{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-25-000052","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2025-02-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.849980+00:00","generated_at":"2026-05-26T18:47:31.298535+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"confidence":"high","headline":"Capital One reports Jan 2025 credit card net charge-off rate 6.12%, auto 1.95%","bullets":["Credit card net charge-off rate 6.12% on $151.7B avg loans; domestic segment.","Auto net charge-off rate 1.95% on $77.0B avg loans; $686M nonperforming (0.89%).","30+ day performing delinquency: credit card 4.61%, auto 5.63%.","Monthly operational metrics furnished; no change to guidance or outlook."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-25-000052","json":"https://secwatch.observer/filing/0000927628-25-000052.json","markdown":"https://secwatch.observer/filing/0000927628-25-000052.md","text":"https://secwatch.observer/filing/0000927628-25-000052.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000052/0000927628-25-000052-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000052/cof-20250214.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T18:47:31.298535+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}