{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-25-000267","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2025-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.646950+00:00","generated_at":"2026-05-17T03:10:21.097582+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Capital One Q3 net income $3.2B ($4.83 EPS), beats; authorizes $16B share buyback","bullets":["Net income $3.2B, diluted EPS $4.83; adjusted EPS $5.95; vs Q2 net loss $4.3B and Q3 2024 net income $1.8B.","Total net revenue $15.4B, up 23% sequentially; net interest margin 8.36% (adjusted 8.43%).","Provision for credit losses $2.7B (down $8.7B QoQ); net charge-offs $3.5B, loan reserve release $760M.","CET1 ratio 14.4% under Basel III Standardized; Board authorized up to $16B common stock repurchase starting Oct 21.","Discover integration expenses $348M pretax; intangible amortization $498M; integration 'continues to go well'."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-25-000267","json":"https://secwatch.observer/filing/0000927628-25-000267.json","markdown":"https://secwatch.observer/filing/0000927628-25-000267.md","text":"https://secwatch.observer/filing/0000927628-25-000267.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000267/0000927628-25-000267-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000267/cof-20251020.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:10:21.097582+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"}