---
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"
generated_at: "2026-07-21T20:07:17.791112+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Capital One Q2 2026 net income $3.0B, EPS $4.73; adjusted EPS $5.81

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-26-000083
- JSON: https://secwatch.observer/filing/0000927628-26-000083.json
- Plain text: https://secwatch.observer/filing/0000927628-26-000083.txt

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