Capital One Financial (NYSE:COF) Q4 2025 Earnings call January 22, 2026 05:00 PM ET Speaker0Good day, and thank you for standing by. Welcome to the Capital One Q4 2025 earnings call. Please be advised that today's conference is being recorded. After the speaker's presentation, there will be a question-and-answer session. To ask a question, please press star one-one on your telephone and wait for your name to be announced. To withdraw your question, please press star one-one again. I would now like to hand t ...