{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-25-000167","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2025-05-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.857369+00:00","generated_at":"2026-05-21T07:19:21.213374+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Capital One April 2025 credit card NCO rate 5.66%; auto NCO rate 1.01%","bullets":["Domestic credit card net charge-offs totaled $702M (5.66% annualized rate) on avg loans of $148.8B.","Auto net charge-offs were $66M (1.01% rate) on avg loans of $78.1B.","Credit card 30+ day performing delinquency 3.95% ($5.95B); auto 30+ day 4.86% ($3.82B).","Auto nonperforming loans $564M, 0.72% of period-end loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-25-000167","json":"https://secwatch.observer/filing/0000927628-25-000167.json","markdown":"https://secwatch.observer/filing/0000927628-25-000167.md","text":"https://secwatch.observer/filing/0000927628-25-000167.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000167/0000927628-25-000167-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000167/cof-20250514.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-21T07:19:21.213374+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"}