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AI brief of an SEC Form 8-K · Capital One (COF)

Capital One Q4 profit $3.26 per share; agrees to buy Brex for $5.15 billion

Mixed Impact 4 of 5 earnings Written later

Capital One reported fourth-quarter 2025 net income of $2.1 billion, or $3.26 per diluted share, up from $2.67 a year earlier but down from $4.83 in the third quarter. On January 22, 2026, it also agreed to acquire Brex Inc. for $5.15 billion, with about 50% cash and 50% stock, which adds a large deal shareholders will need to weigh.

Key points

  • Q4 2025 net income $2.1 billion, or $3.26 per diluted share, versus $4.83 in Q3 2025 and $2.67 in Q4 2024
  • Company-defined adjusted EPS, excluding adjusting items, was $3.86 per diluted share
  • Total net revenue rose 1% from Q3 to $15.6 billion; provision for credit losses rose $1.4 billion to $4.1 billion
  • Brex acquisition agreed January 22, 2026 for $5.15 billion, about 50% cash and 50% stock

The filing

CompanyCapital One (COF)
Form8-K, current report
Filed with the SECJan 22, 2026, 4:14 PM ET
Accession number0001193125-26-019444

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 2:16 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 22, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.