secwatch.observer — SEC 8-K summary
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Issuer:     CAPITAL ONE FINANCIAL CORP (COF)
CIK:        0000927628
Form:       8-K
Filed at:   2025-07-22T23:59:59+00:00
Accession:  0000927628-25-000240
Event type: earnings
Sentiment:  neutral
Materiality: 0.85
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/927628/000092762825000240/0000927628-25-000240-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/927628/000092762825000240/cof-20250722.htm
  HTML page:      https://secwatch.observer/filing/0000927628-25-000240

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer