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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Operating activities:      
Income (loss) from continuing operations, net of tax $ 2,088 $ 4,747 $ 4,887
Income from discontinued operations, net of tax 365 3 0
Net income 2,453 4,750 4,887
Adjustments to reconcile net income to net cash from operating activities:      
Provision for credit losses 20,655 11,716 10,426
Depreciation and amortization, net 5,260 3,237 3,226
Deferred tax benefit (1,907) (853) (723)
Net securities losses 0 35 34
Loss on sales of loans 3 29 6
Gain on sale of discontinued operations 483 0 0
Stock-based compensation expense 776 569 513
Other fair value adjustments 111 65 51
Loans held for sale:      
Originations and purchases (5,741) (3,688) (4,602)
Proceeds from sales and paydowns 5,231 3,870 4,432
Changes in operating assets and liabilities:      
Changes in interest receivable (34) (54) (359)
Changes in other assets (610) (426) 716
Changes in interest payable (169) 17 122
Changes in other liabilities 2,089 (1,104) 1,846
Net change from discontinued operations 84 (4) 0
Net cash from operating activities 27,718 18,159 20,575
Securities available for sale:      
Purchases (18,162) (17,183) (10,446)
Proceeds from paydowns and maturities 17,905 11,849 8,841
Proceeds from sales 1 175 290
Proceeds from sales of securities related to the Transaction 9,696 0 0
Net changes in loans originated as held for investment (36,815) (21,431) (17,822)
Principal recoveries of loans previously charged off 5,064 3,001 2,288
Changes in premises and equipment (1,578) (1,204) (961)
Net cash received (paid) in acquisitions 16,465 0 (2,785)
Proceeds from divestiture of business 8,800 0 0
Net cash used in other investing activities (1,820) (1,617) (1,325)
Net cash used in investing activities (444) (26,410) (21,920)
Financing activities:      
Changes in deposits 5,931 14,156 15,172
Issuance of securitized debt obligations 3,535 1,805 3,292
Maturities and paydowns of securitized debt obligations (10,934) (5,828) (2,483)
Issuance of senior and subordinated notes and long-term FHLB advances 4,979 3,985 8,218
Maturities and paydowns of senior and subordinated notes (6,922) (4,411) (8,436)
Changes in other borrowings 517 27 (351)
Common stock:      
Net proceeds from issuances 400 323 299
Dividends paid (1,516) (932) (931)
Preferred stock:      
Net proceeds from issuances 0 0 0
Dividends paid (252) (228) (228)
Redemptions (500) 0 0
Purchases of treasury stock (4,099) (734) (718)
Proceeds from share-based payment activities 9 4 10
Net cash from (used in) financing activities (8,852) 8,167 13,844
Changes in cash, cash equivalents and restricted cash for securitization investors 18,422 (84) 12,499
Cash, cash equivalents and restricted cash for securitization investors, beginning of the period 43,671 43,755 31,256
Cash, cash equivalents and restricted cash for securitization investors, end of the period 62,093 43,671 43,755
Supplemental cash flow information:      
Interest paid 14,886 13,201 10,823
U.S. federal 358 700 800
Domestic state and local: 382 364 480
Foreign 66 41 75
Income taxes paid 806 1,105 1,355
Purchased tax credits 256 191 42
Reissuance of treasury stock, issuance of preferred stock and stock-based compensation awards related to the Transaction 51,790 0 0
CALIFORNIA      
Supplemental cash flow information:      
Domestic state and local: 95 40 45
NEW YORK      
Supplemental cash flow information:      
Domestic state and local: 55 57 77
State and Local Tax Jurisdiction, Other      
Supplemental cash flow information:      
Domestic state and local: $ 232 $ 267 $ 358