secwatch.observer — SEC 8-K summary
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Issuer:     CAPITAL ONE FINANCIAL CORP (COF)
CIK:        0000927628
Form:       8-K
Filed at:   2026-10-20T20:05:46+00:00
Accession:  0000927628-26-000142
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/927628/000092762826000142/0000927628-26-000142-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/927628/000092762826000142/cof-20261020.htm
  HTML page:      https://secwatch.observer/filing/0000927628-26-000142

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer