---
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"
generated_at: "2026-05-17T03:10:21.097582+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Capital One Q3 net income $3.2B ($4.83 EPS), beats; authorizes $16B share buyback

## Summary
- 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'.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000267
- JSON: https://secwatch.observer/filing/0000927628-25-000267.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000267.txt

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