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Capital One Announces Preliminary Stress Capital Buffer Requirement

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Capital One Financial Corporation (NYSE: COF) has announced its preliminary Stress Capital Buffer Requirement (SCB) of 4.5 percent, which will take effect on October 1, 2025. This represents a decrease from the current SCB of 5.5 percent, which remains in effect through Q3 2025.

The Federal Reserve issued a notice in April 2025 proposing to amend the SCB calculation method by averaging stress test results over two consecutive years. However, the preliminary SCB announced was calculated under the current framework, not reflecting the proposed averaging method as the proposal has not been finalized.

Capital One Financial Corporation (NYSE: COF) ha annunciato il suo requisito preliminare per il Stress Capital Buffer (SCB) pari al 4,5 percento, che entrerà in vigore il 1° ottobre 2025. Questo rappresenta una diminuzione rispetto all'attuale SCB del 5,5 percento, valido fino al terzo trimestre del 2025.

La Federal Reserve ha pubblicato un avviso nell'aprile 2025 proponendo di modificare il metodo di calcolo dello SCB, calcolandolo come media dei risultati dei test di stress su due anni consecutivi. Tuttavia, lo SCB preliminare annunciato è stato calcolato secondo il quadro attuale, senza riflettere il metodo di media proposto, poiché la proposta non è stata ancora finalizzata.

Capital One Financial Corporation (NYSE: COF) ha anunciado su requisito preliminar del Stress Capital Buffer (SCB) de 4,5 por ciento, que entrará en vigor el 1 de octubre de 2025. Esto representa una disminución respecto al SCB actual del 5,5 por ciento, que permanece vigente hasta el tercer trimestre de 2025.

La Reserva Federal emitió un aviso en abril de 2025 proponiendo modificar el método de cálculo del SCB, promediando los resultados de las pruebas de estrés durante dos años consecutivos. Sin embargo, el SCB preliminar anunciado fue calculado bajo el marco actual, sin reflejar el método de promedio propuesto, ya que la propuesta no ha sido finalizada.

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연방준비제ë�(Federal Reserve)ëŠ� 2025ë…� 4ì›”ì— SCB ì‚°ì¶œ ë°©ì‹ì� ì—°ì† 2ë…„ê°„ì� 스트레스 테스íŠ� ê²°ê³¼ë¥� í‰ê· í•˜ëŠ” ë°©ì‹ìœ¼ë¡œ 변경하ëŠ� ì•ˆì„ ì œì•ˆí–ˆìŠµë‹ˆë‹¤. 그러ë‚� 발표ë� 예비 SCBëŠ� 제안ë� í‰ê·  ë°©ì‹ì� ë°˜ì˜ë˜ì§€ ì•Šì€ í˜„ìž¬ì� ì‚°ì¶œ 체계ì—� ë”°ë¼ ê³„ì‚°ë� 것입니다. 해당 ì œì•ˆì€ ì•„ì§ ìµœì¢… 확정ë˜ì§€ 않았습니ë‹�.

Capital One Financial Corporation (NYSE: COF) a annoncé son exigence préliminaire de Stress Capital Buffer (SCB) de 4,5 pour cent, qui prendra effet le 1er octobre 2025. Cela représente une diminution par rapport au SCB actuel de 5,5 pour cent, en vigueur jusqu'au troisième trimestre 2025.

La Réserve fédérale a publié un avis en avril 2025 proposant de modifier la méthode de calcul du SCB en moyennant les résultats des tests de stress sur deux années consécutives. Cependant, le SCB préliminaire annoncé a été calculé selon le cadre actuel, ne reflétant pas la méthode de moyenne proposée, car la proposition n'a pas encore été finalisée.

Capital One Financial Corporation (NYSE: COF) hat seine vorläufige Stress Capital Buffer-Anforderung (SCB) von 4,5 Prozent bekannt gegeben, die am 1. Oktober 2025 in Kraft treten wird. Dies stellt eine Verringerung gegenüber dem aktuellen SCB von 5,5 Prozent dar, der bis zum dritten Quartal 2025 gilt.

Die Federal Reserve veröffentlichte im April 2025 eine Mitteilung, in der vorgeschlagen wird, die Berechnungsmethode des SCB zu ändern, indem die Ergebnisse der Stresstests über zwei aufeinanderfolgende Jahre gemittelt werden. Der angekündigte vorläufige SCB wurde jedoch nach dem aktuellen Rahmen berechnet und spiegelt die vorgeschlagene Durchschnittsmethode nicht wider, da der Vorschlag noch nicht finalisiert wurde.

Positive
  • Reduction in Stress Capital Buffer Requirement from 5.5% to 4.5%
Negative
  • None.

