COF 8-K Current Reports

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Oct 20, 2026)

Capital One Financial Corporation (COF) has filed an 8-K report on October 20, 2026, providing an update on its monthly charge-off and delinquency metrics for the period ending September 30, 2026. The filing is furnished under Regulation FD and primarily includes data on credit card and consumer banking (auto loans) segments. Investors should note that this information is not deemed 'filed' for purposes of Section 18 of the Exchange Act, nor is it incorporated into other filings. Key metrics presented include net charge-off rates and 30+ day delinquency rates. For credit cards, the net charge-off rate was 3.66% and the 30+ day performing delinquency rate was 3.74%. For auto loans, the net charge-off rate was 1.62% and the 30+ day performing delinquency rate was 4.64%. These figures offer a snapshot of credit quality within Capital One's loan portfolio as of the end of September 2026.

Oct 20, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Financial Results (Oct 20, 2026)

Capital One Financial Corporation (COF) reported its third-quarter 2026 financial results, demonstrating a solid increase in net income and earnings per share compared to both the previous quarter and the prior year's third quarter. The company posted a net income of $3.5 billion, or $5.61 per diluted share, a notable improvement driven by increased total net revenue and a decrease in total non-interest expense. Key factors contributing to the positive performance include a robust increase in net interest income and a more favorable provision for credit losses. The integration of Discover continues to progress well, with management highlighting ongoing synergy delivery. The company also reported growth in its loan portfolio, particularly in Consumer Banking (Auto and Retail) and Commercial Banking segments, alongside a slight decrease in total deposits. Capital One maintained a strong capital position, with its Common Equity Tier 1 capital ratio at a healthy 13.8%. The company also returned capital to shareholders through dividends.

Oct 20, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Sep 15, 2026)

Capital One Financial Corporation (COF) has filed a Form 8-K to announce its participation in the Barclays 24th Annual Global Financial Services Conference on September 16, 2026. The company's presentation will take place at 12:00 p.m. ET and will be accessible via a live audio webcast on the company's investor relations website. This disclosure is primarily for Regulation FD purposes, ensuring broad public dissemination of material information that may be discussed during the conference.

Sep 15, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Corporate Update (Sep 15, 2026)

Capital One Financial Corporation (COF) announced the successful closing of a public offering of senior notes totaling €1.5 billion on September 15, 2026. This offering was split into two tranches: €750 million of 4.326% Fixed-to-Floating Rate Senior Notes due 2032 and €750 million of 4.832% Fixed-to-Floating Rate Senior Notes due 2037. These notes were issued under an established indenture framework, with the offering being underwritten by a syndicate of prominent financial institutions including Barclays Bank PLC, Deutsche Bank AG, London Branch, Goldman Sachs & Co. LLC, Morgan Stanley & Co. International plc, and Capital One Securities, Inc. The net proceeds from this offering will provide Capital One with additional capital, likely to support its ongoing business operations, lending activities, and growth strategies. The fixed-to-floating rate structure of the notes suggests a strategy to manage interest rate risk, potentially hedging against future increases in borrowing costs. Investors should note the specific coupon rates and maturity dates to assess the impact on the company's future interest expenses and leverage.

Sep 15, 2026 8-K

Corporate ChangesExhibits & Filings

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Sep 15, 2026)

Capital One Financial Corporation (COF) has filed an 8-K report on September 15, 2026, primarily to disclose its monthly charge-off and delinquency metrics for the period ending August 31, 2026. This filing provides investors with timely, albeit unaudited, data on the credit performance of the company's loan portfolio, which is a critical indicator of asset quality and potential future credit losses. Investors should pay close attention to these metrics as they can influence market sentiment and the company's stock valuation. The disclosed information is furnished under Regulation FD and is not deemed "filed" for purposes of Section 18 of the Securities Exchange Act. While this means it doesn't carry the same legal weight as a formally filed financial statement, it offers a valuable snapshot of the company's risk profile and operational health in the short term. Investors should monitor trends in charge-offs and delinquencies to assess the effectiveness of Capital One's underwriting and risk management strategies.

Sep 15, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Bylaw Amendment (Sep 1, 2026)

Capital One Financial Corporation (COF) has filed a Certificate of Elimination with the State of Delaware on September 1, 2026, effectively removing all provisions related to its Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M (Series M Preferred Stock) from its Restated Certificate of Incorporation. This action is a direct result of the redemption of all outstanding shares of the Series M Preferred Stock on the same date, as stipulated by the terms of its original Certificate of Designations. This move simplifies the company's capital structure by eliminating a specific class of preferred stock.

Sep 1, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Corporate Update (Aug 20, 2026)

Capital One Financial Corporation (NYSE: COF) announced on August 20, 2026 that it will fully redeem all 1,000,000 outstanding shares of its Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M (CUSIP: 14040HCF0), on September 1, 2026. Each share will be redeemed at $1,000, for an aggregate redemption amount of roughly $1.0 billion, excluding dividends. Holders will also receive the regular quarterly dividend of $9.875 per share, payable on the redemption date to holders of record as of August 17, 2026. The redemption price itself does not include accrued and unpaid dividends, and dividends cease to accrue on and after the redemption date. Payment will flow through DTC, with Computershare Trust Company, N.A. acting as redemption agent. For investors, this is a routine capital management action rather than a signal of financial stress. Full redemption of a reset preferred at par typically reflects the issuer's decision to retire higher-cost capital, often at or after a reset or call date. The filing does not disclose the funding source or any replacement issuance, so investors should look to subsequent filings or earnings commentary for details on the impact to capital ratios and the company's capital plan.

Aug 20, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Aug 17, 2026)

Capital One Financial Corporation (COF) has filed an 8-K report on August 17, 2026, primarily to furnish its monthly charge-off and delinquency metrics for the period ending July 31, 2026. This filing, made under Regulation FD, provides investors with timely, albeit unaudited, data regarding the company's credit performance. The key information revolves around the trends in credit card delinquencies and charge-offs, which are crucial indicators of asset quality and potential future loan losses for a financial institution like Capital One. Investors should pay close attention to the specific percentages and trends presented in Exhibit 99.1. Increases in charge-off rates or a rise in the number of accounts past due could signal deteriorating credit conditions within Capital One's customer base, potentially impacting future profitability and capital adequacy. Conversely, stable or declining metrics would suggest continued credit resilience. It's important to note that this information is furnished and not deemed "filed," meaning it's for disclosure purposes and not subject to the same liability as formally filed financial statements. However, it remains a valuable supplement for ongoing investor analysis.

Aug 17, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Jul 21, 2026)

Capital One Financial Corporation (COF) filed an 8-K on July 21, 2026, primarily to disclose its monthly charge-off and delinquency metrics for the period ending June 30, 2026. This filing provides investors with a timely update on the company's asset quality, a critical indicator of its financial health, particularly in the current economic climate. While this information is furnished under Regulation FD and not deemed 'filed' for certain regulatory purposes, it offers valuable insights into the performance of COF's loan portfolio. Investors should carefully review these metrics to assess potential credit risks and their impact on future earnings. The furnished data pertains to charge-off rates and delinquency rates, which are key metrics for credit card and loan businesses. Changes in these figures can signal shifts in borrower behavior, economic stress, or the effectiveness of the company's underwriting and collections processes. A consistent trend of increasing charge-offs or delinquencies could indicate rising credit losses, while stable or declining rates suggest a healthy loan portfolio. This monthly update allows for a more granular understanding of the company's performance between quarterly earnings reports.

Jul 21, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Financial Results (Jul 21, 2026)

Capital One reported second-quarter 2026 GAAP net income of $3.0 billion, or $4.73 per diluted share, up from $2.2 billion ($3.34) in the first quarter. Excluding adjusting items, primarily acquisition amortization and Discover and Brex integration expenses, adjusted EPS was $5.81, compared with $4.42 in the prior quarter. Total net revenue rose 4% sequentially to $15.9 billion, and net interest margin expanded 14 basis points to 8.01%. Non-interest expense increased 7% to $9.0 billion, led by an 11% rise in marketing, so pre-provision earnings grew only 1% to $6.8 billion. The efficiency ratio was 57.05% (adjusted 51.38%). Credit performance improved. The provision for credit losses fell $1.1 billion to $3.0 billion, which included a $662 million reserve release, and net charge-offs were $3.6 billion (3.23% annualized, down 22 basis points). The 30+ day delinquency rate fell to 3.13%. Period-end loans grew 2% to $457.2 billion, led by credit card and auto, while period-end deposits declined 1% to $484.3 billion. Tangible book value per share declined to $105.21 from $107.76. Common equity Tier 1 ratio fell 70 basis points to 13.7% (preliminary), reflecting higher goodwill and intangibles after the Brex acquisition completed April 7, 2026. Year over year, results are not comparable to the prior-year second quarter, which posted a $4.3 billion net loss driven by an $8.8 billion initial allowance build on Discover loans. The quarter's key debates for investors are the sustainability of the reserve release, the return on elevated marketing spend, and how far the capital ratio can recover while integration costs continue.

Jul 21, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Jun 15, 2026)

Capital One Financial Corporation (COF) has filed an 8-K report on June 15, 2026, to furnish investors with its monthly charge-off and delinquency metrics for the period ending May 31, 2026. This filing provides an update on key credit performance indicators, which are crucial for assessing the health of the company's loan portfolio and its overall risk profile. Investors should pay close attention to these metrics as they can offer early insights into potential credit deterioration or improvement. While this report is furnished under Regulation FD and not deemed "filed" for certain purposes, it serves as a timely disclosure of operational data. The information contained within Exhibit 99.1, the actual monthly metrics, will allow investors to track trends in loan performance and assess the company's ability to manage credit risk. Given the dynamic economic environment, these periodic updates are essential for evaluating Capital One's financial stability and future profitability.

Jun 15, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Corporate Update (Jun 9, 2026)

Capital One Financial Corporation (COF) has filed a Current Report on Form 8-K to disclose an update regarding its registration statement for the resale of common stock. This filing pertains to Prospectus Supplement No. 2, dated June 9, 2026, which supplements an earlier prospectus supplement from April 23, 2026, both filed under the company's automatic shelf registration statement. The primary purpose of this report is to register an additional 39,843 shares of common stock for resale.

Jun 9, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Jun 8, 2026)

Capital One Financial Corporation (COF) has filed an 8-K report primarily to announce its participation in the Morgan Stanley US Financials conference on June 9, 2026. The company will be presenting at 2:30 p.m. ET in New York City. Investors interested in Capital One's strategic outlook, financial performance, and future plans should tune into this presentation. A live audio webcast will be accessible through the company's investor relations website, with a replay available for an extended period following the event.

Jun 8, 2026 8-K

Shareholder MattersExhibits & Filings

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (May 15, 2026)

Capital One Financial Corporation (COF) has filed an 8-K report on May 15, 2026, primarily to disclose its monthly charge-off and delinquency metrics for the period ending April 30, 2026. This filing provides investors with a timely snapshot of the company's credit performance, which is a crucial indicator of asset quality and potential future credit losses. The furnished information allows for an assessment of trends in credit risk within Capital One's loan portfolio, particularly relevant in the current economic environment.

May 15, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Shareholder Vote Results (May 8, 2026)

This 8-K filing from Capital One Financial Corporation reports on the outcomes of its 2026 Annual Stockholder Meeting held on May 8, 2026. The meeting saw strong shareholder participation, with over 556 million shares present for quorum, representing a significant portion of the outstanding shares. Key resolutions passed included the election of all thirteen nominated directors to the Board, the advisory approval of the Company's 2025 named executive officer compensation, and the ratification of Ernst & Young LLP as the independent registered public accounting firm for 2026. Notably, a shareholder proposal related to golden parachute arrangements did not receive majority support from stockholders, indicating management's current approach to such compensation remains favored. The overwhelming support for director elections and compensation matters suggests continued confidence from the shareholder base in the current leadership and executive remuneration policies.

