---
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"
generated_at: "2026-05-26T18:47:31.298535+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.35
calibrated_materiality_score: 0.35
confidence: "high"
source: SEC EDGAR
---

# Capital One reports Jan 2025 credit card net charge-off rate 6.12%, auto 1.95%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.35
- calibrated_materiality_score: 0.35
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000052
- JSON: https://secwatch.observer/filing/0000927628-25-000052.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000052.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.