Celia Karam - 09 Mar 2026 Form 4 Insider Report for CAPITAL ONE FINANCIAL CORP (COF)

Role: Pres, Retail Bank
Signature: /s/ Blaise F. Brennan (POA on file)
Issuer symbol: COF
Transactions as of: 09 Mar 2026
Net transactions value: $0
Form type: 4
Filing time: 11 Mar 2026, 16:51:20 UTC
Previous filing: 03 Mar 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Karam Celia	Pres, Retail Bank	1680 CAPITAL ONE DRIVE, MCLEAN	/s/ Blaise F. Brennan (POA on file)	11 Mar 2026	0001741344

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	COF	Common Stock	Award		+7,429	+12%	$0.000000^*	67,768	09 Mar 2026	Direct	F1
transaction	COF	Common Stock	Tax liability		-3,351	-4.9%	$185.73^*	64,417	09 Mar 2026	Direct	F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	These shares were earned pursuant to an award of performance shares granted on January 26, 2023, as amended on November 2, 2023, based on the Company's Common Dividends + Growth of Tangible Book Value per Share and Adjusted ROTCE against a peer group of companies over a three-year performance period. These shares represent the number of shares paid out based on actual performance plus the dividend shares accrued under the same grant.
F2	These shares were automatically withheld by the Company to satisfy the reporting person's tax obligation associated with the settlement of the performance shares. This share withholding was authorized in the performance share award agreement.

Content

These shares were earned pursuant to an award of performance shares granted on January 26, 2023, as amended on November 2, 2023, based on the Company's Common Dividends + Growth of Tangible Book Value per Share and Adjusted ROTCE against a peer group of companies over a three-year performance period. These shares represent the number of shares paid out based on actual performance plus the dividend shares accrued under the same grant.

These shares were automatically withheld by the Company to satisfy the reporting person's tax obligation associated with the settlement of the performance shares. This share withholding was authorized in the performance share award agreement.