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Sankey diagram of Capital One Financial Corporation. A complete text table follows the diagram.
Card lending drives both interest spread and interchange economics, but the model must absorb a $4.1 billion quarterly credit provision before operating costs and shareholder earnings
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Every monetary flow is directly reported. Segment net revenue reconciles exactly to net interest plus noninterest income. The flow then separately shows the credit provision, noninterest expense, tax, discontinued-operations loss and capital claims.
Labels and narrative explain the filing. A category marked “arithmetic bridge” or “residual” is calculated from reported totals, rather than a separately reported line.
| Category | Stage | Value | Notes |
|---|---|---|---|
| Credit Card | 1 | $11.4B | 74.8% of net revenue |
| Consumer Banking | 1 | $2.9B | Auto lending and deposits |
| Commercial Banking | 1 | $909M | Middle-market and commercial real estate |
| Corporate & other | 1 | $21M | Treasury and other activity |
| Net revenue | 2 | $15.2B | $12.15B net interest plus $3.09B fees |
| Revenue after credit provision | 3 | $11.2B | Credit-normalized resource pool |
| Provision for credit losses | 3 | $4.1B | Expected card, auto and commercial losses |
| Income before tax | 4 | $2.7B | 17.7% of net revenue |
| Noninterest expense | 4 | $8.5B | People, marketing, technology and operations |
| Continuing-operations income | 5 | $2.2B | After income tax |
| Income tax | 5 | $518M | 19.2% effective rate |
| Net income | 6 | $2.2B | After discontinued operations |
| Discontinued-operations loss | 6 | $7M | Legacy disposed activity |
| Common stockholder income | 7 | $2.1B | $3.34 diluted EPS |
| Preferred dividends | 7 | $73M | Preferred capital claim |
| Participating securities | 7 | $20M | Distributed and undistributed earnings |
| From | To | Value |
|---|---|---|
| Credit Card | Net revenue | $11.4B |
| Consumer Banking | Net revenue | $2.9B |
| Commercial Banking | Net revenue | $909M |
| Corporate & other | Net revenue | $21M |
| Net revenue | Revenue after credit provision | $11.2B |
| Net revenue | Provision for credit losses | $4.1B |
| Revenue after credit provision | Income before tax | $2.7B |
| Revenue after credit provision | Noninterest expense | $8.5B |
| Income before tax | Continuing-operations income | $2.2B |
| Income before tax | Income tax | $518M |
| Continuing-operations income | Net income | $2.2B |
| Continuing-operations income | Discontinued-operations loss | $7M |
| Net income | Common stockholder income | $2.1B |
| Net income | Preferred dividends | $73M |
| Net income | Participating securities | $20M |