{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-23-000231","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2023-07-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.067340+00:00","generated_at":"2026-06-13T06:09:34.592430+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Capital One Q2 2023 net income $1.4B ($3.52 EPS), revenue $9.0B, card loans up 4%","bullets":["Net income $1.4B, diluted EPS $3.52, vs Q1 2023 $960M ($2.31) and Q2 2022 $2.0B ($4.96).","Total net revenue $9.0B (+1% QoQ); non-interest expense $4.8B (-3% QoQ).","Provision for credit losses $2.5B (-$305M QoQ); net charge-offs $2.2B, loan reserve build $318M.","Period-end loans $311.3B (+1%); Domestic Card loans $136.0B (+4%); average deposits $343.7B.","CET1 ratio 12.7%; NIM 6.48% (-12bps); efficiency ratio 53.2%."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-23-000231","json":"https://secwatch.observer/filing/0000927628-23-000231.json","markdown":"https://secwatch.observer/filing/0000927628-23-000231.md","text":"https://secwatch.observer/filing/0000927628-23-000231.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762823000231/0000927628-23-000231-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762823000231/cof-20230720.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T06:09:34.592430+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":"6579e961272bb6337f624110a27a8dddd8e48ae8","claim":"CAPITAL ONE FINANCIAL CORP reported the second quarter ended June 30, 2023 results: revenue $9.0 billion, net income $1.4 billion, EPS $3.52 per diluted common share.","evidence_excerpt":"second quarter of 2023 compared with the first quarter of 2023 unless otherwise noted. Second Quarter 2023 Income Statement Summary: • Total net revenue increased 1 percent to $9.0 billion. • Total non-interest expense decreased 3 percent to $4.8 billion: ◦ 1 percent decrease in marketing. ◦ 3 percent decrease in operating expenses. • Pre-provision earnings (1)","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/927628/000092762823000231/0000927628-23-000231-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter ended June 30, 2023"},{"label":"Revenue","value":"$9.0 billion"},{"label":"Net income","value":"$1.4 billion"},{"label":"EPS","value":"$3.52 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"}