Balance Sheet Capital One Financial Corporation

Equities

COF

US14040H1059

Consumer Lending

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Jan. 14	Sector Update: Financial Stocks Rise Late Afternoon	MT
Jan. 14	Capital One Sued by CFBP for Allegedly Avoiding More Than $2 Billion in Interest Payments	MT

1aed95be2e26e565a8499cb3.d89R1jXCsH1kv5CP9lUvZ6NWZjXxL5b4zYGKCcZJAuY.PpcF-1KLhAwy68nqr21lXuYfVWeTea6ip-jbXK0CL6ggh2DgfZfcOAbG9w

Published financial data: CAPITAL ONE FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest Income On Loans	25.86B	24.07B	24.26B	28.91B	37.41B
Interest Income On Investments	2.65B	1.96B	1.51B	2.33B	4.53B
Interest Income, Total	28.51B	26.03B	25.77B	31.24B	41.94B
Interest On Deposits	3.42B	2.16B	956M	2.54B	9.49B
Total Interest On Borrowings	1.75B	955M	642M	1.59B	3.21B
Interest Expense, Total	5.17B	3.12B	1.6B	4.12B	12.7B
Net Interest Income	23.34B	22.91B	24.17B	27.11B	29.24B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	26M	560M	2M	-	-34M
Total Other Non Interest Income	5.23B	5.05B	6.26B	7.14B	7.58B
Non Interest Income, Total	5.25B	5.61B	6.26B	7.14B	7.55B
Revenues Before Provison For Loan Losses	28.59B	28.52B	30.44B	34.25B	36.79B
Provision For Loan Losses	6.24B	10.26B	-1.94B	5.85B	10.43B
Total Revenues	22.36B	18.26B	32.38B	28.4B	26.36B
Salaries And Other Employee Benefits	6.12B	6.57B	7.06B	8.08B	8.75B
Amort. of Goodwill & Intang. Assets	112M	60M	29M	70M	82M
Occupancy Expense	1.74B	1.76B	1.66B	1.73B	1.87B
Selling General & Admin Expenses, Total	5.42B	4.73B	6.28B	7.88B	7.5B
Total Other Non Interest Expense	1.74B	1.4B	1.38B	1.42B	2.11B
Non Interest Expense, Total	15.13B	14.52B	16.4B	19.16B	20.32B
EBT, Excl. Unusual Items	7.22B	3.74B	15.98B	9.24B	6.04B
Insurance Settlements	34M	39M	-	-	-
Legal Settlements	-	-313M	-	-	-
Other Unusual Items	-383M	-261M	-166M	-	-
EBT, Incl. Unusual Items	6.87B	3.2B	15.81B	9.24B	6.04B
Income Tax Expense	1.34B	486M	3.42B	1.88B	1.16B
Earnings From Continuing Operations	5.53B	2.72B	12.39B	7.36B	4.89B
Earnings Of Discontinued Operations	13M	-3M	-4M	-	-
Net Income to Company	5.55B	2.71B	12.39B	7.36B	4.89B
Net Income - (IS)	5.55B	2.71B	12.39B	7.36B	4.89B
Preferred Dividend and Other Adjustments	354M	339M	425M	316M	305M
Net Income to Common Incl Extra Items	5.19B	2.38B	11.96B	7.04B	4.58B
Net Income to Common Excl. Extra Items	5.18B	2.38B	11.97B	7.04B	4.58B
Per Share Items
Net EPS - Basic	11.1	5.19	27.04	17.98	11.98
Basic EPS - Continuing Operations	11.08	5.19	27.05	17.98	11.98
Basic Weighted Average Shares Outstanding	468M	458M	442M	392M	382M
Net EPS - Diluted	11.05	5.18	26.94	17.91	11.95
Diluted EPS - Continuing Operations	11.02	5.19	26.95	17.91	11.95
Diluted Weighted Average Shares Outstanding	470M	459M	444M	393M	383M
Normalized Basic EPS	9.65	5.1	22.56	14.74	9.88
Normalized Diluted EPS	9.61	5.09	22.48	14.69	9.85
Dividend Per Share	1.6	1	2	2.4	2.4
Payout Ratio	18.66	27.27	9.34	16.01	23.72
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	19.51	15.17	21.6	20.35	19.16
Current Domestic Taxes	1.51B	2.05B	2.66B	2.55B	1.8B
Current Foreign Taxes	129M	67M	152M	104M	76M
Total Current Taxes	1.64B	2.11B	2.81B	2.65B	1.88B
Deferred Domestic Taxes	-267M	-1.62B	581M	-774M	-692M
Deferred Foreign Taxes	-29M	-4M	24M	2M	-31M
Total Deferred Taxes	-296M	-1.63B	605M	-772M	-723M
Normalized Net Income	4.51B	2.34B	9.98B	5.78B	3.78B
Non-Cash Pension Expense	-10M	-8M	-12M	-8M	-6M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	264M	233M	364M	350M	552M
Total Stock-Based Compensation	264M	233M	364M	350M	552M

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	13.41B	40.51B	21.75B	30.86B	43.3B
Investment Securities, Total	5.46B	12.04B	12.37B	6.48B	7.22B
Trading Asset Securities, Total	1.1B	2.27B	2.15B	1.96B	1.67B
Mortgage Backed Securities	73.76B	88.44B	82.98B	70.46B	71.96B
Total investments	80.32B	103B	97.5B	78.9B	80.85B
Gross Loans	266B	252B	277B	312B	321B
Allowance For Loan Losses	-7.21B	-15.56B	-11.43B	-13.24B	-15.3B
Net Loans	259B	236B	266B	299B	305B
Gross Property Plant And Equipment	10.62B	10.31B	9.88B	10.48B	10.56B
Accumulated Depreciation	-4.81B	-4.71B	-4.53B	-5B	-5.18B
Net Property Plant And Equipment	5.81B	5.6B	5.35B	5.48B	5.38B
Goodwill	14.65B	14.65B	14.78B	14.78B	15.06B
Other Intangibles, Total	174M	90M	111M	159M	310M
Investment in FHLB	328M	30M	32M	15M	18M
Loans Held For Sale	400M	2.71B	5.89B	203M	854M
Accrued Interest Receivable	1.76B	1.47B	1.46B	2.1B	2.48B
Restricted Cash	342M	262M	308M	400M	458M
Other Current Assets, Total	37M	108M	206M	158M	123M
Other Real Estate Owned And Foreclosed	63M	42M	40M	55M	45M
Other Long-Term Assets, Total	14.4B	17.26B	19.01B	23.01B	24.37B
Total Assets	390B	422B	432B	455B	478B
Liabilities
Accrued Expenses, Total	4.7B	5.4B	6.2B	6.8B	7.4B
Interest Bearing Deposits	222B	270B	271B	295B	305B
Institutional Deposits	17.46B	4.2B	1.8B	6.1B	15.8B
Non-Interest Bearing Deposits	23.49B	31.14B	38.04B	32.2B	28.02B
Total Deposits	263B	305B	311B	333B	348B
Short-Term Borrowings	7.99B	1.45B	2.14B	4.2B	2.87B
Current Portion of Long-Term Debt	9.83B	6.21B	8B	5.32B	7.11B
Current Portion of Leases	332M	316M	299M	278M	250M
Long-Term Debt	38.45B	33.59B	34.21B	42.47B	42.18B
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	-
Long-Term Leases	1.53B	1.45B	1.24B	1.21B	1.09B
Accrued Interest Payable	439M	352M	281M	527M	649M
Pension & Other Post Retirement Benefits	32M	27M	21M	15M	13M
Other Non Current Liabilities	6.36B	7.17B	7.98B	8.84B	10.4B
Total Liabilities	332B	361B	371B	403B	420B
Preferred Stock - Others	4.85B	4.85B	4.84B	4.84B	4.84B
Total Preferred Equity	4.85B	4.85B	4.84B	4.84B	4.84B
Common Stock, Total	7M	7M	7M	7M	7M
Additional Paid In Capital	28.13B	28.63B	29.27B	29.88B	30.7B
Retained Earnings	40.34B	40.09B	51.01B	57.18B	60.94B
Treasury Stock	-16.47B	-16.86B	-24.47B	-29.42B	-30.14B
Comprehensive Income and Other	1.16B	3.49B	374M	-9.92B	-8.27B
Total Common Equity	53.16B	55.36B	56.18B	47.74B	53.24B
Total Equity	58.01B	60.2B	61.03B	52.58B	58.09B
Total Liabilities And Equity	390B	422B	432B	455B	478B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	457M	459M	414M	381M	380M
ECS Total Common Shares Outstanding	457M	459M	414M	381M	380M
Book Value / Share	116.43	120.61	135.76	125.19	139.97
Tangible Book Value	38.33B	40.61B	41.29B	32.8B	37.87B
Tangible Book Value Per Share	83.96	88.49	99.77	86.02	99.55
Tangible Book Value Per Share (As Reported)	83.72	88.34	99.74	86.11	99.78
Average Assets	375B	411B	425B	441B	468B
Average Loans	249B	255B	257B	294B	312B
Total Debt	58.13B	43.01B	45.9B	53.49B	53.5B
Deposits at Interest - Cash	9.28B	35.8B	17.58B	25.66B	38.39B
Federal Funds Sold	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-89M	-96M	-110M	-94M	-109M
Net Debt	43.62B	230M	22B	20.67B	8.54B
Equity Method Investments, Total	-	-	50M	-	-
Full Time Employees	51.9K	51.98K	50.77K	55.94K	51.99K

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	5.55B	2.71B	12.39B	7.36B	4.89B
Depreciation, Depletion & Amortization	3.16B	3.37B	3.37B	3.05B	3.06B
Amortization of Goodwill and Intangible Assets - (CF)	182M	129M	108M	163M	170M
Total Depreciation, Depletion & Amortization	3.34B	3.5B	3.48B	3.21B	3.23B
Gain (Loss) on Sale of Loans & Receivables - (CF)	-50M	-6M	1M	-196M	6M
(Gain) Loss on Sale of Investments - (CF)	-26M	-25M	-2M	9M	34M
Provision for Credit Losses	6.24B	10.26B	-1.94B	5.85B	10.43B
Stock-Based Compensation (CF)	239M	203M	331M	314M	513M
Net (Increase) Decrease in Loans Originated / Sold - Operating	870M	-199M	-18M	857M	-170M
Changes in Accrued Interest Receivable	-63M	287M	17M	-641M	-359M
Changes in Accrued Interest Payable	-19M	-87M	-71M	246M	122M
Change in Other Net Operating Assets (Collected)	856M	2.19B	-2.52B	-2.46B	2.56B
Other Operating Activities	-296M	-2.15B	651M	-732M	-672M
Net Cash From Discontinued Operations	7M	3M	-6M	-3M	-
Cash from Operations	16.64B	16.7B	12.31B	13.81B	20.58B
Capital Expenditure	-887M	-710M	-698M	-934M	-961M
Cash Acquisitions	-8.39B	-7M	-669M	-1.18B	-2.78B
Investment in Marketable and Equity Securities, Total	5.88B	-19.89B	1.86B	6.79B	-1.32B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-18.72B	6.59B	-31.33B	-33.79B	-15.53B
Other Investing Activities, Total	-877M	-822M	-668M	-628M	-1.32B
Cash from Investing	-23B	-14.84B	-31.5B	-29.74B	-21.92B
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	10.8B	5.24B	10.85B	31.04B	11.51B
Total Debt Issued	10.8B	5.24B	10.85B	31.04B	11.51B
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-14.98B	-21.72B	-7.29B	-22.62B	-11.27B
Total Debt Repaid	-14.98B	-21.72B	-7.29B	-22.62B	-11.27B
Issuance of Common Stock	216M	303M	308M	295M	309M
Repurchase of Common Stock	-1.48B	-393M	-7.6B	-4.95B	-718M
Issuance of Preferred Stock	1.46B	1.33B	2.05B	-	-
Repurchase of Preferred Stock	-1B	-1.38B	-2.1B	-	-
Common Dividends Paid	-753M	-460M	-883M	-950M	-931M
Preferred Dividends Paid	-282M	-280M	-274M	-228M	-228M
Common & Preferred Stock Dividends Paid	-1.04B	-740M	-1.16B	-1.18B	-1.16B
Net Increase (Decrease) in Deposit Accounts - (CF)	12.64B	42.52B	5.69B	22.54B	15.17B
Special Dividend Paid	-	-	-265M	-	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	6.62B	25.16B	474M	25.13B	13.84B
Net Change in Cash	260M	27.02B	-18.72B	9.2B	12.5B
Supplemental Items
Cash Interest Paid	4.79B	3.58B	2.16B	3.61B	10.82B
Cash Income Tax Paid (Refund)	626M	988M	2.53B	1.85B	1.36B
Net Debt Issued / Repaid	-4.19B	-16.48B	3.55B	8.42B	240M

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	1.45	0.67	2.9	1.66	1.05
Return On Equity %	10.09	4.6	20.45	12.96	8.83
Return on Common Equity	10.31	4.38	21.46	13.56	9.07
Shareholders Value Added	-300M	-3.67B	5.81B	1.29B	-1B
Margin Analysis
SG&A Margin	59.43	71.53	46.32	62.24	68.75
Net Interest Income / Total Revenues %	104.4	125.49	74.65	95.46	110.93
EBT Excl. Non-Recurring Items Margin %	32.31	20.47	49.34	32.53	22.93
Income From Continuing Operations Margin %	24.75	14.88	38.28	25.91	18.54
Net Income Margin %	24.81	14.86	38.27	25.91	18.54
Net Avail. For Common Margin %	23.16	13.02	36.97	24.8	17.38
Normalized Net Income Margin	20.19	12.8	30.84	20.33	14.33
Asset quality
Nonperforming Loans / Total Loans %	0.37	0.4	0.4	0.43	0.48
Nonperforming Loans / Total Assets %	0.25	0.24	0.25	0.3	0.32
Nonperforming Assets / Total Assets %	0.27	0.25	0.26	0.31	0.33
NPAs / Loans and OREO	0.39	0.41	0.41	0.45	0.5
NPAs / Equity	1.8	1.73	1.87	2.67	2.74
Allowance for Credit Losses / Net Charge-offs %	115.29	297.88	511.64	333.25	181.79
Allowance for Credit Losses / Nonperforming Loans %	733.27	1.56K	1.04K	985.12	1K
Allowance for Credit Losses / Total Loans %	2.71	6.18	4.12	4.24	4.77
Net Charge-offs / Total Average Loans %	2.52	2.05	0.87	1.35	2.7
Provision for Loan Losses / Net Charge-offs %	99.74	196.44	-87.02	147.17	123.91
Earning Assets / IBL	120.33	121.54	124.94	123.26	120.92
Interest Income / Average Assets	7.6	6.33	6.07	7.09	8.96
Interest Expense / Average Assets	1.38	0.76	0.38	0.94	2.71
Net Interest Income / Average Assets	6.23	5.57	5.69	6.15	6.25
Non Interest Income / Average Assets	1.4	1.36	1.48	1.62	1.61
Non Interest Expense / Average Asset	4.04	3.53	3.86	4.35	4.34
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.17	13.36	13.06	11.71	10.81
Total Average Equity / Total Average Assets %	14.38	14.56	14.2	12.8	11.85
Total Equity + Allowance for Loan Losses / Total Loans %	24.53	30.1	26.12	21.07	22.9
Gross Loans / Total Deposits %	101.21	82.4	89.2	93.81	91.99
Net Loans / Total Deposits %	98.47	77.3	85.52	89.83	87.6
Tier 1 Capital Ratio %	13.7	15.3	14.5	13.9	14.2
Total Capital Ratio %	16.1	17.7	16.9	15.8	16
Core Tier 1 Capital Ratio	12.2	13.7	13.1	12.5	12.9
Tier 2 Capital Ratio	2.34	2.42	2.33	1.99	1.8
Equity Tier 1 Capital Ratio	10.2	10	9.9	7.5	8.2
Coverage Ratio