---
schema_version: "secwatch.filing_event.v1"
accession: "0000927628-25-000226"
form_type: "8-K"
ticker: "COF"
cik: "0000927628"
company_name: "CAPITAL ONE FINANCIAL CORP"
filed_at: "2025-06-16T23:59:59+00:00"
generated_at: "2026-05-19T07:26:10.339094+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Capital One reports May 2025 credit card NCO rate 5.57%, notes Discover acquisition completed May 18

## Summary
- Domestic credit card net charge-off rate of 5.57% (annualized) for May 2025.
- Credit card 30+ day performing delinquency rate of 3.85% as of May 31.
- Auto loan net charge-off rate of 1.04%; 30+ day performing delinquency rate 4.70%.
- Legacy Capital One only; Discover operations excluded from reported metrics.
- Acquisition of Discover Financial Services closed on May 18, 2025.

## SEC filing metadata
- accession: 0000927628-25-000226
- form_type: 8-K
- ticker: COF
- cik: 0000927628
- company_name: CAPITAL ONE FINANCIAL CORP
- filed_at: 2025-06-16T23:59:59+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/927628/000092762825000226/0000927628-25-000226-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000092762825000226/cof-20250613.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000226
- JSON: https://secwatch.observer/filing/0000927628-25-000226.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000226.txt

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