# EDGAR Filing Document

**Accession Number:** 0000927628
**File Stem:** 0001193125-25-152658
**Filing Date:** 2025-6
**Character Count:** 14762
**Document Hash:** d25b656b61626f38dd3578b61ec5842e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-152658.hdr.sgml**: 20250630

**ACCESSION NUMBER**: 0001193125-25-152658

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20250630

**ITEM INFORMATION**: Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250630

**DATE AS OF CHANGE**: 20250630

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CAPITAL ONE FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000927628
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 541719854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-13300
- **FILM NUMBER:** 251092032

**BUSINESS ADDRESS:**
- **STREET 1:** 1680 CAPITAL ONE DRIVE
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102
- **BUSINESS PHONE:** 7037201000

**MAIL ADDRESS:**
- **STREET 1:** 1680 CAPITAL ONE DRIVE
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** OAKSTONE FINANCIAL CORP
- **DATE OF NAME CHANGE:** 19940728

?xml version='1.0' encoding='ASCII'? 8-K

### 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

#### June 30, 2025

#### Date of Report (Date of earliest event reported)

## CAPITAL ONE FINANCIAL CORPORATION

#### (Exact name of registrant as specified in its charter)

---

| | | |
|:---|:---|:---|
| **Delaware** | **001-13300** | **54-1719854** |
| **(State or other jurisdiction<br>of incorporation)** | **(Commission**<br> **File Number)** | **(IRS Employer<br>Identification No.)** |

---

---

| | |
|:---|:---|
| **1680 Capital One Drive,**<br> **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<br>Symbol(s)** | **Name of Each Exchange**<br> **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 I | COF 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 J | COF 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 K | COF 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 L | COF 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 N | COF PRN | New York Stock Exchange |
| 1.650% Senior Notes Due 2029 | COF29 | 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 5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year.
On June 30, 2025, Capital One Financial Corporation (the "Company") filed a Certificate of Elimination to its Restated Certificate of Incorporation with the Secretary of State of the State of Delaware eliminating from the Restated Certificate of Incorporation all matters set forth in the Certificate of Designations (the "Certificate of Designations") with respect to its 6.125% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series P (the "Series P Preferred Stock").

All outstanding shares of the Series P Preferred Stock were redeemed on June 30, 2025, in accordance with the terms of the Certificate of Designations, resuming their status as authorized but undesignated shares of preferred stock of the Company. A copy of the Certificate of Elimination relating to the Series P Preferred Stock is attached as Exhibit 3.1 to this Current Report on Form 8-K and is incorporated herein by reference.

#### Item 9.01 Financial Statements and Exhibits.
(d) Exhibits

---

| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| 3.1 | [Certificate of Elimination relating to the Series P Preferred Stock, dated June 30, 2025](d926615dex31.htm) |
| 104 | The cover page from this Current Report on Form 8-K, formatted in Inline XBRL |

---

------

#### 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** | **CAPITAL ONE FINANCIAL CORPORATION** |
| Date: June 30, 2025 | By: | /s/ Matthew W. Cooper |
|  |  | Matthew W. Cooper |
|  |  | General Counsel and Corporate Secretary |

---

## Exhibit 3.1

**Exhibit 3.1** 

**CERTIFICATE OF ELIMINATION** 

**OF** 

**6.125% FIXED-RATE RESET NON-CUMULATIVE PERPETUAL** 

**PREFERRED STOCK, SERIES P** 

**OF** 

**CAPITAL ONE FINANCIAL CORPORATION** 

**Pursuant to Section 151 of the** 

**General Corporation Law of the State of Delaware** 

Capital One Financial Corporation, a corporation organized and existing under the General Corporation Law of the State of Delaware (the "Corporation"), does hereby certify as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. At meetings of the Board of Directors (the "Board") of the Corporation duly convened and held on May 15, 2025 and June 24, 2025, the Board duly adopted resolutions authorizing (a) the redemption of the outstanding 5,000 shares of the Corporation's 6.125% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series P (the "Series P Preferred Stock") at a redemption price equal to $100,000 per share of the Series P Preferred Stock, plus an amount equal to the dividends on the Series P Preferred Stock that would have accrued but have not been declared and paid for the period from March 23, 2025, to but excluding the redemption date, (b) the cancellation of all outstanding shares of the Series P Preferred Stock following such redemption, (c) the filing of a Certificate of Elimination with respect to the Series P Preferred Stock, and (d) the Proper Officers (as defined below) of the Corporation, in the name of and on behalf of the Corporation, to make, execute and deliver, or cause to be made, executed and delivered, all such officers' certificates and such other agreements, undertakings, documents or instruments and to take or cause to be taken any and all further actions any such Proper Officer shall approve as necessary, desirable or appropriate to carry out the purpose and intent of the transactions contemplated by any of the foregoing resolutions, with the taking of any such action conclusively establishing the validity thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. All shares of the Series P Preferred Stock have been redeemed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. The "Proper Officers" include each Authorized Executive (as defined herein); the President, U.S. Card; the Executive Vice President, Corporate Development; the Treasurer; their respective assistant officers; and any other executives of the Corporation designated by any Authorized Executive for the purpose of carrying out the foregoing resolutions. The "Authorized Executives" include: the President and Chief Executive Officer; the Chief Financial Officer; and the General Counsel and Corporate Secretary of the Corporation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Franco E. Harris, in his capacity as a Proper Officer, has certified the resolutions set forth below, authorizing a decrease in the number of shares designated as 6.125% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series P, $0.01 par value per share, from 5,000 shares to zero shares.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Pursuant to Section 151 of the General Corporation Law of the State of Delaware, such resolutions shall have the effect of eliminating from the certificate of incorporation of the Corporation all matters set forth in the Certificate of Designations of the Series P Preferred Stock.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. No shares of Series P Preferred Stock remain issued and outstanding.

