{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-26-000142","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2026-10-20T20:05:46+00:00","discovered_at":"2026-10-20T20:07:00.250641+00:00","generated_at":"2026-10-20T20:07:13.257365+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Capital One Q3 2026 net income $3.5B, EPS $5.61; adjusted EPS $6.69","bullets":["Q3 2026 net income $3.5B, or $5.61/diluted share, vs $3.0B/$4.73 in Q2 2026 and $3.2B/$4.83 in Q3 2025; adjusted EPS $6.69.","Total net revenue rose 3% QoQ to $16.3B; pre-provision earnings up 10% to $7.5B; non-interest expense down 2% to $8.9B.","Provision for credit losses $2.9B, down $73M QoQ, including $3.1B net charge-offs and $225M loan reserve release; NIM 8.41%, up 40 bps.","Adjusting items: $483M acquisition amortization ($0.60 EPS), $338M Discover integration ($0.42), $47M Brex integration ($0.06).","Period-end loans $462.5B, up $5.4B QoQ; deposits $480.7B, down $3.6B; CET1 ratio 13.8%; CEO cites Discover integration synergies."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-26-000142","json":"https://secwatch.observer/filing/0000927628-26-000142.json","markdown":"https://secwatch.observer/filing/0000927628-26-000142.md","text":"https://secwatch.observer/filing/0000927628-26-000142.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000142/0000927628-26-000142-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000142/cof-20261020.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-20T20:07:13.257365+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"}