Capital One profile

Interest income, fees and card-related services generate revenue.

Capital One Financial Corporation: USD 53.40 billion total net revenue in the year ended 2025-12-31. Net income: USD 2.50 billion. Group/company figures. 2025 includes Discover from 18 May, so the prior year has a different business scope.

About 5% of revenue as net income in the rounded 2025 figures. 2025 includes Discover from 18 May, so the prior year has a different business scope.

Capital One Financial Corporation (COF), 2026-10-16 snapshot: USD 201.74 per share. Market capitalisation: USD 123.76B.

The enlarged Capital One/Discover group connects lending, card spending and payment-network economics.

Eno provides account assistance, transaction insights and virtual-card support. Fraud monitoring supplies another, less visible layer of automated decisions.

Capital One develops Eno and banking technology around its account and card data.

The May 2026 online policy covers information supplied directly, service/device information and other sources. It describes product provision, fraud prevention, personalisation and model development, with advertising choices and privacy requests. Mandatory financial records are a different purpose from optional marketing.

Bank staff, fraud processes and account support sit behind the digital tools; a flagged transaction can lead to customer confirmation.

Set useful alerts, review reward economics and separate the cost of borrowing from the appeal of a benefit.

15/25 points

Capital One publishes separate online and financial privacy information. The online policy describes personalisation, advertising and model development alongside banking purposes. A financial brand’s security processes should not be mistaken for a promise of no profiling.

15/25 points

The May 2026 online policy covers information supplied directly, service/device information and other sources. It describes product provision, fraud prevention, personalisation and model development, with advertising choices and privacy requests. Mandatory financial records are a different purpose from optional marketing.

15/25 points

A financial promotion should be assessed against the exact account or credit agreement.

20/25 points

Set useful alerts, review reward economics and separate the cost of borrowing from the appeal of a benefit.

Comparison priority: borrowing costs, annual fees and benefits you will use. A reward is most valuable when it follows existing spending rather than creating it.

Cashback, miles and card benefits reward repeated use of an eligible product.

Transaction alerts, due-date reminders and Eno insights keep the account active in daily life.

Virtual card numbers and saved payments make online checkout easier without re-entering the main card details.

Card tiers, travel benefits and recognisable rewards programmes make a payment product part of lifestyle identity.

Offer windows, reward thresholds and payment due dates make timing matter. Existing rewards create a reason to keep using the same account.