{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-23-000156","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2023-04-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.899896+00:00","generated_at":"2026-06-16T11:00:20.466616+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Capital One Q1 net income $960M ($2.31 EPS), down 60% YoY","bullets":["Net income $960M ($2.31 diluted EPS), down from $1.2B ($3.03) in Q4 2022 and $2.4B ($5.62) in Q1 2022.","Total net revenue $8.9B (down 2% QoQ), non-interest expense $4.9B, pre-provision earnings flat at $4.0B.","Provision for credit losses $2.8B, including net charge-offs $1.7B and reserve build $1.1B.","CET1 ratio 12.5%; total deposits $349.8B (up $16.8B or 5% from Q4 2022); period-end loans $308.8B.","Net interest margin 6.60% (down 24 bps QoQ); efficiency ratio 55.54%."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-23-000156","json":"https://secwatch.observer/filing/0000927628-23-000156.json","markdown":"https://secwatch.observer/filing/0000927628-23-000156.md","text":"https://secwatch.observer/filing/0000927628-23-000156.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762823000156/0000927628-23-000156-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762823000156/cof-20230427.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T11:00:20.466616+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":"0e7df11ef716d98fef0d65a794f1a9ec6d3fedb1","claim":"CAPITAL ONE FINANCIAL CORP reported the first quarter ended March 31, 2023 results: net income $960 million, EPS $2.31 per diluted common share.","evidence_excerpt":"Capital One Reports First Quarter 2023 Net Income of $960 million, or $2.31 per share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/927628/000092762823000156/0000927628-23-000156-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter ended March 31, 2023"},{"label":"Net income","value":"$960 million"},{"label":"EPS","value":"$2.31 per diluted common 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"}