.1		(50	)
Tier 1 leverage		11.8			12.2			12.5			12.6			14.2		(40	)	(240	)		11.8			14.2		(240	)
Tangible common equity (“TCE”)⁽¹⁵⁾		10.2			10.3			10.7			10.8			10.3		(10	)	(10	)		10.2			10.3		(10	)

CAPITAL ONE FINANCIAL CORPORATION (COF) Table 3: Consolidated Statements of Income

																2026 Q2				Six Months Ended June 30,
(Dollars in millions, except as noted)		2026			2026			2025			2025			2025		2026		2025								2026 vs.
(Dollars in millions, except as noted)	Q2			Q1			Q4			Q3			Q2			Q1		Q2			2026			2025		2025
Interest income:
Loans, including loans held for sale	$	14,911		$	14,735		$	15,186		$	15,229		$	12,449		1	%	20	%	$	29,646		$	22,606		31	%
Investment securities		850			832			841			823			784		2		8			1,682			1,554		8
Other		624			664			660			711			595		(6	)	5			1,288			1,086		19
Total interest income		16,385			16,231			16,687			16,763			13,828		1		18			32,616			25,246		29
Interest expense:
Deposits		3,338			3,387			3,493			3,597			3,120		(1	)	7			6,725			5,835		15
Securitized debt obligations		117			141			155			165			164		(17	)	(29	)		258			340		(24	)
Senior and subordinated notes		535			532			550			582			535		1		—			1,067			1,040		3
Other borrowings		21			26			23			15			14		(19	)	50			47			23		104
Total interest expense		4,011			4,086			4,221			4,359			3,833		(2	)	5			8,097			7,238		12
Net interest income		12,374			12,145			12,466			12,404			9,995		2		24			24,519			18,008		36
Provision for credit losses		2,989			4,068			4,142			2,714			11,430		(27	)	(74	)		7,057			13,799		(49	)
Net interest income (loss) after provision for credit losses		9,385			8,077			8,324			9,690			(1,435	)	16		**			17,462			4,209		**
Non-interest income:
Discount and interchange fees, net		2,256			1,964			1,930			1,812			1,478		15		53			4,220			2,701		56
Service charges and other customer-related fees		808			809			833			849			658		—		23			1,617			1,167		39
Other		412			313			354			294			361		32		14			725			616		18
Total non-interest income		3,476			3,086			3,117			2,955			2,497		13		39			6,562			4,484		46
Non-interest expense:
Salaries and associate benefits		3,769			3,671			3,430			3,496			2,999		3		26			7,440			5,545		34
Occupancy and equipment		969			867			958			856			737		12		31			1,836			1,352		36
Marketing		1,661			1,497			1,934			1,403			1,345		11		23			3,158			2,547		24
Professional services		667			585			693			641			653		14		2			1,252			1,090		15
Communications and data processing		489			496			482			476			413		(1	)	18			985			812		21
Amortization of intangibles		507			492			525			514			271		3		87			999			287		**
Other		981			856			1,320			877			573		15		71			1,837			1,260		46
Total non-interest expense		9,043			8,464			9,342			8,263			6,991		7		29			17,507			12,893		36
Income (loss) from continuing operations before income taxes		3,818			2,699			2,099			4,382			(5,929	)	41		**			6,517			(4,200	)	**
Income tax provision (benefit)		798			518			345			1,189			(1,666	)	54		**			1,316			(1,341	)	**
Income (loss) from continuing operations, net of tax		3,020			2,181			1,754			3,193			(4,263	)	38		**			5,201			(2,859	)	**
Income (loss) from discontinued operations, net of tax		—			(7	)		380			(1	)		(14	)	**		**			(7	)		(14	)	(50	)
Net income (loss)		3,020			2,174			2,134			3,192			(4,277	)	39		**			5,194			(2,873	)	**
Dividends and undistributed earnings allocated to participating securities⁽²⁾		(28	)		(20	)		(20	)		(33	)		(4	)	40		**			(48	)		(9	)	**
Preferred stock dividends		(57	)		(73	)		(57	)		(73	)		(65	)	(22	)	(12	)%		(130	)		(122	)	7	%
Discount on redeemed preferred stock		—			—			—			—			6		—		**			—			6		**
Net income (loss) available to common stockholders	$	2,935		$	2,081		$	2,057		$	3,086		$	(4,340	)	41	%	**		$	5,016		$	(2,998	)	**


																2026 Q2				Six Months Ended June 30,
		2026			2026			2025			2025			2025		2026		2025								2026 vs.
	Q2			Q1			Q4			Q3			Q2			Q1		Q2			2026			2025		2025
Basic earnings per common share:⁽²⁾
Net income (loss) from continuing operations	$	4.73		$	3.35		$	2.66		$	4.83		$	(8.55	)	41	%	**		$	8.08		$	(6.71	)	**
Income (loss) from discontinued operations		—			(0.01	)		0.60			—			(0.03	)	**		**			(0.01	)		(0.03	)	(67	)%
Net income (loss) per basic common share	$	4.73		$	3.34		$	3.26		$	4.83		$	(8.58	)	42	%	**		$	8.07		$	(6.74	)	**
Diluted earnings per common share:⁽²⁾
Net income (loss) from continuing operations	$	4.73		$	3.35		$	2.66		$	4.83		$	(8.55	)	41	%	**		$	8.08		$	(6.71	)	**
Income (loss) from discontinued operations		—			(0.01	)		0.60			—			(0.03	)	**		**			(0.01	)		(0.03	)	(67	)%
Net income (loss) per diluted common share	$	4.73		$	3.34		$	3.26		$	4.83		$	(8.58	)	42	%	**		$	8.07		$	(6.74	)	**
Weighted-average common shares outstanding (in millions):
Basic common shares		620.5			622.5			631.1			639.0			505.6		—		23	%		621.5			444.7		40	%
Diluted common shares		621.1			623.4			631.6			639.5			505.6		—		23			622.3			444.7		40

Contacts

Investor Relations
Jeff Norris
jeff.norris@capitalone.com
Danielle Dietz
danielle.dietz@capitalone.com

Media Relations
Sie Soheili
sie.soheili@capitalone.com

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Capital One Reports Second Quarter 2026 Net Income of $3.0 billion, or $4.73 per share

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