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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
____________________________________
FORM 10-Q
___________________________________
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended September 30, 2022
OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from              to             
Commission File No. 001-13300
____________________________________
CAPITAL ONE FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter) 
____________________________________
Delaware 54-1719854
(State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.)
1680 Capital One Drive,
McLean,Virginia 22102
(Address of principal executive offices) (Zip Code)
Registrant’s telephone number, including area code: (703720-1000
(Not Applicable)
(Former name, former address and former fiscal year, if changed since last report)
____________________________________
Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading Symbol(s)Name of Each Exchange on Which Registered
Common Stock (par value $.01 per share)COF
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series ICOF PRI
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series JCOF PRJ
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series KCOF PRK
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series LCOF PRL
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series NCOF PRN
New York Stock Exchange
0.800% Senior Notes Due 2024COF24
New York Stock Exchange
1.650% Senior Notes Due 2029COF29
New York Stock Exchange

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒  No ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer   Accelerated filer 
Non-accelerated filer 
  Smaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes No ☒
As of October 28, 2022, there were 381,698,572 shares of the registrant’s Common Stock outstanding.



TABLE OF CONTENTS
Page
1
Capital One Financial Corporation (COF)


2
Capital One Financial Corporation (COF)


INDEX OF MD&A AND SUPPLEMENTAL TABLE
Page
1
2
3
4
5
6
7
8
9
9.1
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
Net Charge-Offs (Recoveries)
27
28
29
30
31
32
33
34
35
A
3
Capital One Financial Corporation (COF)

PART I—FINANCIAL INFORMATION
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations (“MD&A”)
This discussion contains forward-looking statements that are based upon management’s current expectations and are subject to significant uncertainties and changes in circumstances. Please review “MD&A—Forward-Looking Statements” for more information on the forward-looking statements in this Quarterly Report on Form 10-Q (“this Report”). All statements that address operating performance, events or developments that we expect or anticipate will occur in the future, including those relating to operating results and the Cybersecurity Incident described in “Note 13—Commitments, Contingencies, Guarantees and Others” as well as the potential impacts of the Coronavirus Disease of 2019 (“COVID-19”) pandemic described in “MD&A—Introduction—Coronavirus Disease 2019 (COVID-19) Pandemic” are forward-looking statements. Our actual results may differ materially from those included in these forward-looking statements due to a variety of factors including, but not limited to, those described in Part I—Item 1A. Risk Factors” in our 2021 Annual Report on Form 10-K (“2021 Form 10-K”) and “Part II—Item 1A. Risk Factors” in this Report. Unless otherwise specified, references to notes to our consolidated financial statements refer to the notes to our consolidated financial statements as of September 30, 2022 included in this Report.
Management monitors a variety of key indicators to evaluate our business results and financial condition. The following MD&A is provided as a supplement to, and should be read in conjunction with, our consolidated financial statements and related notes in this Report and the more detailed information contained in our 2021 Form 10-K.
INTRODUCTION
Capital One Financial Corporation, a Delaware corporation established in 1994 and headquartered in McLean, Virginia, is a diversified financial services holding company with banking and non-banking subsidiaries. Capital One Financial Corporation and its subsidiaries (the “Company” or “Capital One”) offer a broad array of financial products and services to consumers, small businesses and commercial clients through digital channels, branch locations, Cafés and other distribution channels.
As of September 30, 2022, our principal subsidiaries included:
Capital One Bank (USA), National Association (“COBNA”), which offers credit card products along with other lending products and consumer services; and
Capital One, National Association (“CONA”), which offers a broad spectrum of banking products and financial services to consumers, small businesses and commercial clients.
On October 1, 2022, the Company completed the merger of COBNA with and into CONA, with CONA as the surviving entity.
The Company is hereafter collectively referred to as “we,” “us” or “our.” COBNA and CONA are collectively referred to as the “Banks.” Certain business terms used in this document are defined in the “MD&A—Glossary and Acronyms” and should be read in conjunction with the consolidated financial statements included in this Report.
Our consolidated total net revenues are derived primarily from lending to consumer, small business and commercial customers net of funding costs associated with interest on deposits, long-term debt and other borrowings. We also earn non-interest income which primarily consists of interchange income, net of reward expenses, service charges and other customer-related fees. Our expenses primarily consist of the provision for credit losses, operating expenses, marketing expenses and income taxes.
Our principal operations are organized for management reporting purposes into three major business segments, which are defined primarily based on the products and services provided or the types of customer served: Credit Card, Consumer Banking and Commercial Banking. The operations of acquired businesses have been integrated into or managed as a part of our existing business segments. Certain activities that are not part of a segment, such as management of our corporate investment portfolio, asset/liability management by our centralized Corporate Treasury group and residual tax expense or benefit to arrive at the consolidated effective tax rate that is not assessed to our primary business segments, are included in the Other category.
4
Capital One Financial Corporation (COF)

Credit Card: Consists of our domestic consumer and small business card lending, and international card businesses in the United Kingdom (“U.K.”) and Canada.
Consumer Banking: Consists of our deposit gathering and lending activities for consumers and small businesses, and national auto lending.
Commercial Banking: Consists of our lending, deposit gathering, capital markets and treasury management services to commercial real estate and commercial and industrial customers. Our commercial and industrial customers typically include companies with annual revenues between $20 million and $2 billion.
Business Developments
We regularly explore and evaluate opportunities to acquire financial services and products as well as financial assets, including credit card and other loan portfolios, and enter into strategic partnerships as part of our growth strategy. We also explore opportunities to acquire technology companies and related assets to improve our information technology infrastructure and to deliver on our digital strategy. We may issue equity or debt to fund our acquisitions. In addition, we regularly consider the potential disposition or exit of certain assets, branches, partnership agreements or lines of business.
Coronavirus Disease 2019 (COVID-19) Pandemic
The COVID-19 pandemic resulted in a global public-health crisis, disrupting economies and introducing significant volatility into financial markets. We transformed how we work in order to protect the well-being of our associates and our customers, and were able to continue to serve our customers, successfully manage critical functions, and keep our lines of business operating.
During the COVID-19 pandemic, a significant majority of our associates across our workforce transitioned to working remotely. In the third quarter of 2022, we moved to a hybrid work methodology that allows for in-office collaboration while still enabling associates to work remotely. We continue to monitor local conditions to ensure the safety of our associates.
For the extent to which the COVID-19 pandemic impacted our financial results, refer to “Part I—Item 2. MD&A.” The extent to which the COVID-19 pandemic ultimately impacts our business, results of operations, and financial condition will depend on future developments that are still uncertain and cannot be predicted, including the scope and duration of the COVID-19 pandemic and actions taken by governmental authorities and other third parties in response to the COVID-19 pandemic. For more information see “Part I—Item 1A. Risk Factors” in our 2021 Form 10-K.
5
Capital One Financial Corporation (COF)

SELECTED FINANCIAL DATA
The following table presents selected consolidated financial data and performance from our results of operations for the third quarter and first nine months of 2022 and 2021 and selected comparative balance sheet data as of September 30, 2022 and December 31, 2021. We also provide selected key metrics we use in evaluating our performance, including certain metrics that are computed using non-GAAP measures. We consider these metrics to be key financial measures that management uses in assessing our operating performance, capital adequacy and the level of returns generated. We believe these non-GAAP metrics provide useful insight to investors and users of our financial information as they provide an alternate measurement of our performance and assist in assessing our capital adequacy and the level of return generated.
Table 1: Consolidated Financial Highlights
Three Months Ended September 30,Nine Months Ended September 30,
(Dollars in millions, except per share data and as noted)20222021Change20222021Change
Income statement
Net interest income$7,003$6,15614%$19,917$17,72112%
Non-interest income1,8021,67485,2934,59615
Total net revenue8,8057,8301225,21022,31713
Provision (benefit) for credit losses1,669(342)**3,431(2,325)**
Non-interest expense:
Marketing978751302,8991,87255
Operating expense3,9713,4351611,18410,02012
Total non-interest expense4,9494,1861814,08311,89218
Income from continuing operations before income taxes2,1873,986(45)7,69612,750(40)
Income tax provision493882(44)1,5682,782(44)
Income from continuing operations, net of tax1,6943,104(45)6,1289,968(39)
Income (loss) from discontinued operations, net of tax(3)**
Net income1,6943,104(45)6,1289,965(39)
Dividends and undistributed earnings allocated to participating securities(21)(26)(19)(74)(84)(12)
Preferred stock dividends(57)(79)(28)(171)(200)(15)
Issuance cost for redeemed preferred stock(12)**(12)**
Net income available to common stockholders$1,616$2,987(46)$5,883$9,669(39)
Common share statistics 
Basic earnings per common share:
Net income from continuing operations$4.21$6.81(38)%$14.90$21.53(31)%
Income (loss) from discontinued operations(0.01)**
Net income per basic common share$4.21$6.81(38)$14.90$21.52(31)
Diluted earnings per common share:
Net income from continuing operations$4.20$6.78(38)%$14.84$21.45(31)%
Income (loss) from discontinued operations(0.01)**
Net income per basic common share$4.20$6.78(38)$14.84$21.44(31)
Weighted-average common shares outstanding (in millions):
Basic 383.4438.8(13)%394.9449.2(12)%
Diluted384.6440.5(13)396.4450.9(12)
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Capital One Financial Corporation (COF)

Three Months Ended September 30,Nine Months Ended September 30,
(Dollars in millions, except per share data and as noted)20222021Change20222021Change
Common shares outstanding (period-end, in millions)382.0430.4(11)382.0430.4(11)
Dividends declared and paid per common share$0.60$1.20(50)$1.80$2.00(10)
Tangible book value per common share (period-end)(1)
81.3899.60(18)81.3899.60(18)
Balance sheet (average balances)
Loans held for investment$300,186$253,10119%$287,304$247,86716%
Interest-earning assets412,171387,766401,793388,820
Total assets447,088424,506437,523423,457
Interest-bearing deposits275,900269,278271,957272,022— 
Total deposits311,928305,035309,168306,102
Borrowings58,62837,46456 51,43138,13435 
Common equity49,69658,230(15)51,18456,972(10)
Total stockholders’ equity54,54164,682(16)56,03062,575(10)
Selected performance metrics 
Purchase volume$149,497$136,6149%$431,650$377,62314%
Total net revenue margin(2)
8.55 %8.08%47 bps8.37 %7.65%72 bps
Net interest margin6.80 6.3545 6.61 6.0853 
Return on average assets(3)
1.52 2.92(140)1.87 3.14(127)
Return on average tangible assets(4)
1.57 3.03(146)1.93 3.25(132)
Return on average common equity(5)
13.01 20.52(8)%15.33 22.64(7)%