**NOW, THEREFORE, BE IT RESOLVED**, that following redemption of the Series P Preferred Stock, no further shares of Series P Preferred Stock shall be issued subject to the Certificate of Designations of the Series P Preferred Stock previously filed by the Corporation with the Secretary of State of the State of Delaware on May 16, 2025, effective May 18, 2025 (the "Series P Certificate of Designations");

**FURTHER RESOLVED**, that following redemption of the Series P Preferred Stock, the number of shares designated as Series P Preferred Stock be reduced to zero, which is the number issued and outstanding following the redemption of all the shares of Series P Preferred Stock by the Corporation, in order to allow the 5,000 redeemed shares to resume their status as authorized but undesignated shares of preferred stock of the Corporation, $0.01 par value per share, pursuant to Section 151 of the General Corporation Law of the State of Delaware, such shares thereafter to be available for designation in the future as part of a different series;

**FURTHER RESOLVED**, that the Proper Officers of the Corporation be, and each of them hereby is, authorized and directed, in the name of and on behalf of the Corporation, to execute a Certificate of Elimination of the Series P Preferred Stock, as well as such other certificates or instruments as may be required, to be filed with the Secretary of State of the State of Delaware to evidence the reduction in the number of shares designated as Series P Preferred Stock and the elimination from the certificate of incorporation of the Corporation all matters set forth in the Series P Certificate of Designations, such elimination to be effective upon the filing with the Secretary of State of the State of Delaware of such Certificate of Elimination of the Series P Preferred Stock;

**FURTHER RESOLVED**, that the Proper Officers of the Corporation be, and each of them hereby is, authorized and empowered, in the name of and on behalf of the Corporation, to negotiate, execute and deliver from time to time one or more exchange agent agreements, redemption agent agreements, or other administrative agreements as may be necessary or desirable in connection with the redemption of the Series P Preferred Stock, together with all documents ancillary thereto and to take all such actions, to pay all fees and expenses and to prepare, execute, deliver, file or perform all agreements, applications, notices, certificates, instruments or other documents that may be necessary or desirable to notify the depositary, registrar, transfer agent and redemption agent for the Series P Preferred Stock and the depositary shares, each representing a 1/100<sup>th</sup> ownership interest in a share of the Series P Preferred Stock, of the redemption of the Series P Preferred Stock and the transactions contemplated thereby;

------

**FURTHER RESOLVED**, that any and all actions heretofore or hereafter taken by any of the directors, officers, representatives or agents of the Corporation or any of its subsidiaries in connection with, or otherwise in contemplation of, the transactions contemplated by any of the foregoing resolutions be, and hereby are, ratified, confirmed and approved as the act and deed of the Corporation and/or such subsidiary, as applicable;

**FURTHER RESOLVED**, that the Board hereby adopts and incorporates by reference any form of specific resolution to carry into effect the purpose and intent of the foregoing resolutions, or covering authority included in matters authorized in the foregoing resolutions, including, without limitation, forms of resolutions in connection therewith that may be required by any authority or third party to be adopted or filed in connection with any application, consent to service or other reports, documents or filings relating to these resolutions, if, in the opinion of any Proper Officer, the adoption of such resolution is necessary or advisable, and the Secretary of the Corporation hereby is directed to insert a copy thereof in the minute books of the Corporation following any such action and to certify the same as having been duly adopted thereby; and

**FURTHER RESOLVED**, that any resolutions inconsistent with the foregoing or with any action of any Proper Officer pursuant to the foregoing are hereby modified or rescinded so as to be consistent herewith and therewith.

[*Remainder of Page Intentionally Left Blank*]

------

IN WITNESS WHEREOF, Capital One Financial Corporation has caused this Certificate of Elimination to be signed by the undersigned as of this 30<sup>th</sup> day of June, 2025.

---

| |
|:---|
| /s/ Franco E. Harris |
| Franco E. Harris |
| Managing Vice President, Corporate<br> Treasury, Assistant Treasurer |

---

[*Signature Page to Series P Preferred Stock Certificate of Elimination*]