May 8, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Corporate Update (Apr 23, 2026)

Capital One Financial Corporation (COF) has filed a Form 8-K to include a prospectus supplement related to the resale of up to 10,345,906 shares of its common stock. These shares were issued as consideration for the acquisition of Brex Inc., which was completed on April 7, 2026. The filing primarily serves to register these shares for potential sale by the selling security holders, who are the recipients of these shares from the Brex acquisition.

Apr 23, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Financial Results (Apr 21, 2026)

Capital One (COF) reported first quarter 2026 GAAP net income of $2.2 billion, or $3.34 per diluted share, versus $3.26 in the fourth quarter of 2025 and $3.45 in the first quarter of 2025. Excluding Discover-related amortization ($0.58 per share) and integration expenses ($0.50 per share), adjusted diluted EPS was $4.42, up from $3.86 in Q4 2025 and $4.06 in Q1 2025. Total net revenue fell 2% sequentially to $15.2 billion, while non-interest expense dropped 9% to $8.5 billion, driven largely by a 23% decline in marketing. Pre-provision earnings rose 8% to $6.8 billion, and the efficiency ratio improved to 55.57% (adjusted 49.71%). Credit quality was mixed on the surface. The provision for credit losses was $4.1 billion, including net charge-offs of $3.8 billion and a $230 million reserve build. The net charge-off rate held at 3.45%, flat sequentially, and the 30+ day performing delinquency rate improved to 3.04% from 3.41%. Net interest margin compressed 39 basis points to 7.87%, and period-end loans declined 1% to $447.8 billion, mainly because Domestic Card balances fell $8.4 billion. Deposits grew 3% to $489.1 billion while the interest-bearing deposit rate fell 16 basis points to 3.00%. The common equity Tier 1 ratio (preliminary) rose to 14.4%. For investors, the central questions are whether Discover integration costs and amortization roll off as guided, whether the card franchise can return to loan growth after the Q1 decline, and whether margin pressure stabilizes. The quarter shows strong cost discipline and resilient credit, but top-line contraction and margin compression are the key watch items. The filing furnishes the press release and financial supplement under Item 2.02 and does not include forward guidance in the excerpted text.

Apr 21, 2026 8-K

Leadership ChangesSecurities & Listing

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Apr 21, 2026)

Capital One Financial Corporation (COF) has filed an 8-K report on April 21, 2026, primarily to furnish its monthly charge-off and delinquency metrics for the period ending March 31, 2026. This filing provides investors with a timely update on key credit quality indicators, which are crucial for assessing the company's risk profile and the health of its loan portfolio. While this information is provided under Regulation FD and not deemed 'filed' for certain liabilities, it offers transparency into the company's operational performance. Investors should pay close attention to the trends presented in the furnished exhibit (Exhibit 99.1). Changes in charge-off rates and delinquency percentages can signal shifts in borrower repayment behavior and the broader economic environment's impact on consumers. These metrics are essential for understanding potential impacts on future earnings, provision for credit losses, and overall profitability. The furnished data allows for a forward-looking assessment of the company's asset quality and risk management effectiveness.

Apr 21, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Unregistered Securities Sale (Apr 7, 2026)

Capital One Financial Corporation (COF) announced the closing of its acquisition of Brex Inc. on April 7, 2026. This significant transaction involved a cash payment of approximately $2.56 billion and the issuance of 10,646,306 shares of Capital One common stock. The equity portion of the deal was completed under the exemption provided by Section 4(a)(2) of the Securities Act of 1933, indicating it was not registered with the SEC. In connection with the acquisition, Capital One also approved a special award of 11,041 restricted stock units (RSUs) to Frank LaPrade, Chief Enterprise Services Officer and Chief of Staff to the CEO. These RSUs, valued at approximately $2.0 million, are intended to recognize Mr. LaPrade's contributions to the Brex transaction and his future integration efforts. The RSUs will vest over three years and settle in Capital One common stock, aligning his incentives with the company's long-term performance.

Apr 7, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Mar 16, 2026)

Capital One Financial Corporation (COF) has filed an 8-K report on March 16, 2026, to disclose its monthly charge-off and delinquency metrics for the period ending February 28, 2026. This filing, made under Regulation FD, provides investors with a snapshot of key credit performance indicators that are crucial for assessing the company's asset quality and potential future losses. While this information is furnished and not deemed "filed" for regulatory purposes, it offers timely insights into the current credit environment and Capital One's performance within it.

Mar 16, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Feb 17, 2026)

Capital One Financial Corporation (COF) has filed an 8-K report on February 16, 2026, primarily to disclose its monthly charge-off and delinquency metrics for the period ending January 31, 2026. This filing is furnished under Regulation FD and does not constitute a formal filing for Section 18 of the Securities Exchange Act. Investors should review the provided data, found in Exhibit 99.1, for insights into the company's credit performance at the beginning of 2026. The core of this report lies in the monthly charge-off and delinquency data, which offers a near real-time glimpse into the quality of Capital One's loan portfolio. While the 8-K itself does not contain detailed financial analysis or forward-looking statements, the furnished exhibit is crucial for monitoring trends in credit losses and potential borrower stress. Investors and analysts will be looking for stability or changes in these metrics compared to prior periods to assess the company's risk management and overall financial health.

