---
schema_version: "secwatch.filing_event.v1"
accession: "0000927628-25-000130"
form_type: "8-K"
ticker: "COF"
cik: "0000927628"
company_name: "CAPITAL ONE FINANCIAL CORP"
filed_at: "2025-04-22T23:59:59+00:00"
generated_at: "2026-05-23T09:54:36.637241+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Capital One Q1 net income $1.4B, EPS $3.45; adjusted EPS $4.06; Discover acquisition approved, closing May 18

## Summary
- Net income $1.4B ($3.45 diluted EPS) vs $1.3B ($3.13) YoY; adjusted EPS $4.06 excludes $0.39 legal and $0.22 integration costs.
- Total net revenue $10.0B, down 2% QoQ; pre-provision earnings flat at $4.1B.
- Provision for credit losses $2.4B, down $273M QoQ; net charge-offs $2.7B; loan reserve release $368M.
- Regulatory approval received for Discover acquisition; closing expected May 18, 2025.
- Legal reserve activities $198M pre-tax; Discover integration expenses $110M pre-tax.

## SEC filing metadata
- accession: 0000927628-25-000130
- form_type: 8-K
- ticker: COF
- cik: 0000927628
- company_name: CAPITAL ONE FINANCIAL CORP
- filed_at: 2025-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/927628/000092762825000130/0000927628-25-000130-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000092762825000130/cof-20250422.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000130
- JSON: https://secwatch.observer/filing/0000927628-25-000130.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000130.txt

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