Every 8-K that Capital One Financial (COF) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow COF and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full COF filings page.
Capital One Financial Corporation (COF) reports a charter change related to a preferred stock series. On September 1, 2026, the company filed a Certificate of Elimination in Delaware to remove from its Restated Certificate of Incorporation all matters relating to its Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M.
All outstanding shares of the Series M Preferred Stock were redeemed on September 1, 2026 in accordance with their Certificate of Designations, and the related Certificate of Elimination is attached as an exhibit and incorporated by reference.
CAPITAL ONE FINANCIAL CORP (symbol: COF) is the issuer of record for a Form 8-K filing submitted to the SEC.
Capital One Financial Corporation furnished monthly charge-off and delinquency metrics as of and for the month ended July 31, 2026. The disclosure covers loans held for investment in the Domestic Credit Card and Auto portfolios.
Domestic credit card loans averaged about $256.7 billion and ended the period at about $258.9 billion, with net charge-offs of $881 million, a 4.12% net charge-off rate, and $9.0 billion of 30+ day performing delinquencies, a 3.48% rate; nonperforming loans are not applicable for this category. Auto loans averaged about $89.9 billion and ended at about $90.5 billion, with net charge-offs of $111 million (a 1.48% net charge-off rate), 30+ day performing delinquencies of $4.0 billion (a 4.39% rate), and nonperforming loans of $571 million, a 0.63% nonperforming loan rate.
Capital One Financial Corporation furnished monthly credit quality metrics for loans held for investment as of and for the month ended June 30, 2026. The disclosure covers domestic credit card and consumer banking auto portfolios, including net charge-offs, 30+ day performing delinquencies, and nonperforming loans.
Domestic credit card average loans held for investment were $256,201 million, with net charge-offs of $934 million and a net charge-off rate of 4.37%. Thirty-plus day performing delinquencies in this portfolio totaled $8,770 million, a 3.39% delinquency rate. Consumer banking auto average loans were $88,676 million, with $122 million of net charge-offs and a 1.65% net charge-off rate. Thirty-plus day performing delinquencies in auto loans were $3,862 million, a 4.32% rate, and nonperforming auto loans were $546 million, a 0.61% nonperforming loan rate.
Capital One Financial Corporation reported second-quarter 2026 net income of $3.0 billion, or $4.73 per diluted share, up from $2.2 billion, or $3.34, in the prior quarter and reversing a $4.3 billion loss a year earlier. Adjusted diluted EPS was $5.81.
Total net revenue grew 4% sequentially to $15.9 billion, driven by higher net interest income and 13% growth in non-interest income. Non-interest expense rose 7% to $9.0 billion, including higher marketing and integration costs, leaving pre-provision earnings at $6.8 billion. The provision for credit losses fell to $3.0 billion, $1.1 billion lower than Q1, with net charge-offs of $3.6 billion and a $662 million reserve release; the net charge-off rate edged down to 3.23%.
Loans held for investment increased 2% in the quarter to $457.2 billion, led by growth in domestic card and auto, while total deposits were $484.3 billion and average deposit costs declined to 2.91%. The Basel III Standardized CET1 capital ratio was 13.7%. Management highlighted “solid top line growth and strong credit performance” and reported that integration of Discover and the newly acquired Brex business is progressing well.
Capital One Financial Corporation filed an 8-K to provide legal exhibits tied to a new resale prospectus supplement. The Resale Prospectus Supplement No. 2 registers the offer and sale of an additional 39,843 shares of Capital One common stock. Including these, selling security holders may offer and sell up to 10,385,749 shares, which were issued to them as consideration in Capital One’s acquisition of Brex Inc., closed on April 7, 2026.
Capital One Financial Corporation filed a current report stating it will present at the Morgan Stanley US Financials conference in New York. The presentation is scheduled for June 9, 2026 at 2:30 p.m. ET and will be accessible via a live audio webcast on the company’s Investor Center. A replay of the presentation will remain available on the website through at least June 22, 2026, allowing investors and analysts to review management’s remarks after the event.
Capital One Financial Corporation furnished its monthly credit-quality metrics for the month ended April 30, 2026. The report covers loans held for investment in key portfolios and highlights net charge-offs, delinquencies, and nonperforming loans.