Feb 17, 2026 8-K

Leadership ChangesExhibits & Filings

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Feb 9, 2026)

Capital One Financial Corporation (COF) has filed an 8-K report on February 9, 2026, to disclose its participation in the UBS Financial Services Conference 2026. The company's presentation is scheduled for February 10, 2026, in Miami, FL, at 2:40 p.m. ET. Investors will have the opportunity to listen to a live audio webcast of the presentation via Capital One's Investor Center website, with a replay available through at least February 24, 2026. This filing primarily serves to inform stakeholders about an upcoming investor presentation. While no new financial results or material business updates are provided in this specific 8-K, the conference presentation may offer forward-looking insights, strategic outlook, or commentary on the company's performance and industry trends. Investors are encouraged to tune into the webcast for potential disclosures of interest.

Feb 9, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Executive Changes (Feb 6, 2026)

This 8-K filing from Capital One Financial Corporation (COF) details the approval of 2026 compensation plans and the finalization of 2025 incentive awards for its Chief Executive Officer, Richard D. Fairbank, and other Named Executive Officers. The compensation structure continues to emphasize performance-based pay, with a significant portion of executive compensation tied to the company's financial performance and relative shareholder returns over multi-year periods. The filing also introduces updated severance policies, including an Executive Officer Cash Severance Policy and an updated Executive Change of Control Severance Plan, aiming to align severance benefits with industry practices while requiring stockholder ratification for certain higher severance thresholds. Key for investors is the direct link between executive pay and company performance, particularly the multi-year performance periods for equity awards such as performance shares (PSUs). The structure for 2026 compensation mirrors the performance-oriented approach, with awards being "completely at-risk" and subject to future performance evaluations. The updated severance plans provide clarity on potential payouts in change-of-control or termination scenarios, with specific multiples of base salary and target bonus defined for different executive levels. These disclosures reinforce the company's commitment to aligning executive interests with those of shareholders through long-term incentives and a disciplined approach to severance.

Feb 6, 2026 8-K

Securities & ListingRegulation FDExhibits & Filings

CAPITAL ONE FINANCIAL CORP 8-K Report, Corporate Update (Feb 2, 2026)

Capital One Financial Corporation (COF) has announced the successful closing of a public offering of senior notes totaling $3 billion. This offering comprises two tranches: $1.5 billion in 4.722% Fixed-to-Floating Rate Senior Notes due 2032 and $1.5 billion in 5.399% Fixed-to-Floating Rate Senior Notes due 2037. The issuance was conducted under an underwriting agreement with a syndicate of major financial institutions, including Barclays Capital Inc., J.P. Morgan Securities LLC, Morgan Stanley & Co. LLC, Wells Fargo Securities, LLC, and Capital One Securities, Inc. This debt issuance represents a strategic move to bolster Capital One's capital structure and potentially fund ongoing operations or future growth initiatives. The fixed-to-floating rate feature provides flexibility, allowing the company to adjust interest payments based on market conditions after an initial fixed-rate period. Investors can view this as a sign of the company's continued access to capital markets and its proactive approach to managing its balance sheet.

Feb 2, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Unregistered Securities Sale (Jan 22, 2026)

On January 22, 2026, Capital One Financial Corporation (NYSE: COF) entered into a definitive Agreement and Plan of Merger and Reorganization to acquire Brex Inc., a San Francisco-based AI-native corporate card, spend management, and banking platform. The transaction is valued at $5.15 billion in aggregate consideration, subject to customary adjustments, consisting of approximately $2.75 billion in cash and approximately 10.6 million shares of Capital One common stock. The deal is expected to close in the middle of calendar 2026, subject to customary closing conditions including required regulatory approvals. Strategically, the acquisition is positioned by management as a way to accelerate Capital One's push into business payments. Founder and CEO Richard Fairbank characterized Brex as a vertically integrated fintech that combines corporate cards, spend management software, and banking in one platform. Brex's CEO, Pedro Franceschi, will continue to lead Brex within Capital One. Brex reports more than 25,000 customers, including well-known technology companies, and operates in more than 50 countries. For investors, the key considerations are the purchase price relative to Capital One's scale (the company reported $669.0 billion in total assets and $475.8 billion in deposits as of December 31, 2025), the dilution from the roughly 10.6 million new shares, the cash outlay of about $2.75 billion, and the execution risk tied to integrating a fintech platform and realizing the anticipated benefits. The filing does not disclose Brex's financial results, expected synergies, or the accounting treatment, so those details will be important to watch in future disclosures.

Jan 22, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Jan 22, 2026)

Capital One Financial Corporation (COF) has filed an 8-K report on January 22, 2026, primarily to disclose its monthly charge-off and delinquency metrics for the period ending December 31, 2025. This filing, furnished under Regulation FD, provides investors with key performance indicators for the company's credit portfolio. While not deemed "filed" for liability purposes under Section 18 of the Securities Exchange Act, this data offers a timely snapshot of the credit quality and potential risk within Capital One's loan book as the year concluded.

Jan 22, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Financial Results (Jan 22, 2026)

Capital One reported Q4 2025 GAAP net income of $2.1 billion, or $3.26 per diluted share, down sharply from $4.83 in Q3 2025 and $2.67 in Q4 2024. Excluding adjusting items (chiefly Discover intangible amortization, Discover integration costs, and a one-time gain on the sale of a home loan portfolio), adjusted diluted EPS was $3.86. Total net revenue rose 1% sequentially to $15.6 billion, but non-interest expense jumped 13% to $9.3 billion, driven by a 38% increase in marketing. Provision for credit losses rose $1.4 billion to $4.1 billion, including a $302 million reserve build, while net charge-offs were $3.8 billion (3.45% net charge-off rate). Pre-provision earnings fell 12% to $6.2 billion. Balance sheet growth continued after the Discover acquisition, which closed May 18, 2025. Period-end loans held for investment reached $453.6 billion, with Credit Card loans at $279.6 billion, and total deposits were $475.8 billion. The common equity Tier 1 ratio was 14.3% under Basel III Standardized (preliminary). For full year 2025, GAAP diluted EPS was $4.03 versus $11.59 in 2024, reflecting a large second-quarter loss of $8.58 per share tied to the $8.8 billion initial allowance on acquired Discover non-PCD loans. Full-year adjusted diluted EPS was $19.61 versus $13.96 in 2024. The filing also disclosed that on January 22, 2026, Capital One agreed to acquire Brex Inc. for $5.15 billion, approximately 50% cash and 50% stock. Investors will want to weigh the margin of the Q4 earnings decline and rising expenses against the strong top-line growth, stable credit trends, and the new acquisition's integration and capital implications. Note that the Discover-related adjustments and the home loan sale gain materially distort GAAP comparisons.

