---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-019444"
form_type: "8-K"
ticker: "COF"
cik: "0000927628"
company_name: "CAPITAL ONE FINANCIAL CORP"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T09:12:10.177351+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

# Capital One Q4 net income $2.1B ($3.86 adj EPS); acquires Brex for $5.15B

## Summary
- Q4 2025 GAAP net income $2.1B ($3.26 EPS), down from Q3 2025 $3.2B ($4.83 EPS); adjusted EPS $3.86.
- Definitive agreement to acquire Brex Inc. for $5.15B (50% cash, 50% stock).
- Total net revenue $15.6B (+1% QoQ); provision for credit losses $4.1B, up $1.4B QoQ.
- Non-interest expense $9.3B (+13% QoQ) driven by 38% marketing increase and 8% operating expense rise.
- CET1 ratio 14.3%; period-end loans $453.6B, deposits $475.8B; NIM 8.26%.

## SEC filing metadata
- accession: 0001193125-26-019444
- form_type: 8-K
- ticker: COF
- cik: 0000927628
- company_name: CAPITAL ONE FINANCIAL CORP
- filed_at: 2026-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/927628/000119312526019444/0001193125-26-019444-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000119312526019444/d45426d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-019444
- JSON: https://secwatch.observer/filing/0001193125-26-019444.json
- Plain text: https://secwatch.observer/filing/0001193125-26-019444.txt

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