Capital One Financial (COF) Provision for Credit Losses (2009 - 2026)
Capital One Financial (COF) posted Provision for Credit Losses of $2.92 billion for Q3 2026, up 7.4% from $2.71 billion a year earlier but down 2.4% from the prior quarter.
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Analysis
Capital One Financial (COF) Provision for Credit Losses (2009 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, Provision for Credit Losses at Capital One Financial was $14.12 billion, down 26.3% year-over-year; for FY2025, it was $20.66 billion, up 76.3% from FY2024.
- Annual Provision for Credit Losses has increased for three consecutive years, with a five-year compound annual growth rate of 15.0% (FY2020 to FY2025).
- In prior years, Capital One Financial's Provision for Credit Losses was $11.72 billion in FY2024 (+12.4%), $10.43 billion in FY2023 (+78.3%), $5.85 billion in FY2022 and -$1.94 billion in FY2021.
- Quarterly Provision for Credit Losses has run from a low of $381 million in Q4 2021 to a high of $11.43 billion in Q2 2025 over five years.
- On a year-over-year basis, Provision for Credit Losses increased in five of the last eight quarters, with growth averaging 30.6%.
- The strongest year-over-year quarter for Provision for Credit Losses in the past five years was Q4 2022, with growth of 534.1%; the weakest was Q2 2026, with a decline of 73.8%.
- According to Business Quant data, Provision for Credit Losses for the three prior quarters was $2.99 billion (Q2 2026), $4.07 billion (Q1 2026) and $4.14 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 896.53 Bn | 896.53 Bn | - | 2.74 Bn |
| 2 | Bank Of America | 354.20 Bn | -2,021.91 Bn | - | 1.24 Bn |
| 3 | Hsbc Holdings | 303.54 Bn | -1,800.05 Bn | - | - |
| 4 | Royal Bank Of Canada | 283.29 Bn | -546.75 Bn | - | 717.20 Mn |
| 5 | Morgan Stanley | 281.19 Bn | -262.84 Bn | - | 103.00 Mn |
| 6 | Goldman Sachs | 256.26 Bn | -3,487.19 Bn | - | 368.00 Mn |
| 7 | Wells Fargo & Company | 253.33 Bn | 253.33 Bn | - | 1.03 Bn |
| 8 | Mitsubishi Ufj Financial | 238.77 Bn | -102.62 Bn | 10.89 Bn | - |
| 9 | American Express | 216.03 Bn | 15.51 Bn | - | 985.00 Mn |
| 10 | Capital One Financial | 123.02 Bn | 123.02 Bn | - | 2.92 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.92 Bn |
| Jun 30, 2026 | 2.99 Bn |
| Mar 31, 2026 | 4.07 Bn |
| Dec 31, 2025 | 4.14 Bn |
| Sep 30, 2025 | 2.71 Bn |
| Jun 30, 2025 | 11.43 Bn |
| Mar 31, 2025 | 2.37 Bn |
| Dec 31, 2024 | 2.64 Bn |
| Sep 30, 2024 | 2.48 Bn |
| Jun 30, 2024 | 3.91 Bn |
| Mar 31, 2024 | 2.68 Bn |
| Dec 31, 2023 | 2.86 Bn |
| Sep 30, 2023 | 2.28 Bn |
| Jun 30, 2023 | 2.49 Bn |
| Mar 31, 2023 | 2.80 Bn |
| Dec 31, 2022 | 2.42 Bn |
| Sep 30, 2022 | 1.67 Bn |
| Jun 30, 2022 | 1.09 Bn |
| Mar 31, 2022 | 677.00 Mn |
| Dec 31, 2021 | 381.00 Mn |
API Access
Capital One Financial Provision for Credit Losses API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=provision-for-credit-losses&ticker=COF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-credit-losses", "ticker": "COF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=provision-for-credit-losses&ticker=COF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();