Jan 22, 2026 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Dec 15, 2025)

Capital One Financial Corporation (COF) has filed an 8-K report on December 15, 2025, providing an update on its monthly charge-off and delinquency metrics for the period ending November 30, 2025. This filing, furnished under Regulation FD, offers investors timely insights into the company's credit portfolio performance, a critical factor in assessing risk and profitability for financial institutions. The specific data for November 2025, detailed in Exhibit 99.1, allows investors to monitor trends in potential loan losses and the timeliness of customer payments. This information is crucial for evaluating the effectiveness of Capital One's underwriting strategies and its ability to manage credit risk in the prevailing economic environment. Investors should pay close attention to the direction and magnitude of these metrics, as they can significantly impact the company's future earnings and financial stability.

Dec 15, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Dec 8, 2025)

Capital One Financial Corporation (COF) has filed an 8-K report to announce its participation in the Goldman Sachs 2025 U.S. Financial Services Conference. The company's presentation is scheduled for Tuesday, December 9, 2025, at 2:20 p.m. EST, and will be accessible via a live audio webcast on Capital One's investor relations website. Investors should note that this filing is primarily for informational purposes related to Regulation FD disclosure and does not contain new financial statements or material business updates outside of the presentation content. While the specific topics to be covered during the presentation are not detailed in this 8-K, participation in such a conference typically involves discussions on the company's strategic priorities, financial performance, and outlook. Investors seeking the latest insights into Capital One's business and market positioning should tune into the webcast or review the archived recording available on the company's website. The webcast replay will be archived until at least December 22, 2025.

Dec 8, 2025 8-K

Leadership ChangesExhibits & Filings

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Nov 17, 2025)

Capital One Financial Corporation (COF) has filed a Form 8-K with the SEC on November 17, 2025, to disclose its monthly charge-off and delinquency metrics for the period ending October 31, 2025. This filing provides investors with timely insights into the credit performance of the company's loan portfolio, which is a critical factor in assessing the company's risk profile and overall financial health. The provided data, while not considered filed for regulatory purposes under Section 18, offers a snapshot of the company's operational performance and potential trends in credit quality. Investors should pay close attention to the delinquency and charge-off rates as indicators of the company's ability to manage credit risk and the potential impact on future earnings and capital adequacy. While this report does not contain forward-looking statements or material changes in business operations, it serves as a valuable resource for monitoring the company's credit trends on a monthly basis, allowing for more informed investment decisions. The information is furnished under Regulation FD to ensure broad public dissemination.

Nov 17, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Executive Changes (Nov 7, 2025)

Capital One Financial Corporation (COF) filed an 8-K on November 6, 2025, reporting a significant event related to executive compensation. The Compensation Committee and independent directors approved a special cash award of $2,000,000 for Matthew Cooper, who holds the positions of President, Discover Integration, General Counsel, and Secretary. This award is explicitly tied to Mr. Cooper's expanded role and his exceptional performance and contributions throughout the year.

Nov 7, 2025 8-K

Earnings & ResultsOther EventsExhibits & Filings

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Oct 21, 2025)

Capital One Financial Corporation (COF) has filed a Form 8-K, primarily to disclose its monthly charge-off and delinquency metrics for the period ending September 30, 2025. This filing provides investors with updated data on the company's credit performance, which is a critical indicator of the health of its loan portfolio and its ability to manage risk. The provided metrics offer insights into the rate at which the company's loans are becoming uncollectible (charge-offs) and the proportion of loans that are past due (delinquencies). Investors will closely examine these figures to assess trends in consumer credit quality, particularly in the current economic environment. Positive trends in these metrics would generally be viewed favorably, suggesting robust credit underwriting and effective collections. Conversely, any deterioration could signal increased credit risk and potential impacts on future profitability.

Oct 21, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Financial Results (Oct 21, 2025)

Capital One (COF) reported third-quarter 2025 GAAP net income of $3.2 billion, or $4.83 per diluted share, compared with a net loss of $4.3 billion ($(8.58) per share) in Q2 2025 and $1.8 billion ($4.41 per share) in Q3 2024. Excluding adjusting items, primarily Discover integration costs, Discover intangible amortization, and Discover fair value mark amortization, adjusted diluted EPS was $5.95, up from $5.48 in Q2 2025 and $4.51 a year earlier. The Q2 comparison is distorted by an $8.8 billion initial allowance build on acquired Discover loans and a $19.4 billion charge-off of fully written-down Discover loans, so the sequential swing reflects accounting effects of the May 2025 Discover acquisition rather than a change in underlying earnings power. Total net revenue rose 23% sequentially to $15.4 billion, net interest margin expanded to 8.36%, and the provision for credit losses fell to $2.7 billion, including a $760 million reserve release, while net charge-offs were $3.5 billion (3.16% of average loans). Period-end loans reached $443.2 billion and deposits $468.8 billion. Common equity Tier 1 ratio improved to a preliminary 14.4%. The company also authorized a new share repurchase program of up to $16 billion, replacing the April 2022 authorization, with repurchases permitted to begin October 21, 2025. The program has no price or share-count targets, may use open market or privately negotiated purchases including Rule 10b5-1 plans, and can be modified or suspended at any time. Investors should weigh the buyback capacity against the bank's still-elevated integration costs and the fact that Q3 operating expenses rose 22% sequentially, which pushed the efficiency ratio to 53.8% on a GAAP basis (47.96% adjusted). Many figures, including capital ratios, are preliminary and subject to change until the Form 10-Q is filed.