For domestic credit cards, average loans held for investment were $253,124 million, with period-end balances of $255,320 million. Net charge-offs were $1,042 million, producing a net charge-off rate of 4.94%, while 30+ day performing delinquencies totaled $8,781 million, a 3.44% rate. Nonperforming loan data for this category is not applicable in this table.
In consumer banking auto loans, average loans held for investment were $86,246 million and period-end balances were $86,847 million. Net charge-offs were $86 million with a 1.20% net charge-off rate. 30+ day performing delinquencies were $3,488 million, a 4.02% rate, and nonperforming loans were $477 million, a 0.55% rate. The filing also explains that net charge-off and delinquency rates are calculated as ratios to average or period-end loans, and that billed finance charges and fees are included in card loan balances.
Capital One Financial Corporation held its 2026 annual stockholder meeting on May 8, 2026. As of the March 11, 2026 record date, 619,050,950 common shares were outstanding, and 556,421,571 shares were present to constitute a quorum.
Stockholders elected thirteen directors, including Richard D. Fairbank and Jennifer L. Wong, for terms expiring at the 2027 annual meeting. They approved, on an advisory basis, the Company’s 2025 named executive officer compensation and ratified Ernst & Young LLP as independent registered public accounting firm for 2026.
A shareholder proposal to require a shareholder vote on golden parachute arrangements did not receive majority support, with 30,601,072 votes for and 465,307,082 votes against, plus 1,340,755 abstentions and 59,172,662 broker non-votes.
Capital One Financial Corporation is facilitating a potential resale of shares it previously issued in a recent acquisition. The company filed an exhibit in connection with a Resale Prospectus Supplement that allows selling security holders to offer and sell up to 10,345,906 shares of Capital One common stock. These shares were issued to those holders as consideration for Capital One’s acquisition of Brex Inc., which closed on April 7, 2026, and are registered under the company’s automatic shelf registration statement on Form S-3.
Capital One Financial Corporation furnished monthly credit quality metrics for its loan portfolios as of and for the month ended March 31, 2026.
In the Domestic Credit Card portfolio, average loans held for investment were $250,871 million with period-end loans of $254,028 million$1,065 million, producing a net charge-off rate of 5.09%, while 30+ day performing delinquencies totaled $9,395 million for a delinquency rate of 3.70%.
In Consumer Banking Auto, average loans held for investment were $85,134 million and period-end loans were $85,700 million. Net charge-offs were $102 million, a 1.44% net charge-off rate. 30+ day performing delinquencies were $3,609 million, a 4.21% rate, and nonperforming loans were $475 million, a 0.55% nonperforming loan rate.
Capital One Financial Corporation reported solid first-quarter 2026 results driven by strong credit performance and Discover integration benefits. Net income was $2.2 billion, or $3.34 per diluted share, up from $2.1 billion, or $3.26 per share, in the prior quarter and $1.4 billion, or $3.45 per share, a year earlier. Adjusted diluted earnings per share were $4.42.
Total net revenue was $15.2 billion, down 2% from the prior quarter, while non-interest expense fell 9% to $8.5 billion, lifting pre-provision earnings to $6.8 billion, an 8% increase. The provision for credit losses was $4.1 billion, with net charge-offs of $3.8 billion and a $230 million reserve build, reflecting elevated but stable credit costs.
The net interest margin was 7.87%, down 39 basis points sequentially, and the efficiency ratio improved to 55.57% (adjusted 49.71%). Loans held for investment ended the quarter at $447.8 billion, slightly lower than the prior quarter, while total deposits rose 3% to $489.1 billion. The Common Equity Tier 1 capital ratio under the Basel III Standardized Approach was a strong 14.4%, supported by tangible book value per share of $107.76. Management highlighted "solid top line growth," "strong credit performance" and continued momentum from the "game-changing" Discover acquisition.
Capital One Financial Corporation completed its previously announced acquisition of Brex Inc. on April 7, 2026. Under the merger agreement, Capital One acquired all outstanding Brex equity for approximately $2.56 billion in cash plus 10,646,306 shares of Capital One common stock, with the cash amount subject to customary post-closing adjustments.
The company issued the stock portion of the consideration under a private placement exemption from registration relying on Section 4(a)(2) of the Securities Act. On the same date, the board approved a special award to executive Frank LaPrade of 11,041 restricted stock units, with a grant-date value of about $2.0 million, vesting in three equal annual installments and settling entirely in Capital One common stock.
