CAPITAL ONE FINANCIAL CORP — Form 8-K
Filed July 21, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 28/100
What the filing says
Capital One reported Q2 2026 net income of $3.0 billion ($4.73 diluted EPS), compared to a loss of $4.3 billion in Q2 2025. The company is 14 months into Discover integration (completed May 2025, all-stock) and completed Brex acquisition on April 7, 2026 (stock and cash). Q2 adjustments: $494M acquisition amortization ($0.60 EPS), $298M Discover integration costs ($0.36 EPS), $96M Brex integration costs ($0.12 EPS). Total loans grew 2% to $457.2B; deposits declined 1% to $484.3B. Adjusted EPS of $5.81 excludes integration items.
Why this rating
Strong earnings rebound from prior-year loss, but company scale is $135B. Integration costs are manageable (~0.8% of EPS). Growth and margins improving; no material new risks disclosed.
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