COF at a glance
Capital One (COF, SEC CIK 927628) filed its latest 10-K annual report on February 19, 2026, a 10-Q quarterly report on July 28, 2026, an 8-K current report on September 15, 2026 and Form 4 insider filings as recently as September 16, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Capital One (COF) reported revenue of $8.1 billion (up 36.3% from FY2024) and net income of $2.5 billion. Diluted EPS was $4.03.
- As of June 30, 2026, 63 institutional investment managers tracked by SignalX reported holding Capital One (COF) shares worth $51.8 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Karam Celia on September 15, 2026 of 2,017 shares at $206.07 per share.
- In the last 90 days, COF insiders reported 0 open-market purchases ($0) and 17 open-market sales ($7.9M) on Form 4, a net sale of $7.9M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $8.1B
- +36.3% vs prior year
- Insiders · 90 days
- 0 buys · 17 sells
- Net −$7.9M
- 13F holders
- 63 funds
- $51.8B · +3 vs prior quarter
- Latest 8-K
- Sep 15, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Management Discussion & Analysis
- Combined pro forma revenue: net interest income $48.9B vs $45.5B, non-interest income $11.5B vs $10.9B for 2025 vs 2024
- Pro forma income from continuing operations $10.2B in 2025 vs $1.7B in 2024, reflecting credit loss provisions on acquired loans
- Best performing segment: Credit Card with $279.6B loans outstanding; worst: Commercial Banking with $89.3B loans and higher delinquency
- Integration expenses $1.1B in 2025 vs $234M in 2024, acquisition-related expenses $124M, total transaction cost $51.8B including $13.4B goodwill
- Capital allocation includes Discover Home Loan sale for $8.8B cash, generating $483M gain; no direct dividend or buyback data disclosed
- Management notes uncertainties in fair value estimates, integration costs, and credit loss provisions as key transaction risks and outlook factors
Risk Factors
- Regulatory risk: potential impact from Moody’s, Fitch stable ratings and S&P positive outlook on senior unsecured long-term debt
- Macroeconomic threat: unfunded lending commitments increased to $729.6B in 2025 from $458.1B in 2024, stressing liquidity
- Operational risk: large exposure to credit card and loan commitments in Commercial and Consumer Banking segments
- Financial risk: reliance on capital markets funding with potential increased costs if credit ratings downgrade from current BBB/Baa1/A- levels
Business Overview
- Core business model: diversified financial services including banking, credit cards, and lending
- No new products, services, or segments introduced or emphasized in FY2026 filing
- No strategic shifts or competitive repositioning highlighted compared to prior year
- Proxy Statement includes detailed disclosures on executive compensation, security ownership, and related transactions with no changes noted
- Most unusual fact: entire Business section content replaced by references to proxy disclosures and policies, lacking typical business operational details
AI summary of the COF 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Return on TCE 18.04% vs (32.99)% YoY
- Return on tangible assets 1.89% vs (3.14)% YoY
- TCE $64,546M vs $63,537M at June 30
- Near-term risks: macroeconomic instability, tariffs, interest rates, credit losses, Discover integration costs
Risk Factors
- No Risk Factors section provided in the submitted filing excerpt
- No newly added risk factor identifiable from the provided text
- Insider trading-plan disclosures for three executives, with share-sale limits up to 13,170.313 shares
- Share repurchases totaled 14,335,971 publicly announced-plan shares in the second quarter
- Merger agreement with Discover dated February 19, 2024 remains referenced as a corporate transaction exposure
AI summary of the COF 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Monthly charge-off and delinquency metrics furnished for August 31, 2026
- Credit-performance disclosure offers investors updated visibility into loan losses and delinquency trends
Item EX-99.1: Item EX-99.1
- August domestic credit-card loans $260.642B; net charge-off rate 4.16%, indicating elevated credit losses
- Domestic credit-card 30+ day performing delinquencies $9.297B, or 3.57% of period-end loans
Item 7.01: Regulation FD Disclosure
- Management presentation scheduled for September 16, 2026, at 12:00 p.m. ET
- Live webcast and replay available through Capital One’s Investor Center
Item 8.01: Other Events
- €750 million issued in 4.326% fixed-to-floating senior notes due 2032
- €750 million issued in 4.832% fixed-to-floating senior notes due 2037
AI summaries of COF 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for COF
Don't miss the next COF filing
- Alerts as it files. A push when COF files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut COF, by share count.
- Ask anything. An AI agent that reads every COF filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Karam Celia | Sell | Sep 15, 2026 | 2,017 | $206.07 |
| Dean Lia | Sell | Sep 15, 2026 | 2,066 | $206.07 |
| Cooper Matthew W | Sell | Sep 1, 2026 | 3,500 | $214.10 |
| Karam Celia | Sell | Aug 17, 2026 | 1 | $225.92 |
| Dean Lia | Sell | Aug 17, 2026 | 2,192 | $225.52 |
| Dean Lia | Sell | Aug 17, 2026 | 1 | $225.92 |
| Karam Celia | Sell | Aug 17, 2026 | 1,887 | $225.52 |
| Mouadeb Mark Daniel | Sell | Aug 13, 2026 | 1,199 | $225.00 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $5.6B | $5.9B | $8.1B |
| Net Income | $4.9B | $4.8B | $2.5B |
| Net Margin | 86.6% | 80.3% | 30.4% |
| Balance Sheet | |||
| Total Assets | $478.5B | $490.1B | $669.0B |
| Equity | $58.1B | $60.8B | $113.6B |
| ROE | 8.4% | 7.8% | 2.2% |
| Per Share | |||
| EPS | - | $11.59 | $4.03 |
| Cash Flow | |||
| Operating CF | $20.6B | $18.2B | $27.7B |
| CapEx | $961.0M | $1.2B | $1.6B |
Source: XBRL data in Capital One (COF)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate COF share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 63 | $51.82B |
| Q1 2026 | 60 | $45.87B |
| Q4 2025 | 63 | $60.51B |
| Q3 2025 | 62 | $59.54B |
| Q2 2025 | 62 | $54.98B |
| Q1 2025 | 48 | $25.32B |
| Q4 2024 | 42 | $18.43B |
| Q3 2024 | 38 | $9.02B |
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- Franklin Resources−288.3K (-2%)
- Ameriprise Financial−284.9K (-12%)
- Bridgewater Associates LP+145.5K
- ENTERPRISE FINANCIAL SERVICES CORP+1.0K
- LCNB CORP+1.0K
Source: 13F-HR filings on SEC EDGAR (aggregated from 438 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
COF filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 8-K | Sep 15, 2026 | - | Analysis | - |
| 8-K | Sep 15, 2026 | - | Analysis | - |
| 8-K | Sep 15, 2026 | - | Analysis | - |
| 4 | Sep 2, 2026 | - | - | - |
| 8-K | Sep 1, 2026 | - | Analysis | - |
| 8-K | Aug 20, 2026 | - | Analysis | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 8-K | Aug 17, 2026 | - | Analysis | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 10, 2026 | - | - | - |
| 4 | Aug 5, 2026 | - | - | - |
| 4 | Aug 5, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Jul 30, 2026 | - | - | - |
| 10-Q | Jul 28, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 4 | Jul 8, 2026 | - | - | - |
| 8-K | Jun 15, 2026 | - | Analysis | - |
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COF SEC filings: frequently asked questions
Are COF insiders buying or selling?
In the last 90 days, Capital One (COF) officers, directors and 10% owners reported no open-market purchases and 17 open-market sales worth $7.9 million by 7 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold COF stock?
As of June 30, 2026, the largest Capital One (COF) holders among the 13F filers tracked by SignalX were BlackRock ($10.2 billion), Vanguard Capital Management LLC ($8.2 billion), State Street Corp ($5.6 billion), JPMorgan Chase & Co ($3.6 billion), Franklin Resources ($2.7 billion). 13F-HR reports are filed up to 45 days after each quarter ends.
What was COF's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Capital One (COF) reported revenue of $8.1 billion (up 36.3% from FY2024) and net income of $2.5 billion. Diluted EPS was $4.03. The figures come from the XBRL data in the 10-K.
What are the main risks in COF's latest 10-K?
In the 10-K filed February 19, 2026, Capital One (COF) flagged: Regulatory risk: potential impact from Moody’s, Fitch stable ratings and S&P positive outlook on senior unsecured long-term debt. Macroeconomic threat: unfunded lending commitments increased to $729.6B in 2025 from $458.1B in 2024, stressing liquidity. (AI summary of the Risk Factors section.)
What did COF report in its latest 8-K?
Capital One (COF) filed an 8-K on September 15, 2026 reporting Item 7.01 (Regulation FD Disclosure). Monthly charge-off and delinquency metrics furnished for August 31, 2026.
What are the latest COF SEC filings?
Capital One (COF) filed its latest 10-K annual report on February 19, 2026, a 10-Q quarterly report on July 28, 2026, an 8-K current report on September 15, 2026 and a Form 4 insider filing on September 16, 2026.
What is COF's SEC CIK number?
Capital One (COF)'s SEC Central Index Key (CIK) is 927628. EDGAR lists every COF filing under that number.
Ask anything about COF
The research agent reads COF's filings, financials, insider trades and 13F holders, then answers with sources.