Capital One Financial Corporation furnished updated credit quality metrics for the month ended February 28, 2026. In its domestic credit card portfolio, average loans held for investment were 253,811 (dollars in millions), with net charge-offs of 1,094 and a net charge-off rate of 5.17%. Thirty-plus day performing delinquencies in this portfolio totaled 10,005, for a delinquency rate of 3.96%.
In consumer banking auto loans, average loans held for investment were 84,462 (dollars in millions), with net charge-offs of 108 and a net charge-off rate of 1.54%. Thirty-plus day performing delinquencies in auto were 3,449, a 4.08% delinquency rate, and nonperforming auto loans were 504, representing a nonperforming loan rate of 0.60%.
Capital One Financial Corporation released monthly credit quality metrics for the period ended January 31, 2026. In its domestic credit card portfolio, average loans held for investment were $257,404 million, with net charge-offs of $1,082 million, yielding a 5.04% net charge-off rate. Thirty‑plus day performing delinquencies in this portfolio totaled $10,402 million, a 4.04% delinquency rate.
In consumer banking auto loans, average loans held for investment were $83,965 million and period‑end loans were $84,134 million. Auto net charge-offs were $136 million, a 1.94% net charge-off rate. Thirty‑plus day performing auto delinquencies were $4,003 million, a 4.76% rate, and nonperforming auto loans were $531 million, a 0.63% nonperforming loan rate.
Capital One Financial Corporation filed a current report to share that it will present at the UBS Financial Services Conference 2026 in Miami, Florida. The presentation is scheduled for February 10, 2026, at 2:40 p.m. Eastern Time.
A live audio webcast of the presentation will be accessible through Capital One’s website by visiting the Investor Center under the “Investors” section. The company plans to keep a replay of the presentation available on its site through at least February 24, 2026.
Capital One Financial Corporation detailed 2025 pay decisions and 2026 plans for its chief executive and other named executive officers. For 2025, CEO Richard Fairbank’s total pay package was set at $40 million, mostly in performance-based and deferred awards rather than salary.
The package includes performance share awards tied to growth in tangible book value, adjusted return on tangible common equity, and relative total shareholder return over 2026–2028, a $6.7 million deferred cash bonus, and additional RSUs that vest and settle in 2029. The company also adopted a cash severance policy capping new cash severance above 2.99 times salary plus target bonus without shareholder ratification, a change-of-control severance plan for senior leaders, and an amended executive severance plan defining benefits after involuntary terminations.
Capital One Financial Corporation closed a public debt offering consisting of two senior note issues. The company issued $1,500,000,000 of 4.722% Fixed-to-Floating Rate Senior Notes due 2032 and $1,500,000,000 of 5.399% Fixed-to-Floating Rate Senior Notes due 2037 under an existing senior indenture. The notes were sold pursuant to an underwriting agreement with a syndicate led by major investment banks and were registered on an effective Form S-3 shelf registration statement.
Capital One Financial Corporation has agreed to acquire Brex Inc. under an Agreement and Plan of Merger and Reorganization. The deal values Brex at an aggregate consideration of $5,150,000,000, consisting of approximately $2.75 billion in cash and approximately 10.6 million shares of Capital One common stock. The transaction is subject to customary closing conditions, including required regulatory approvals, so it is not yet complete.
The Capital One shares to be issued in the transaction are intended to be exempt from registration under the Securities Act by relying on Section 4(a)(2). Capital One and Brex issued a joint press release announcing the signing of the merger agreement, which is included as an exhibit. The filing also includes standard cautionary language that forward-looking statements about the expected benefits of the deal are subject to risks, including that those benefits may not be fully realized.
Capital One Financial Corporation furnished an update on its credit performance for the most recent month. Through this current report, the company is providing investors with its Monthly Charge-Off and Delinquency Metrics for its lending portfolios as of and for the month ended December 31, 2025. This information is included as Exhibit 99.1 under a Regulation FD disclosure, meaning it is being shared publicly to keep all investors equally informed.
The filing does not change any securities or corporate structure; it simply makes detailed credit quality data available in a supplemental exhibit for those tracking Capital One’s charge-off and delinquency trends.
Capital One Financial Corporation filed a current report announcing that it released its financial results for the fourth quarter ended December 31, 2025. The company furnished a press release and a detailed financial supplement as exhibits, which include its earnings information and related non-GAAP reconciliations.
