The Workforce AI Index · Financial Services

Capital One Financial Corporation (COF)

Bank and card lender, one pattern. Read October 1, 2026 from the annual report for the period ending 2025-12-31, filed 2026-02-19. Ranked 2 of the 15 Financial Services companies read so far, by the share within reach now: the sector.

The filing states approximately 76,300 associates worldwide and nothing by segment, so one banking pattern carries the workforce (c).

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 39% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 23% people work and 9% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 33% of the working time stays with people (conversation, in-person and hands-on work), 58% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

76,300 employees as of 2025-12-31 (stated). The filing gives no count by country; its revenue is 96% United States.

The filing: “As of December 31, 2025, Capital One had approximately 76,300 employees worldwide, whom we refer to as associates.”

The workforce as industry patterns

What the filing says about the workforce: Approximately 76,300 associates worldwide, up from 52,600 the year before after the Discover acquisition; no count by status, segment or country.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• JPMorgan Chase (JPM, 318,512 employees)35% now, 68% by 2028
• Citigroup (C, 226,000 employees)37% now, 68% by 2028
• Bank of America (BAC, 213,000 employees)38% now, 67% by 2028
• Wells Fargo (WFC, 205,000 employees)38% now, 67% by 2028
• U.S. Bancorp (USB, 68,520 employees)39% now, 66% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)38% now, 66% by 2028

What the filing says about AI

49 sentences in the filing name AI. The filing names AI in 49 sentences: cloud and AI technologies as a key part of its strategic focus, risks from its extensive use of models and data and its evolving use of AI, and AI among its forward-looking factors.

• “A key part of our strategic focus is the development and use of efficient, flexible computer and operational systems, such as cloud or artificial intelligence ("AI") technologies.”
• “Numerous factors could cause our actual results to differ materially from those described in such forward-looking statements, including, among other things: 20 Capital One Financial Corporation (COF) Table of Contents risks related to the integration of the Transaction, including our ability to successfully integrate our businesses, incur substantial expenses related to the Transaction and to t...”
• “We face risks resulting from the extensive use of models and data, as well as from our evolving use of AI.”
• “Some of the factors that could disrupt capital markets, reduce consumer and business activity and weaken the labor market include the following: Monetary policy actions, such as changes to interest rates, taken by the Federal Reserve and other central banks, such as the central banks in the U.K. and Canada, and a growing fiscal deficit and increase in the U.S. debt-to-gross domestic product rat...”
• “See " We face risks resulting from the extensive use of models and data, as well as from our evolving use of AI.”

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The filing counts no people by segment or by country; the single pattern rests on its description (c).
• The U.S. share is not stated.

Source: the company's annual report on EDGAR, accession 0000927628-26-000024, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.