{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-25-000240","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.726396+00:00","generated_at":"2026-05-18T04:53:20.366324+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Capital One Q2 net loss $4.3B ($8.58/sh) on Discover acquisition charges; adjusted EPS $5.48","bullets":["GAAP net loss of $4.3B vs Q1 net income of $1.4B; adjusted net income of $5.48 per diluted share.","Total revenue $12.5B (+25% QoQ); net interest margin 7.62% (adjusted 7.68%).","Provision for credit losses $11.4B, including $7.9B loan reserve build tied to Discover non-PCD loans.","Completed Discover acquisition May 18; period-end loans $439.3B, deposits $468.1B.","CEO says integration progressing well; CET1 ratio 14.0% under Basel III Standardized."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-25-000240","json":"https://secwatch.observer/filing/0000927628-25-000240.json","markdown":"https://secwatch.observer/filing/0000927628-25-000240.md","text":"https://secwatch.observer/filing/0000927628-25-000240.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000240/0000927628-25-000240-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000240/cof-20250722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:53:20.366324+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}