---
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"
generated_at: "2026-05-18T04:53:06.473664+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000241
- JSON: https://secwatch.observer/filing/0000927628-25-000241.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000241.txt

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