---
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"
generated_at: "2026-05-21T07:19:21.213374+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Capital One April 2025 credit card NCO rate 5.66%; auto NCO rate 1.01%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000167
- JSON: https://secwatch.observer/filing/0000927628-25-000167.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000167.txt

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