---
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"
generated_at: "2026-10-20T20:07:13.257365+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Capital One Q3 2026 net income $3.5B, EPS $5.61; adjusted EPS $6.69

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-26-000142
- JSON: https://secwatch.observer/filing/0000927628-26-000142.json
- Plain text: https://secwatch.observer/filing/0000927628-26-000142.txt

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