Risk factors

Capital One Financial (COF) risk factors

Item 1A of every Capital One Financial Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    32 risks7 new4 dropped19 reworded

    Discover integration now adds risks around management distraction, employee attrition, risk-management remediation and uncertain integration costs.

    Filed Feb 19, 2026
  • FY2024 10-K risk factors
    31 risks

    Discover acquisition and integration costs, synergies, regulatory approval, and expanded operations dominate the risk discussion.

    Filed Feb 20, 2025