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    Capital One Financial Corporation filed SEC Form 8-K: Other Events, Financial Statements and Exhibits

    7/1/25 4:51:24 PM ET
    $COF
    Major Banks
    Finance
    Get the next $COF alert in real time by email
    cof-20250701
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    UNITED STATES
    SECURITIES AND EXCHANGE COMMISSION
    Washington, D.C. 20549
    ____________________________________
    FORM 8-K
    ____________________________________
    CURRENT REPORT
    Pursuant to Section 13 or 15(d) of
    The Securities Exchange Act of 1934

    July 1, 2025
    Date of Report (Date of earliest event reported)
    ____________________________________
    CAPITAL ONE FINANCIAL CORPORATION
    (Exact name of registrant as specified in its charter)
    ____________________________________
    Delaware001-1330054-1719854
    (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)
    1680 Capital One Drive,
    McLean,Virginia 22102
    (Address of principal executive offices) (Zip Code)
    Registrant’s telephone number, including area code: (703) 720-1000
    (Not applicable)
    (Former name or former address, if changed since last report)
    ____________________________________
    Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
    ☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
    ☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
    ☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
    ☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

    Securities registered pursuant to Section 12(b) of the Act:
    Title of Each Class
    Trading Symbol(s)Name of Each Exchange on Which Registered
    Common Stock (par value $.01 per share)COF
    New York Stock Exchange
    Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series ICOF PRI
    New York Stock Exchange
    Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series JCOF PRJ
    New York Stock Exchange
    Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series KCOF PRK
    New York Stock Exchange
    Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series LCOF PRL
    New York Stock Exchange
    Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series NCOF PRN
    New York Stock Exchange
    1.650% Senior Notes Due 2029COF29
    New York Stock Exchange
    Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
    Emerging growth company     ☐
    If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐






    Item 8.01    Other Events.
    On July 1, 2025, Capital One Financial Corporation (the “Company”) issued a press release announcing the Company’s preliminary Stress Capital Buffer Requirement (“SCB”), as calculated by the Board of Governors of the Federal Reserve System 2025 Comprehensive Capital Analysis and Review (“CCAR”) process, is 4.5 percent, effective October 1, 2025. The Company’s previously disclosed SCB of 5.5 percent, as calculated by the Board of Governors of the Federal Reserve System 2024 CCAR process, will remain in effect until September 30, 2025.
    In April 2025, the Federal Reserve issued a notice of proposed rulemaking to amend the calculation of the SCB. The proposal would average stress test results over two consecutive years for purposes of determining the SCB requirement. The proposal has not yet been finalized, and our preliminary SCB disclosed above has been calculated under the current framework and does not reflect the proposed averaging.

    Item 9.01    Financial Statements and Exhibits.
     
    (d) Exhibits
    Exhibit No.Description
    99.1
    Press Release, dated July 1, 2025
    104The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

    Cautionary Statements Regarding Forward-Looking Statements.

    The attached press release and information provided pursuant to Items 8.01 and 9.01 may contain forward-looking statements, which involve a number of risks and uncertainties. Forward-looking statements often use words such as “will,” “anticipate,” “target,” “expect,” “think,” “estimate,” “intend,” “plan,” “goal,” “believe,” “forecast,” “outlook” or other words of similar meaning. Any forward looking statements made by the Company or on its behalf speak only as of the date they are made or as of the date indicated, and the Company does not undertake any obligation to update forward-looking statements as a result of new information, future events or otherwise. The Company cautions readers that any forward-looking information is not a guarantee of future performance and that actual results could differ materially from those contained in the forward-looking information due to a number of factors. For additional information on factors that could materially influence forward-looking statements included in this earnings press release, see the risk factors set forth under “Part I—Item 1A. Risk Factors” in the Annual Report on Form 10-K for the year ended December 31, 2024 filed with the Securities and Exchange Commission (the “SEC”) and Quarterly Reports on Form 10-Q and Current Reports on Form 8-K filed with the SEC.
    1





    SIGNATURE

    Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized.

    CAPITAL ONE FINANCIAL CORPORATION
    Date: July 1, 2025
    By:/s/ Matthew W. Cooper
    Matthew W. Cooper
    General Counsel and Corporate Secretary

    2
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