---
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"
generated_at: "2026-06-09T09:29:56.606518+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Capital One Q3 net income $1.8B ($4.45 EPS), revenue $9.4B up 4% QoQ

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-23-000284
- JSON: https://secwatch.observer/filing/0000927628-23-000284.json
- Plain text: https://secwatch.observer/filing/0000927628-23-000284.txt

## Key facts
- Earnings Releases
  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.
  - Period: third quarter ended September 30, 2023
  - Revenue: $9.4 billion
  - Net income: $1.8 billion
  - EPS: $4.45 per diluted common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/927628/000092762823000284/0000927628-23-000284-index.htm

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