---
schema_version: "secwatch.filing_event.v1"
accession: "0000927628-24-000008"
form_type: "8-K"
ticker: "COF"
cik: "0000927628"
company_name: "CAPITAL ONE FINANCIAL CORP"
filed_at: "2024-01-25T23:59:59+00:00"
generated_at: "2026-06-06T18:54:41.592937+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Capital One Q4 net income $706M ($1.67 EPS); adjusted EPS $2.24; revenue $9.5B

## Summary
- Net income of $706M ($1.67 diluted EPS) vs Q3 $1.8B ($4.45) and Q4 2022 $1.2B ($3.03).
- Adjusted net income $2.24 per share; FDIC special assessment of $289M pre-tax ($0.57 EPS).
- Total net revenue up 1% QoQ to $9.5B; pre-provision earnings down 16% to $3.8B.
- Provision for credit losses rose $573M to $2.9B; net charge-offs $2.5B; loan reserve build $326M.
- Period-end loans $320.5B; CET1 ratio 12.9%; period-end deposits $348.4B.

## SEC filing metadata
- accession: 0000927628-24-000008
- form_type: 8-K
- ticker: COF
- cik: 0000927628
- company_name: CAPITAL ONE FINANCIAL CORP
- filed_at: 2024-01-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/927628/000092762824000008/0000927628-24-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000092762824000008/cof-20240125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-24-000008
- JSON: https://secwatch.observer/filing/0000927628-24-000008.json
- Plain text: https://secwatch.observer/filing/0000927628-24-000008.txt

## Key facts
- Earnings Releases
  CAPITAL ONE FINANCIAL CORP reported the fourth quarter ended December 31, 2023 results: revenue $9.5 billion, net income $706 million, EPS $1.67 per diluted common share.
  - Period: the fourth quarter ended December 31, 2023
  - Revenue: $9.5 billion
  - Net income: $706 million
  - EPS: $1.67 per diluted common share
  - Result: reported results
  source text: fourth quarter of 2023 compared with the third quarter of 2023 unless otherwise noted. Fourth Quarter 2023 Income Statement Summary: • Total net revenue increased 1 percent to $9.5 billion. • Total non-interest expense increased 18 percent to $5.7 billion: ◦ 29 percent increase in marketing. ◦ 15 percent increase in operating expenses. • Pre-provision earnings (2)
  evidence_url: https://www.sec.gov/Archives/edgar/data/927628/000092762824000008/0000927628-24-000008-index.htm

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