{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-23-000014","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2023-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.624487+00:00","generated_at":"2026-06-20T11:25:10.913200+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Capital One Q4 net income $1.2B (EPS $3.03, adjusted $2.82); revenue $9.0B, up 3% QoQ","bullets":["Net income $1.2B ($3.03 diluted EPS); adjusted net income $2.82/sh; down from $5.41 in Q4 2021.","Total net revenue $9.0B, up 3% from Q3 2022; full-year revenue $34.3B, up 13%.","Provision for credit losses $2.4B, up $747M from Q3; net charge-offs $1.4B; loan reserve build $1.0B.","Period-end loans $312.3B, up 3% from Q3; deposits $333.0B, up 5%; CET1 ratio 12.5%.","Marketing expense up 14% in Q4 and 40% for the full year 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-23-000014","json":"https://secwatch.observer/filing/0000927628-23-000014.json","markdown":"https://secwatch.observer/filing/0000927628-23-000014.md","text":"https://secwatch.observer/filing/0000927628-23-000014.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762823000014/0000927628-23-000014-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762823000014/cof-20230124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T11:25:10.913200+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"7c91cec2b30a13a60c77ed4e01a841e784ee85ad","claim":"CAPITAL ONE FINANCIAL CORP reported the fourth quarter ended December 31, 2022 results: revenue $9.0 billion, net income $1.2 billion, EPS $3.03 per share.","evidence_excerpt":"fourth quarter of 2022 compared with the third quarter of 2022 unless otherwise noted. Fourth Quarter 2022 Income Statement Summary: • Total net revenue increased 3 percent to $9.0 billion. • Total non-interest expense increased 3 percent to $5.1 billion: ◦ 14 percent increase in marketing. ◦ less than 1 percent decrease in operating expenses. (1) This is a","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/927628/000092762823000014/0000927628-23-000014-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter ended December 31, 2022"},{"label":"Revenue","value":"$9.0 billion"},{"label":"Net income","value":"$1.2 billion"},{"label":"EPS","value":"$3.03 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}