Capital One Financial (NYSE:COF) Conference December 09, 2025 02:20 PM ET Speaker1Sorry, we're a minute or two late. We won't lose it on the back end. We're pleased to have Capital One joining us once again. It's been a busy year for Cap One, highlighted by the closing of the Discover acquisition in May. In addition, the company has continued to see improving credit despite an uncertain macro and more recently began returning excess capital to shareholders. Here to tell us more about the story is Chairman a ...