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Consent of Independent Registered Public Accounting Firm

We consent to the incorporation by reference in the following Registration Statements, as listed below, of Capital One Financial Corporation and in the related Prospectus, where applicable, of our reports dated February 20, 2025, with respect to the consolidated financial statements of Capital One Financial Corporation and the effectiveness of internal control over financial reporting of Capital One Financial Corporation, included in this Annual Report (Form 10-K) of Capital One Financial Corporation for the year ended December 31, 2024.

Registration Statement Number

Form

Description

033-99748

Form S-3

Dividend Reinvestment and Stock Purchase Plan

333-97125

Form S-3

Dividend Reinvestment and Stock Purchase Plan

033-86986

Form S-8

1994 Stock Incentive Plan

033-91790

Form S-8

1995 Non-Employee Directors Stock Incentive Plan

033-97032

Form S-8

Amendment to 1994 Stock Incentive Plan

333-42853

Form S-8

1994 Stock Incentive Plan – 1997 Special Option Program

333-45453

Form S-8

Associate Savings Plan

333-51637

Form S-8

1994 Stock Incentive Plan

333-51639

Form S-8

1994 Stock Incentive Plan – Tier 5 Special Option Program

333-57317

Form S-8

1994 Stock Incentive Plan – 1998 Special Option Program

333-70305

Form S-8

1994 Stock Incentive Plan – Supplemental Special Option Program

333-78067

Form S-8

1994 Stock Incentive Plan

333-78383

Form S-8

1994 Stock Incentive Plan – 1999 Performance-Based Option Program and Supplemental Special Option Program

333-78609

Form S-8

1999 Stock Incentive Plan

333-78635

Form S-8

1999 Non-Employee Directors Stock Incentive Plan

333-84693

Form S-8

1994 Stock Incentive Plan – Supplemental Special Option Program

333-91327

Form S-8

1994 Stock Incentive Plan – Supplemental Special Option Program

333-92345

Form S-8

1994 Stock Incentive Plan

333-43288

Form S-8

1994 Stock Incentive Plan

333-58628

Form S-8

1994 Stock Incentive Plan

333-72788

Form S-8

1994 Stock Incentive Plan – 2001 Performance-Based Option Program

333-72820

Form S-8

1999 Non-Employee Directors Stock Incentive Plan

333-72822

Form S-8

1994 Stock Incentive Plan

333-76726

Form S-8

1994 Stock Incentive Plan – 2001 Performance-Based Option Program

333-97123

Form S-8

2002 Non-Executive Officer Stock Incentive Plan

333-97127

Form S-8

Associate Savings Plan as Amended and Restated

333-100488

Form S-8

2002 Associate Stock Purchase Plan

333-117920

Form S-8

2004 Stock Incentive Plan

333-124428

Form S-8

Plans of Hibernia Corporation

333-136281

Form S-8

2004 Stock Incentive Plan

333-133665

Form S-8

Plans of North Fork Bancorporation

333-151325

Form S-8

Amended and Restated Associate Stock Purchase Plan

333-158664

Form S-8

Second Amended and Restated 2004 Stock Incentive Plan

333-181736

Form S-8

Amended and Restated 2002 Associate Stock Purchase Plan

333-193683

Form S-8

Associate Savings Plan as Amended and Restated

333-195677

Form S-8

Third Amended and Restated 2004 Stock Incentive Plan

333–219570

Form S-8

Amended and Restated 2002 Associate Stock Purchase Plan

333-232907

Form S-8

Associate Savings Plan as Amended and Restated

333-277813

Form S-3

Senior Debt Securities, Subordinated Debt Securities, Preferred Stock, Depositary Shares, Common Stock, Purchase Contracts, Warrants, Units

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333-256072

Form S-8

Sixth Amended and Restated 2004 Stock Incentive Plan

333-256073

Form S-8

Associate Savings Plan as Amended and Restated

333-272146

Form S-8

Seventh Amended and Restated 2004 Stock Incentive Plan

333-279208

Form S-8

Amended and Restated 2002 Associate Stock Purchase Plan

333-278812

Form S-4

Registration of Securities, Business Combinations

/s/ Ernst & Young LLP
Tysons, Virginia
February 20, 2025