secwatch.observer — SEC 8-K summary
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Issuer:     CAPITAL ONE FINANCIAL CORP (COF)
CIK:        0000927628
Form:       8-K
Filed at:   2023-01-24T23:59:59+00:00
Accession:  0000927628-23-000014
Event type: earnings
Sentiment:  negative
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/927628/000092762823000014/0000927628-23-000014-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/927628/000092762823000014/cof-20230124.htm
  HTML page:      https://secwatch.observer/filing/0000927628-23-000014

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer