Capital One reports June 2025 monthly charge-off and delinquency metrics, first post-Discover close

CAPITAL ONE FINANCIAL CORP

Domestic Card net charge-off rate 4.96% (annualized); Auto net charge-off rate 1.69%.
30+ day performing delinquency rate: Domestic Card 3.60%; Auto 4.84%.
Discover Domestic net charge-off rate 4.47%, reduced by $39M accelerated charge-offs from bankrupt/deceased accounts.
Excluding accelerated impact, Discover Domestic rate would be 4.94%; Total Domestic Card 5.15%.
Charge-offs exclude $18.0B of fully charged-off acquired Discover loans.

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