{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-25-000241","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.726533+00:00","generated_at":"2026-05-18T04:53:06.473664+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Capital One reports June 2025 monthly charge-off and delinquency metrics, first post-Discover close","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-25-000241","json":"https://secwatch.observer/filing/0000927628-25-000241.json","markdown":"https://secwatch.observer/filing/0000927628-25-000241.md","text":"https://secwatch.observer/filing/0000927628-25-000241.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000241/0000927628-25-000241-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000241/cof-20250722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:53:06.473664+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"}