Capital One Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	2,453	4,750	4,887	7,360	12,390
Depreciation & Amortization	5,260	3,237	3,226	3,200	3,481
Gain (Loss) on Sale of Investments	-	35	34	9	-2
Total Asset Writedown	-	-	-	10	-
Provision for Credit Losses	20,655	11,716	10,426	5,847	-1,944
Net Decrease (Increase) in Loans Originated / Sold - Operating	-510	182	-170	857	-18
Accrued Interest Receivable	-34	-54	-359	-641	17
Change in Other Net Operating Assets	1,479	-1,530	2,562	-2,462	-2,520
Other Operating Activities	-2,279	-788	-672	-732	651
Net Cash from Discontinued Operations	84	-4	-	-3	-6
Operating Cash Flow	27,718	18,159	20,575	13,809	12,310
Operating Cash Flow Growth	52.64%	-11.74%	49.00%	12.18%	-26.28%
Capital Expenditures	-1,578	-1,204	-961	-934	-698
Cash Acquisitions	16,465	-	-2,785	-1,176	-669
Investment in Securities	9,440	-5,159	-1,315	6,794	1,861
Net Decrease (Increase) in Loans Originated / Sold - Investing	-31,751	-18,430	-15,534	-33,794	-31,327
Other Investing Activities	6,980	-1,617	-1,325	-628	-668
Investing Cash Flow	-444	-26,410	-21,920	-29,738	-31,501
Long-Term Debt Issued	9,031	5,817	11,510	31,044	10,847
Long-Term Debt Repaid	-17,856	-10,239	-11,270	-22,621	-7,293
Net Debt Issued (Repaid)	-8,825	-4,422	240	8,423	3,554
Issuance of Common Stock	409	327	309	295	308
Repurchase of Common Stock	-4,099	-734	-718	-4,948	-7,605
Preferred Stock Issued	-	-	-	-	2,052
Preferred Share Repurchases	-500	-	-	-	-2,100
Common Dividends Paid	-1,516	-932	-931	-950	-1,148
Preferred Dividends Paid	-252	-228	-228	-228	-274
Total Dividends Paid	-1,768	-1,160	-1,159	-1,178	-1,422
Net Increase (Decrease) in Deposit Accounts	5,931	14,156	15,172	22,539	5,687
Financing Cash Flow	-8,852	8,167	13,844	25,131	474
Net Cash Flow	18,422	-84	12,499	9,202	-18,717
Free Cash Flow	26,140	16,955	19,614	12,875	11,612
Free Cash Flow Growth	54.17%	-13.56%	52.34%	10.88%	-27.38%
Free Cash Flow Margin	79.75%	61.89%	74.41%	45.33%	35.86%
Free Cash Flow Per Share	48.29	44.20	51.16	32.74	26.14
Cash Interest Paid	14,886	13,201	10,823	3,609	2,158
Cash Income Tax Paid	806	1,105	1,355	1,852	2,527

Source: S&P Global Market Intelligence. Banks template. Financial Sources.