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10-K primary document
COF · Annual Report (Form 10-K) · Filed February 19, 2026

Capital One Financial Corp — 10-K exhibit

cof-12312025x10kxex23.htm
Capital One Financial Corp on Boardroom Alpha
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Consent of Independent Registered Public Accounting Firm

We consent to the incorporation by reference in the following Registration Statements, as listed below, of Capital One Financial Corporation and in the related Prospectus, where applicable, of our reports dated February 19, 2026, with respect to the consolidated financial statements of Capital One Financial Corporation and the effectiveness of internal control over financial reporting of Capital One Financial Corporation, included in this Annual Report (Form 10-K) of Capital One Financial Corporation for the year ended December 31, 2025.


Registration Statement NumberFormDescription
033-99748Form S-3Dividend Reinvestment and Stock Purchase Plan
333-97125Form S-3Dividend Reinvestment and Stock Purchase Plan
033-86986Form S-81994 Stock Incentive Plan
033-91790Form S-81995 Non-Employee Directors Stock Incentive Plan
033-97032Form S-8Amendment to 1994 Stock Incentive Plan
333-42853Form S-81994 Stock Incentive Plan – 1997 Special Option Program
333-45453Form S-8Associate Savings Plan
333-51637Form S-81994 Stock Incentive Plan
333-51639Form S-81994 Stock Incentive Plan – Tier 5 Special Option Program
333-57317Form S-81994 Stock Incentive Plan – 1998 Special Option Program
333-70305Form S-81994 Stock Incentive Plan – Supplemental Special Option Program
333-78067Form S-81994 Stock Incentive Plan
333-78383Form S-81994 Stock Incentive Plan – 1999 Performance-Based Option Program and Supplemental Special Option Program
333-78609Form S-81999 Stock Incentive Plan
333-78635Form S-81999 Non-Employee Directors Stock Incentive Plan
333-84693Form S-81994 Stock Incentive Plan – Supplemental Special Option Program
333-91327Form S-81994 Stock Incentive Plan – Supplemental Special Option Program
333-92345Form S-81994 Stock Incentive Plan
333-43288Form S-81994 Stock Incentive Plan
333-58628Form S-81994 Stock Incentive Plan
333-72788Form S-81994 Stock Incentive Plan – 2001 Performance-Based Option Program
333-72820Form S-81999 Non-Employee Directors Stock Incentive Plan
333-72822Form S-81994 Stock Incentive Plan
333-76726Form S-81994 Stock Incentive Plan – 2001 Performance-Based Option Program
333-97123Form S-82002 Non-Executive Officer Stock Incentive Plan
333-97127Form S-8Associate Savings Plan as Amended and Restated
333-100488Form S-82002 Associate Stock Purchase Plan
333-117920Form S-82004 Stock Incentive Plan
333-124428Form S-8Plans of Hibernia Corporation
333-136281Form S-82004 Stock Incentive Plan
333-133665Form S-8Plans of North Fork Bancorporation
333-151325Form S-8Amended and Restated Associate Stock Purchase Plan
333-158664Form S-8Second Amended and Restated 2004 Stock Incentive Plan
333-181736Form S-8Amended and Restated 2002 Associate Stock Purchase Plan


333-193683Form S-8Associate Savings Plan as Amended and Restated
333-195677Form S-8Third Amended and Restated 2004 Stock Incentive Plan
333–219570Form S-8Amended and Restated 2002 Associate Stock Purchase Plan
333-232907Form S-8Associate Savings Plan as Amended and Restated
333-277813
Form S-3Senior Debt Securities, Subordinated Debt Securities, Preferred Stock, Depositary Shares, Common Stock, Purchase Contracts, Warrants, Units
333-256072Form S-8Sixth Amended and Restated 2004 Stock Incentive Plan
333-256073Form S-8Associate Savings Plan as Amended and Restated
333-272146Form S-8Seventh Amended and Restated 2004 Stock Incentive Plan
333-279208Form S-8Amended and Restated 2002 Associate Stock Purchase Plan
333-287380Form S-8Plans of Discover Financial Services
/s/ Ernst & Young LLP
Tysons, Virginia
February 19, 2026

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