Capital One Monetary Company (COF) This autumn 2025 Earnings Name Transcript

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Capital One Financial Corporation (COF) Q4 2025 Earnings Call January 22, 2026 5:00 PM EST

Company Participants

Jeff Norris – Senior Vice President of Finance
Andrew Young – Chief Financial Officer
Richard Fairbank – Founder, Chairman, CEO & President

Conference Call Participants

Sanjay Sakhrani – Keefe, Bruyette, & Woods, Inc., Research Division
L. Erika Penala – UBS Investment Bank, Research Division
Ryan Nash – Goldman Sachs Group, Inc., Research Division
Terry Ma – Barclays Bank PLC, Research Division
John Pancari – Evercore ISI Institutional Equities, Research Division
Richard Shane – JPMorgan Chase & Co, Research Division
Mihir Bhatia – Snake securities, Research Division
Moshe Orenbuch – TD Cowen, Research Division
Donald Fandetti – Wells Fargo Securities, LLC, Research Division
Jeffrey Adelson – Morgan Stanley, Research Division
John Hecht – Jefferies LLC, Research Division
Robert Wildhack – Autonomous Research US LP
Saul Martinez – HSBC Global Investment Research

Presentation

Operator

Good day, and thank you for standing by. Welcome to the Capital One Q4 2025 Earnings Call. Please be advised that today’s conference is being recorded. (Operator Instructions)

I would now like to hand the conference over to your speaker today, Jeff Norris, Senior Vice President of Finance. Please go ahead.

Jeff Norris
Senior Vice President of Finance

Thanks very much, Josh, and welcome, everyone. To access the live webcast of the call, please go to the Investors section of Capital One’s website at capitalone.com. A copy of the earnings presentation, press release and financial supplement can also be found in the Investors section of Capital One’s website, capitalone.com, by selecting financials and then quarterly earnings release.

With me this evening are Mr. Richard Fairbank, Capital One’s Chairman and Chief Executive Officer; and Mr. Andrew Young, Capital One’s Chief Financial Officer. Rich and Andrew are going to walk you through this presentation that summarizes our fourth quarter 2025 results.

Please note that this

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