---
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"
generated_at: "2026-06-20T11:25:10.913200+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Capital One Q4 net income $1.2B (EPS $3.03, adjusted $2.82); revenue $9.0B, up 3% QoQ

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-23-000014
- JSON: https://secwatch.observer/filing/0000927628-23-000014.json
- Plain text: https://secwatch.observer/filing/0000927628-23-000014.txt

## Key facts
- Earnings Releases
  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.
  - Period: the fourth quarter ended December 31, 2022
  - Revenue: $9.0 billion
  - Net income: $1.2 billion
  - EPS: $3.03 per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/927628/000092762823000014/0000927628-23-000014-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.