Capital One also scheduled an earnings conference call and live webcast on January 22, 2026 at 5:00 PM Eastern Time, accessible through its Investor Center on the corporate website. A replay of the webcast will remain available on the site until February 5, 2026 at 5:00 PM Eastern Time, allowing investors and analysts additional time to review management’s discussion of the quarterly performance.
Capital One Financial Corporation filed a current report to furnish its "Monthly Charge-Off and Delinquency Metrics - As of and for the month ended November 30, 2025" as Exhibit 99.1. This information is provided as a Regulation FD disclosure so that the same metrics are available to the broader market. The detailed figures themselves are contained in the exhibit, while the main report outlines the disclosure and related exhibits.
Capital One Financial Corporation filed a current report announcing it will present at the Goldman Sachs 2025 U.S. Financial Services Conference in New York. The presentation is scheduled for Tuesday, December 9, 2025, at 2:20 p.m. EST. A live audio webcast will be accessible through the company’s website by navigating to the Investor Center under the “Investors” section. The replay of the presentation will remain available on the site through at least December 22, 2025, allowing interested listeners additional time to review management’s remarks.
Capital One Financial Corporation filed a Form 8-K to furnish its Monthly Charge-Off and Delinquency Metrics for its credit portfolios as of and for the month ended October 31, 2025. The information is provided under Regulation FD as Exhibit 99.1, giving the market updated data on credit losses and past-due loan trends for that period.
Capital One Financial Corporation disclosed a special cash award to a senior executive. On November 3, 2025, the Compensation Committee and the independent members of the Board approved a $2,000,000 cash award for Matthew Cooper, the Company’s President, Discover Integration, General Counsel and Secretary.
The award was granted in recognition of his expanded role and his exceptional performance and contributions during the year. The filing also lists Exhibit 104 for the Inline XBRL-formatted cover page.
Capital One Financial Corporation furnished a Regulation FD disclosure, providing its Monthly Charge-Off and Delinquency Metrics as of and for the month ended September 30, 2025. The information is contained in Exhibit 99.1 to the current report on Form 8-K.
The filing notes the exhibit includes credit performance metrics for the period referenced. The report was signed by Timothy P. Golden, Chief Accounting Officer.
Capital One Financial Corporation announced two items. First, the company issued a press release with financial results for the quarter ended September 30, 2025, and provided a financial supplement and presentation. The company will host an earnings call on October 21, 2025 at 5:00 PM Eastern Time, with a replay available on its website through November 4, 2025 at 5:00 PM Eastern Time.
Second, the Board authorized the repurchase of up to $16 billion of common stock. This new authorization replaces the prior program approved on April 1, 2022 and is authorized to begin on October 21, 2025. Repurchases may occur via open market or privately negotiated transactions, including Rule 10b5-1 plans, and may be modified, suspended, or terminated at any time. The timing and amount of repurchases will depend on market conditions, growth opportunities, the company’s capital position and retained earnings, and regulatory considerations.
Capital One Financial Corporation completed a public debt offering of two new senior note series. The company issued $1.25 billion of 4.493% Fixed-to-Floating Rate Senior Notes due 2031 and $1.5 billion of 5.197% Fixed-to-Floating Rate Senior Notes due 2036, for total issuance of $2.75 billion in senior debt.
The notes were sold under an underwriting agreement dated September 8, 2025 with a syndicate led by Citigroup, Goldman Sachs, Morgan Stanley, RBC Capital Markets and Capital One Securities. They were issued under the company’s existing senior indenture and registered on an effective shelf registration statement on Form S-3.
Capital One Financial Corporation filed a current report to let investors know it will present at the Barclays 23rd Annual Global Financial Services Conference in New York. The presentation is scheduled for September 9, 2025, at 2:00 p.m. EST and will be accessible via a live audio webcast through the company’s Investor Center on its website. A replay of the webcast will remain available on the site through at least September 23, 2025, giving investors and analysts additional time to listen to management’s remarks.
Capital One Financial (NYSE:COF) filed an 8-K announcing the redemption of all outstanding shares of its 6.125% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series P. The redemption will occur on June 30, 2025, affecting all 500,000 outstanding Series P Depositary Shares at a redemption price of $1,000 per depositary share. The total redemption value amounts to $500 million. Shareholders will receive the redemption price plus accrued but undeclared dividends from March 23, 2025, to the redemption date.