Oct 21, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Sep 15, 2025)

Capital One Financial Corporation (COF) has filed a Form 8-K to disclose its monthly charge-off and delinquency metrics for the period ending August 31, 2025. This filing, furnished under Regulation FD, provides investors with an early look at key credit performance indicators. While not deemed 'filed' for Section 18 purposes, these metrics are crucial for understanding the company's credit quality and potential future loan loss provisions. Investors should pay close attention to the trends in both charge-off rates and delinquency rates. Increases in these metrics could signal deteriorating credit conditions within Capital One's loan portfolio, potentially impacting profitability and requiring adjustments to risk management strategies. Conversely, stable or improving trends would suggest continued credit resilience.

Sep 15, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Corporate Update (Sep 11, 2025)

Capital One Financial Corporation (COF) has successfully closed a public offering of senior notes totaling $2.75 billion. This offering includes $1.25 billion in 4.493% Fixed-to-Floating Rate Senior Notes due 2031 and $1.50 billion in 5.197% Fixed-to-Floating Rate Senior Notes due 2036. These notes were issued under existing indenture agreements and have been registered with the SEC. The issuance was facilitated through an underwriting agreement with a syndicate of prominent financial institutions, including Citigroup Global Markets Inc. and Goldman Sachs & Co. LLC. This significant debt issuance provides Capital One with additional capital, likely to support its ongoing business operations, potential acquisitions, or to manage its balance sheet. Investors should note the fixed-to-floating rate nature of these notes, which means the interest rate will transition from a fixed rate to a floating rate at a future point, introducing potential changes in yield over the life of the debt. The specific terms and conditions are detailed in the filed exhibits, including the underwriting agreement and forms of the notes.

Sep 11, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Sep 8, 2025)

Capital One Financial Corporation (COF) has filed an 8-K report to announce its participation in the Barclays 23rd Annual Global Financial Services Conference. Management is scheduled to present on September 9, 2025, at 2:00 p.m. EST. Investors and interested parties can access a live audio webcast of the presentation through the Company's Investor Center website, with a replay available for at least two weeks post-event. This filing serves as a notification of a public forum where the company will likely discuss its business, strategy, and financial performance. While specific details of the presentation are not included in this 8-K, the event provides an opportunity for the company to offer forward-looking insights and respond to questions from analysts and investors. Investors should monitor the webcast for potential updates on market conditions, strategic initiatives, and financial outlook.

Sep 8, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Aug 15, 2025)

Capital One Financial Corporation (COF) has filed an 8-K report on August 14, 2025, providing an update on its monthly charge-off and delinquency metrics as of and for the month ended July 31, 2025. This filing, furnished under Regulation FD, offers investors a timely look at key credit performance indicators, which are crucial for assessing the company's asset quality and risk management effectiveness. While specific numerical data for charge-offs and delinquencies is contained within the furnished Exhibit 99.1, the report's primary purpose is to disseminate this information transparently. Investors should review the detailed metrics to understand trends in credit losses and potential risks within Capital One's loan portfolio, particularly in the context of the current economic environment. The company emphasizes that this information is furnished and not 'filed' for certain regulatory purposes, a standard disclosure for such updates.

Aug 15, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Jul 22, 2025)

Capital One's July 22, 2025 Form 8-K furnishes its monthly charge-off and delinquency metrics for June 2025, filed under Regulation FD (Item 7.01). The release is informational. It does not report earnings or guidance, and the exhibit is not deemed filed under Section 18 of the Exchange Act. The June figures are the first to include Discover, whose acquisition closed May 18, 2025. Total domestic card loans held for investment were $252.5 billion at period end, and the domestic card net charge-off rate was 4.96% for the month, with a 3.60% 30+ day performing delinquency rate. Capital One Domestic's net charge-off rate was 5.29%, and Discover Domestic's was 4.47%. Discover's June rate was flattered by accelerated charge-offs on deceased or bankrupt accounts, which reduced net charge-offs by about $39 million. Excluding that effect, Discover Domestic's rate would have been 4.94% and total domestic card's 5.15%. Discover's 30+ day delinquency rate was also lowered by 23 basis points from aligning its methodology with Capital One's. Auto loans were $80.0 billion at period end, with a 1.69% net charge-off rate and a 0.73% nonperforming loan rate, but a 4.84% 30+ day performing delinquency rate. Investors should read these figures as a single month's data affected by a fresh acquisition and methodology changes, so the June numbers are not a clean run-rate. Trends are best judged over several months as the combined card portfolio seasons.

Jul 22, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Financial Results (Jul 22, 2025)

Capital One's Q2 2025 results (filed via Form 8-K on July 22, 2025) are dominated by a one-time reserve action tied to the Discover acquisition, which closed May 18, 2025. GAAP net loss was $4.3 billion, or $(8.58) per diluted share, driven by a $11.4 billion provision for credit losses that included an $8.8 billion initial allowance build on non-PCD Discover loans. Excluding adjusting items, management reported adjusted diluted EPS of $5.48, versus $4.06 in Q1 2025 and $3.14 in Q2 2024. The adjusted figure is non-GAAP and should be read alongside the GAAP loss. Underlying operating momentum was strong: total net revenue rose 25% sequentially to $12.5 billion, net interest margin expanded 69 basis points to 7.62%, and pre-provision earnings increased 34% to $5.5 billion. The balance sheet changed materially. Period-end loans held for investment rose 36% to $439.3 billion, largely from Discover's card portfolio, and period-end deposits rose 27% to $468.1 billion. Goodwill and intangibles jumped to roughly $42 billion. The common equity Tier 1 ratio rose to 14.0% (preliminary) from 13.6%, and tangible book value per common share fell to $99.35 from $113.74 as share count increased sharply to 639.5 million from 383.0 million, reflecting the all-stock deal. Allowance coverage increased to 5.43% from 4.91%, and the net charge-off rate improved to 3.24% from 3.40%. For investors, the key questions are whether the reserve build proves excessive or adequate as Discover's loans season, whether integration costs (which were $299 million in the quarter, with $255 million of intangible amortization) fall as guided, and whether the combined card franchise can sustain the revenue and margin uplift. Investors should also note that the regulatory capital figures are preliminary and that the 8-K furnishes, rather than files, the earnings release under Item 2.02.

Jul 22, 2025 8-K

Corporate ChangesExhibits & Filings

CAPITAL ONE FINANCIAL CORP 8-K Report, Corporate Update (Jul 1, 2025)

On July 1, 2025, Capital One (NYSE: COF) disclosed a preliminary Stress Capital Buffer Requirement (SCB) of 4.5 percent, calculated under the Federal Reserve's 2025 Comprehensive Capital Analysis and Review (CCAR) process. The new SCB takes effect October 1, 2025, down from the previously disclosed 5.5 percent, which remains in effect through September 30, 2025. A lower SCB reduces the minimum capital buffer the company must hold above regulatory minimums, which can free up capacity for shareholder returns such as dividends and buybacks, all else equal. The company also flagged a April 2025 Federal Reserve proposal that would average stress test results over two consecutive years when setting the SCB. The proposal has not been finalized, and the preliminary 4.5 percent figure reflects the current framework without that averaging. Investors should therefore treat the 4.5 percent level as subject to change if the rule is adopted in its proposed form, though the filing does not quantify how the averaging would affect the buffer. The filing is a limited disclosure under Item 8.01 (Other Events) and contains no new financial results, earnings guidance, or capital return announcements. Its investor significance lies in the regulatory capital outlook, and the company's broader capital plans would need to be confirmed in subsequent communications.

Jul 1, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Bylaw Amendment (Jun 30, 2025)

Capital One Financial Corporation (COF) has filed an 8-K report detailing the elimination of its 6.125% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series P (Series P Preferred Stock) from its Restated Certificate of Incorporation. This action, effective June 30, 2025, signifies that all outstanding shares of this series have been redeemed in accordance with their original terms. Following redemption, these shares are no longer designated as Series P Preferred Stock and revert to the status of authorized but undesignated preferred stock within the company's capital structure. This filing is primarily a procedural update and does not appear to indicate any immediate financial distress or fundamental change in Capital One's business operations. Investors should view this as a corporate housekeeping matter. The redemption of preferred stock, especially perpetual preferred stock, can occur for various strategic reasons, including optimizing capital structure, reducing dividend payments if interest rates have shifted favorably, or simplifying the company's equity profile. The company has provided the Certificate of Elimination as an exhibit for transparency.

Jun 30, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Corporate Update (Jun 25, 2025)

Capital One Financial Corporation (NYSE: COF) filed a Form 8-K on June 25, 2025, announcing that it will fully redeem its 6.125% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series P, along with the corresponding depositary shares. The redemption is scheduled for June 30, 2025 (the Series P Redemption Date). The Series P Depositary Shares (CUSIP: 14040HDL6), each representing a 1/100th interest in a share of Series P Preferred Stock, will be redeemed at $1,000 per depositary share (equivalent to $100,000 per preferred share), plus accrued but undeclared dividends from March 23, 2025 through the day before the redemption date. All 500,000 outstanding depositary shares will be retired. For investors, this is a routine capital management action rather than a signal of operational stress. Redeeming a preferred issue at par-equivalent value removes a fixed-dividend obligation from the capital structure and reduces preferred equity outstanding. The filing does not state the funding source or the regulatory approval status, so investors should check subsequent disclosures or the press release context for whether the call is being replaced with new preferred issuance or funded from common equity or cash. Because the redemption is at the call price, holders receive principal plus accrued dividends and are not exposed to a loss on the call itself. The 8-K reports no financial results, guidance, or changes to Capital One's operations. The most recent balance sheet figures cited, as of March 31, 2025, are $367.5 billion in deposits and $493.6 billion in total assets. The main investor takeaway is that this is a capital-structure housekeeping event affecting preferred shareholders, with limited direct implications for common equity holders beyond a possible change in preferred capital.

Jun 25, 2025 8-K

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Jun 16, 2025)

Capital One Financial Corp (COF) furnished this Form 8-K under Item 7.01 (Regulation FD) to publish its monthly charge-off and delinquency metrics for the month ended May 31, 2025. The exhibit reports legacy Capital One figures only, because the company completed its acquisition of Discover Financial Services effective May 18, 2025, and the metrics exclude Discover operations. The information is furnished rather than filed, so it is not subject to Section 18 liability. For the legacy Domestic Credit Card portfolio, average loans held for investment were $149.6 billion and period-end loans were $152.4 billion. The net charge-off rate was 5.57% on $694 million of net charge-offs, and the 30+ day performing delinquency rate was 3.85% ($5.9 billion). For Consumer Banking Auto, period-end loans were $79.3 billion, the net charge-off rate was 1.04% ($68 million), the 30+ day delinquency rate was 4.70% ($3.7 billion), and the nonperforming loan rate was 0.76% ($605 million). The filing notes that net charge-offs are sensitive to recoveries, including debt sales. For investors, the key point is that this exhibit covers only the legacy business, so it does not show the combined company's credit profile after Discover. The card net charge-off rate of 5.57% and the auto delinquency metrics give a baseline for legacy credit trends. Investors should look to later filings for the first metrics that include Discover, since the acquisition materially changes the scale and mix of the loan book. The filing does not include forward guidance, earnings, or commentary on the acquisition's financial impact.

