{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-23-000284","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.439828+00:00","generated_at":"2026-06-09T09:29:56.606518+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Capital One Q3 net income $1.8B ($4.45 EPS), revenue $9.4B up 4% QoQ","bullets":["Net income $1.8B ($4.45 diluted EPS) vs $1.4B ($3.52) in Q2 2023 and $1.7B ($4.20) in Q3 2022.","Total net revenue $9.4B, up 4% sequentially; net interest margin 6.69%, up 21 bps.","Provision for credit losses $2.3B, down $206M QoQ; net charge-offs $2.0B; loan reserve build $322M.","Period-end loans held for investment $314.8B (+1%); credit card loans $146.8B (+3%); deposits $346.0B (+$2.3B).","Common equity Tier 1 capital ratio 13.0% under Basel III Standardized Approach."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-23-000284","json":"https://secwatch.observer/filing/0000927628-23-000284.json","markdown":"https://secwatch.observer/filing/0000927628-23-000284.md","text":"https://secwatch.observer/filing/0000927628-23-000284.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762823000284/0000927628-23-000284-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762823000284/cof-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T09:29:56.606518+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":"7b67efdc17da6f9deb089f7e7cdda955e2db9f63","claim":"CAPITAL ONE FINANCIAL CORP reported third quarter ended September 30, 2023 results: revenue $9.4 billion, net income $1.8 billion, EPS $4.45 per diluted common share.","evidence_excerpt":"third quarter of 2023 compared with the second quarter of 2023 unless otherwise noted. Third Quarter 2023 Income Statement Summary: • Total net revenue increased 4 percent to $9.4 billion. • Total non-interest expense increased 1 percent to $4.9 billion: ◦ 10 percent increase in marketing. ◦ 1 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/927628/000092762823000284/0000927628-23-000284-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2023"},{"label":"Revenue","value":"$9.4 billion"},{"label":"Net income","value":"$1.8 billion"},{"label":"EPS","value":"$4.45 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"}