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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

____________________________________

FORM 10-K

____________________________________

☒			ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2020

OR

☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from              to             

Commission File No. 001-13300

____________________________________

Securities registered pursuant to section 12(g) of the Act: None

____________________________________

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☒ No ☐

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ☐ No ☒

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒  No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C.7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☒

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

The aggregate market value of the voting stock held by non-affiliates of the registrant as of the close of business on June 30, 2020 was approximately $28.3 billion. As of January 31, 2021, there were 459,236,740 shares of the registrant’s Common Stock outstanding.

DOCUMENTS INCORPORATED BY REFERENCE

1.Portions of the Proxy Statement for the annual meeting of stockholders to be held on May 6, 2021, are incorporated by reference into Part III.

TABLE OF CONTENTS

						Page
PART I						4
Item 1.			Business			4
			Overview			4
			Operations and Business Segments			7
			Competition			8
			Supervision and Regulation			8
			Human Capital Resources			19
			Additional Information			21
			Forward-Looking Statements			22
Item 1A.			Risk Factors			23
Item 1B.			Unresolved Staff Comments			41
Item 2.			Properties			41
Item 3.			Legal Proceedings			41
Item 4.			Mine Safety Disclosures			41
PART II						42
Item 5.			Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities			42
Item 6.			Selected Financial Data			44
Item 7.			Management’s Discussion and Analysis of Financial Condition and Results of Operations (“MD&A”)			47
			Executive Summary and Business Outlook			48
			Consolidated Results of Operations			50
			Consolidated Balance Sheets Analysis			55
			Off-Balance Sheet Arrangements			57
			Business Segment Financial Performance			57
			Critical Accounting Policies and Estimates			66
			Accounting Changes and Developments			70
			Capital Management			70
			Risk Management			77
			Credit Risk Profile			83
			Liquidity Risk Profile			96
			Market Risk Profile			100
			Supplemental Tables			104
			Glossary and Acronyms			109
Item 7A.			Quantitative and Qualitative Disclosures about Market Risk			115
Item 8.			Financial Statements and Supplementary Data			115
			Consolidated Statements of Income			121
			Consolidated Statements of Comprehensive Income			122
			Consolidated Balance Sheets			123
			Consolidated Statements of Changes in Stockholders’ Equity			124
			Consolidated Statements of Cash Flows			125

			Notes to Consolidated Financial Statements			127
			Note 1—Summary of Significant Accounting Policies			127
			Note 2—Investment Securities			143
			Note 3—Loans			146
			Note 4—Allowance for Credit Losses and Reserve for Unfunded Lending Commitments			154
			Note 5—Variable Interest Entities and Securitizations			158
			Note 6—Goodwill and Intangible Assets			162
			Note 7—Premises, Equipment and Leases			165
			Note 8—Deposits and Borrowings			167
			Note 9—Derivative Instruments and Hedging Activities			169
			Note 10—Stockholders’ Equity			178
			Note 11—Regulatory and Capital Adequacy			182
			Note 12—Earnings Per Common Share			184
			Note 13—Stock-Based Compensation Plans			185
			Note 14—Employee Benefit Plans			187
			Note 15—Income Taxes			189
			Note 16—Fair Value Measurement			193
			Note 17—Business Segments and Revenue from Contracts with Customers			202
			Note 18—Commitments, Contingencies, Guarantees and Others			207
			Note 19—Capital One Financial Corporation (Parent Company Only)			211
			Note 20—Related Party Transactions			213
Item 9.			Changes in and Disagreements with Accountants on Accounting and Financial Disclosure			214
Item 9A.			Controls and Procedures			214
Item 9B.			Other Information			214
PART III						215
Item 10.			Directors, Executive Officers and Corporate Governance			215
Item 11.			Executive Compensation			215
Item 12.			Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters			215
Item 13.			Certain Relationships and Related Transactions, and Director Independence			215
Item 14.			Principal Accountant Fees and Services			215
PART IV						216
Item 15.			Exhibits, Financial Statement Schedules			216
Item 16.			Form 10-K Summary			216
EXHIBIT INDEX						217
SIGNATURES						221