Insights

Capital One's stress capital buffer dropping from 5.5% to 4.5% increases financial flexibility and potential for higher shareholder returns.

Capital One's preliminary Stress Capital Buffer (SCB) requirement has been reduced to 4.5% from the previous 5.5%, effective October 1, 2025. This 1 percentage point reduction in the SCB is a positive development with material implications for the bank's capital management strategy.

The SCB is a critical regulatory metric introduced after the 2008 financial crisis that establishes how much additional capital a bank must maintain above minimum requirements to withstand severe economic stress. A lower SCB requirement effectively means Capital One has demonstrated stronger resilience in the Federal Reserve's stress testing scenarios, allowing it to operate with less capital cushion.

This reduction delivers two primary benefits: First, it frees up capital that can potentially be returned to shareholders through increased dividends or share repurchases. Second, it provides greater operational flexibility, potentially enabling more aggressive lending or investment strategies without breaching regulatory thresholds.

It's worth noting that the Federal Reserve has proposed changing how the SCB is calculated by averaging stress test results over two consecutive years, which could reduce volatility in capital requirements. However, the current preliminary figure doesn't incorporate this proposed methodology as it hasn't been finalized yet.

This improved regulatory assessment suggests Federal Reserve supervisors view Capital One's risk management frameworks and capital planning processes more favorably than in previous assessment cycles, indicating a stronger financial foundation.

MCLEAN, Va., July 1, 2025 /PRNewswire/ -- Capital One Financial Corporation (NYSE: COF) today announced the company's preliminary Stress Capital Buffer Requirement ("SCB"), as calculated by the Board of Governors of the Federal Reserve System (the "Federal Reserve") 2025ÌýComprehensive Capital Analysis and Review process ("CCAR"), is 4.5 percent, effective October 1, 2025. Capital One'sÌýpreviously disclosed SCB of 5.5 percent, as calculated by the Federal Reserve 2024ÌýCCAR process, will remain in effect through the end ofÌýthe third quarter of 2025.

In April 2025, the Federal Reserve issued a notice of proposed rulemaking to amend the calculation of the SCB.Ìý The proposal would average stress test results over two consecutive years for purposes of determining the SCB requirement.Ìý The proposal has not yet been finalized, and our preliminary SCB disclosed above has been calculated under the current framework and does not reflect the proposed averaging.

Forward-Looking Statements
Certain statements in this release may constitute forward-looking statements, which involve a number of risks and uncertainties. Forward-looking statements often use words such as "will," "anticipate," "target," "expect," "think," "estimate," "intend," "plan," "goal," "believe," "forecast," "outlook" or other words of similar meaning. Any forward-looking statements made by Capital One or on its behalf speak only as of the date they are made or as of the date indicated, and Capital One does not undertake any obligation to update forward-looking statements as a result of new information, future events or otherwise. Capital One cautions readers that any forward-looking information is not a guarantee of future performance and that actual results could differ materially from those contained in the forward-looking information due to a number of factors. For additional information on factors that could materially influence forward-looking statements included in this press release, see the risk factors set forth under "Part I—Item 1A. Risk Factors" in the Annual Report on Form 10-K for the year ended December 31, 2024 filed with the Securities and Exchange Commission (the "SEC") and Quarterly Reports on Form 10-Q and Current Reports on Form 8-K filed with the SEC.

About Capital One
Capital One Financial Corporation () is a financial holding company which, along with its subsidiaries, had $367.5 billion in deposits and $493.6 billion in total assets as of March 31, 2025. Headquartered in McLean, Virginia, Capital One offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients through a variety of channels. Capital One, N.A. has branches and Cafés located primarily in New York, Louisiana, Texas, Maryland, Virginia and the District of Columbia. A Fortune 500 company, Capital One trades on the New York Stock Exchange under the symbol "COF" and is included in the S&P 100 index.

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SOURCE Capital One Financial Corporation

FAQ

What is Capital One's (COF) new Stress Capital Buffer Requirement?

Capital One's preliminary Stress Capital Buffer Requirement is 4.5 percent, effective October 1, 2025.

When will Capital One's new SCB requirement take effect?

The new 4.5% Stress Capital Buffer Requirement will take effect on October 1, 2025.

What is Capital One's current SCB requirement?

Capital One's current SCB requirement is 5.5 percent, which remains in effect through the end of the third quarter of 2025.

What changes has the Federal Reserve proposed for SCB calculations?

In April 2025, the Federal Reserve proposed to amend the SCB calculation by averaging stress test results over two consecutive years, though this proposal has not yet been finalized.
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