{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-25-000120","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2025-03-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.850522+00:00","generated_at":"2026-05-24T17:27:59.472595+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"confidence":"high","headline":"Capital One reports Feb 2025 credit card net charge-off rate 6.35%, auto 1.48%","bullets":["Domestic credit card net charge-off rate 6.35% ($790M annualized); 30+ day delinquency rate 4.52%.","Auto loan net charge-off rate 1.48% ($95M annualized); 30+ day delinquency rate 5.02%.","Auto nonperforming loan rate 0.83% ($642M) as of Feb 28, 2025.","Average credit card loans held for investment $149.4B; auto $77.4B for the month."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-25-000120","json":"https://secwatch.observer/filing/0000927628-25-000120.json","markdown":"https://secwatch.observer/filing/0000927628-25-000120.md","text":"https://secwatch.observer/filing/0000927628-25-000120.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000120/0000927628-25-000120-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000120/cof-20250314.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T17:27:59.472595+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"}