Jun 16, 2025 8-K

Leadership ChangesExhibits & Filings

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Jun 9, 2025)

Capital One Financial Corporation (COF) has filed an 8-K report on June 8, 2025, primarily to announce its participation in the Morgan Stanley US Financials, Payments & CRE conference. The company will present at this event in New York on June 10, 2025, at 2:30 p.m. ET. Investors interested in Capital One's outlook and strategic commentary should note this presentation as a key upcoming event. A live audio webcast of the presentation will be accessible through Capital One's investor relations website, with a replay available for at least two weeks following the event. This filing, made under Regulation FD, serves to ensure broad and non-discriminatory dissemination of this information. While no specific financial performance data or significant business updates were disclosed in this particular filing, the presentation itself may contain forward-looking statements or insights into the company's current thinking.

Jun 9, 2025 8-K

Leadership Changes

CAPITAL ONE FINANCIAL CORP 8-K Report, Executive Changes (Jun 5, 2025)

Capital One Financial Corporation (COF) has filed an 8-K report on June 5, 2025, detailing significant executive compensation awards. The Compensation Committee and independent directors approved one-time Restricted Stock Unit (RSU) grants for CEO Richard D. Fairbank and other Named Executive Officers. These awards are explicitly in recognition of their work related to the ongoing integration of the Discover business. These grants represent a substantial commitment tied to the successful completion and integration of the Discover acquisition. Mr. Fairbank received 153,351 RSUs valued at approximately $30.0 million, with vesting scheduled for June 3, 2030, and settlement split between cash and stock. Other Named Executive Officers received awards with vesting in June 2028, to be settled entirely in stock. Investors should monitor the progress of the Discover integration and its impact on Capital One's financial performance and stock price as these awards are directly linked to its success.

Jun 5, 2025 8-K/A

CAPITAL ONE FINANCIAL CORP 8-K/A Report, Executive Changes (Jun 5, 2025)

This 8-K/A filing from Capital One Financial Corporation (COF) provides an update regarding the board of directors' committee assignments following the acquisition of Discover Financial Services. The report confirms that as of May 18, 2025, the board size was increased to 15 directors with the appointment of three new directors: Thomas G. Maheras, Michael Shepherd, and Jennifer L. Wong. This filing specifically addresses the committee memberships for these new directors, which were not determined at the time of the initial 8-K filing. Investors can see that these appointments aim to integrate the newly acquired entity and leverage expertise within the board's critical oversight functions.

Jun 5, 2025 8-K/A

Exhibits & Filings

CAPITAL ONE FINANCIAL CORP 8-K/A Report, Exhibit Filing (May 22, 2025)

Capital One (COF) filed this Form 8-K/A to add the financial statements of Discover Financial Services (audited FY2024/2023/2022, unaudited Q1 2025) and unaudited pro forma combined financial information, following the completion of its all-stock acquisition of Discover on May 18, 2025. The pro forma statements are presented for informational purposes only and do not project future results. The filing is an amendment to the original 8-K filed May 19, 2025, and does not otherwise change those disclosures. The key pro forma figures for investors are a preliminary purchase consideration of about $51.6 billion (roughly 256.5 million Capital One shares issued at a 1.0192 exchange ratio, plus $1.06 billion of preferred stock) and preliminary goodwill of about $19.9 billion. Discover's standalone results were solid: 2024 net income of $4.5 billion, diluted EPS of $17.72, and a $450 million one-time gain from the private student loan sale. Discover's allowance for credit losses fell to $8.3 billion at year-end 2024, and Q1 2025 net income was $1.1 billion. Pro forma Q1 2025 net income was about $2.2 billion, and pro forma 2024 income from continuing operations was about $863 million after an $8.1 billion day-one allowance build for non-PCD loans and about $2.5 billion of intangible amortization. The purchase accounting remains preliminary. Capital One notes that the valuation of Discover's assets and liabilities is incomplete, and that roughly $10 billion of acquired debt securities were sold after closing. Investors should therefore treat the pro forma goodwill, intangible amortization, and credit-mark figures as provisional, and expect them to change as the final fair value work is finished.

May 22, 2025 8-K

Leadership ChangesAcquisitions & DispositionsFinancial Events+4

CAPITAL ONE FINANCIAL CORP 8-K Report, Acquisition Completed (May 19, 2025)

On May 18, 2025 (effective May 18, 2025 per the filing), Capital One completed its acquisition of Discover Financial Services, announced February 19, 2024. The transaction was structured as a merger of Merger Sub into Discover followed by a second-step merger of Discover into Capital One, with Discover Bank then merging into Capital One, N.A. Discover common shareholders received 1.0192 Capital One shares for each share held, with cash paid in lieu of fractional shares. The total consideration was approximately 257 million shares of Capital One common stock. Discover's preferred stock (Series C and D) and related depositary shares were exchanged for new Capital One Series O and Series P preferred stock, and outstanding Discover equity awards were converted into Capital One awards, with performance stock units converted to cash-based awards. The filing also details roughly $6.8 billion of assumed debt: Capital One assumed $3,482 million of Discover parent-level senior and retail notes, and Capital One, N.A. assumed $3,300 million of Discover Bank notes and subordinated notes. Capital One's board expanded from 12 to 15 directors, with three former Discover directors (Thomas G. Maheras, Michael Shepherd, and Jennifer L. Wong) appointed. The company also disclosed a $500,000 special cash award to CFO Andrew Young for his contributions to the transaction. Capital One stated that Discover-branded credit cards will continue alongside its existing consumer card lineup, and that the Discover, PULSE, and Diners Club International networks will join its product suite. A $265 billion Community Benefits Plan tied to the deal has now begun implementation. For investors, the key takeaways are the completed share issuance and dilution from the 257 million shares, the assumption of Discover's debt and preferred securities, and the integration risks noted in the forward-looking statements, including whether expected cost savings and revenue synergies will be realized on time. The filing states that the financial statements of the acquired business and pro forma financial information will be filed by amendment within 71 calendar days after the 8-K due date, so detailed purchase accounting and pro forma results are not yet available in this filing.

May 19, 2025 8-K