{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-26-000083","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2026-07-21T20:05:52+00:00","discovered_at":"2026-07-21T20:07:00.466893+00:00","generated_at":"2026-07-21T20:07:17.791112+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Capital One Q2 2026 net income $3.0B, EPS $4.73; adjusted EPS $5.81","bullets":["Net income $3.0B ($4.73 diluted EPS) vs $2.2B in Q1 2026 and net loss of $4.3B in Q2 2025.","Total net revenue $15.9B, up 4% QoQ; provision for credit losses decreased $1.1B to $3.0B.","Net interest margin 8.01%, up 14 bps; CET1 ratio 13.7% at June 30, 2026.","Period-end loans $457.2B, up $9.4B; deposits $484.3B, down $4.8B.","Adjusting items: acquisition amortization $494M, Discover integration $298M, Brex integration $96M."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-26-000083","json":"https://secwatch.observer/filing/0000927628-26-000083.json","markdown":"https://secwatch.observer/filing/0000927628-26-000083.md","text":"https://secwatch.observer/filing/0000927628-26-000083.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000083/0000927628-26-000083-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000083/cof-20260721.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-21T20:07:17.791112+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"}