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Capital One10-K: AI investment

Flags risks from extensive use of data models and evolving AI adoption.

Read at SEC EDGAR

What happened

The company's increasing reliance on AI and complex data models creates risks of errors, bias, and unintended consequences, which could result in financial loss or regulatory scrutiny. This indicates a need for AI governance, model risk management (MRM), and explainable AI (XAI) solutions to mitigate these specific, high-stakes risks.

Source

SEC EDGARFeb 19, 2026

Annual report (Form 10-K)

Capital One 10-K for FY2025

Filing excerpt

We face risks resulting from the extensive use of models and data, as well as from our evolving use of AI.

sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htmRead the full source

Other signals in this filing (11)

Extracted by Autobound

From the Signal API record
Signal
10-K: AI investment

What this signalsFilings often name leadership changes, deals and spending plans.

Period
FY2025
Fiscal year end
12/31
Filed
Feb 19, 2026

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The full record

From the Signal API record

Details

CIK
927628
Accession number
0000927628-26-000024
Filing year
2026
Why it matters
Target for AI vendors
Signal category
Technology

Topics and mentions

Technologies

  • AI

Extraction

Confidence
High
Relevance
80%
Sentiment
Negative
Detected
Feb 24, 2026
signal_type
sec-10k
signal_subtype
aiInvestment

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The API returns more than this page shows

This page shows a preview. The full sec-10k record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.

Company

  • linkedin_urlValue in the API
  • industriesValue in the API
  • employee_count_lowValue in the API
  • employee_count_highValue in the API
  • revenueValue in the API
  • descriptionValue in the API

Signal

  • signal_nameValue in the API
  • associationValue in the API
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Show the full JSONThe record on this page and the API request

GET /v1/signals/1340c3ea-1f5f-410b-984d-c9112015d547 returns this record as JSON. POST /v1/companies/enrich returns every signal for capitalone.com.

{
  "signal_id": "1340c3ea-1f5f-410b-984d-c9112015d547",
  "signal_type": "sec-10k",
  "signal_subtype": "aiInvestment",
  "detected_at": "2026-02-24T09:19:18.734+00:00",
  "company": {
    "name": "Capital One",
    "domain": "capitalone.com"
  },
  "data": {
    "detail": "The company's increasing reliance on AI and complex data models creates risks of errors, bias, and unintended consequences, which could result in financial loss or regulatory scrutiny. This indicates a need for AI governance, model risk management (MRM), and explainable AI (XAI) solutions to mitigate these specific, high-stakes risks.",
    "summary": "Flags risks from extensive use of data models and evolving AI adoption.",
    "excerpts": "We face risks resulting from the extensive use of models and data, as well as from our evolving use of AI.",
    "relevance": 0.8,
    "sentiment": "negative",
    "confidence": "high",
    "source_url": "https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm",
    "filing_date": "2026-02-19",
    "filing_year": 2026,
    "fiscal_year_end": "12/31",
    "sales_relevance": "Target for AI vendors",
    "signal_category": "technology",
    "technologies_mentioned": [
      "AI"
    ]
  }
}

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