---
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"
generated_at: "2026-05-18T04:53:20.366324+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Capital One Q2 net loss $4.3B ($8.58/sh) on Discover acquisition charges; adjusted EPS $5.48

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/927628/000092762825000240/0000927628-25-000240-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000092762825000240/cof-20250722.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000240
- JSON: https://secwatch.observer/filing/0000927628-25-000240.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000240.txt

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