[Form 4] Capital One Financial Insider Trading Activity

Rhea-AI Filing Summary

Capital One Financial Corp. (COF) insider Timothy P. Golden, SVP and Chief Accounting Officer, reported a sale of common stock on 08/12/2025. The Form 4 shows 3,462 shares sold at $210.28 per share, leaving reported beneficial ownership of 8,987 shares. The filing states the sale was executed pursuant to a Rule 10b5-1 trading plan established on May 13, 2025. The filing also notes additional shares were acquired through the company’s Associate Stock Purchase Plan since the last reported transaction.

Positive

• Transaction executed under a Rule 10b5-1 trading plan, which reduces concerns about trading on undisclosed material information
• Reporting person retains 8,987 shares after the sale, and the filing notes additional purchases via the Associate Stock Purchase Plan

Negative

• None.

Insights

Financial Analyst

TL;DR: A pre-arranged 10b5-1 sale of 3,462 COF shares at $210.28 appears routine and is likely neutral for valuation absent other signals.

The report documents a single non-derivative sale of 3,462 shares at $210.28, leaving beneficial ownership of 8,987 shares. Because the sale was executed under a Rule 10b5-1 plan entered on May 13, 2025, it reduces the likelihood the trade was based on undisclosed material information. From a financial-materiality perspective, the transaction size relative to total outstanding Capital One shares is not provided in the filing, so investor impact should be assessed in context of overall insider holdings and company market capitalization.

Corporate Governance Expert

TL;DR: Disclosure complies with Form 4 requirements; use of a 10b5-1 plan and POA signature indicate procedural conformity.

The filing identifies Timothy P. Golden as an officer (SVP, Chief Accounting Officer) and discloses the sale was made pursuant to a Rule 10b5-1 trading plan. The form is signed by a registered power of attorney, showing the reporting process followed delegated-signature procedures. The filing also discloses participation in the Associate Stock Purchase Plan since the last report, which clarifies recent increases in beneficial ownership. Overall governance disclosure in the Form 4 is complete for the transactions reported.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

X

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Golden Timothy P

(Last) (First) (Middle)

1680 CAPITAL ONE DRIVE

(Street)

MCLEAN VA 22102

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
CAPITAL ONE FINANCIAL CORP [ COF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SVP, Chief Accounting Officer

3. Date of Earliest Transaction (Month/Day/Year)
08/12/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock(1)	08/12/2025		S		3,462	D	$210.28	8,987(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. This transaction was executed pursuant to a trading plan entered into by the reporting person on May 13, 2025, in accordance with Rule 10b5-1 of the Securities Exchange Act of 1934, as amended.

2. Includes shares acquired by the reporting person through the Company's Associate Stock Purchase Plan since the last reported transaction.

Remarks:

	/s/ Blaise F. Brennan (POA on file)	08/13/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Capital One insider Timothy P. Golden report on Form 4 (COF)?

The Form 4 reports a sale of 3,462 common shares of COF at $210.28 per share, with 8,987 shares reported as beneficially owned following the transaction.

Was the sale by the COF executive part of a pre-established trading plan?

Yes. The filing states the sale was executed pursuant to a Rule 10b5-1 trading plan entered on May 13, 2025.

Does the Form 4 show any stock purchases by the reporting person since the last report?

Yes. The filing notes that the beneficial ownership figure includes shares acquired through the Company’s Associate Stock Purchase Plan since the last reported transaction.

What is Timothy P. Golden’s role at Capital One as listed on the Form 4?

The Form 4 lists the reporting person as an Officer, specifically SVP, Chief Accounting Officer.

Who signed the Form 4 filing on behalf of the reporting person?

The filing shows a power of attorney (POA) signature by Blaise F. Brennan on the form.