Capital One Financial (COF) Interest Expenses (2009 - 2026)
Capital One Financial (COF) reported Interest Expenses of $4.1 billion for Q1 2026, up 20.0% year-over-year from $3.4 billion in Q1 2025, and down 3.2% on a QoQ basis from $4.2 billion in Q4 2025.
Capital One Financial (COF) Interest Expenses (2009 - 2026) Analysis & Trends
Capital One Financial (COF) has 18 years of Interest Expenses data on file, last reported at $4.1 billion in Q1 2026.
- Quarterly Interest Expenses rose 20.0% year-over-year to $4.1 billion in Q1 2026, while the trailing twelve-month figure through Mar 2026 was $16.5 billion (up 13.46% YoY) and the FY2025 annual result came in at $15.8 billion, up 6.69% from the prior year.
- Interest Expenses declined to $4.1 billion in Q1 2026 per COF's latest filing, from $4.2 billion in the prior quarter.
- Across five years, Interest Expenses topped out at $4.4 billion in Q3 2025 and bottomed at $387.0 million in Q1 2022.
- The 5-year median for Interest Expenses is $3.6 billion (2024), against an average of $3.0 billion.
- The widest annual swing landed in 2022, when Interest Expenses dropped 11.85%; it then surged 563.57% in 2023.
- Tracing COF's Interest Expenses over 5 years: stood at $2.0 billion in 2022, then surged by 84.91% to $3.6 billion in 2023, then declined by 0.19% to $3.6 billion in 2024, then advanced by 16.63% to $4.2 billion in 2025, then slipped by 3.2% to $4.1 billion in 2026.
- Per Business Quant, the three latest COF Interest Expenses figures stand at $4.1 billion (Q1 2026), $4.2 billion (Q4 2025), and $4.4 billion (Q3 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 178.00 Mn |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 185.00 Mn |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 1.97 Bn |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 4.09 Bn |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | - |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 113.76 Mn |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 968.00 Mn |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 308.01 Mn |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 1.52 Bn |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 113.80 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 4.09 Bn |
| Mar 31, 2026 | 4.09 Bn |
| Dec 31, 2025 | 4.22 Bn |
| Dec 31, 2025 | 4.22 Bn |
| Sep 30, 2025 | 4.36 Bn |
| Sep 30, 2025 | 4.36 Bn |
| Jun 30, 2025 | 3.83 Bn |
| Jun 30, 2025 | 3.83 Bn |
| Mar 31, 2025 | 3.41 Bn |
| Mar 31, 2025 | 3.41 Bn |
| Dec 31, 2024 | 3.62 Bn |
| Dec 31, 2024 | 3.62 Bn |
| Sep 30, 2024 | 3.78 Bn |
| Sep 30, 2024 | 3.78 Bn |
| Jun 30, 2024 | 3.73 Bn |
| Jun 30, 2024 | 3.73 Bn |
| Mar 31, 2024 | 3.69 Bn |
| Mar 31, 2024 | 3.69 Bn |
| Dec 31, 2023 | 3.63 Bn |
| Dec 31, 2023 | 3.63 Bn |