---
schema_version: "secwatch.filing_event.v1"
accession: "0000927628-25-000252"
form_type: "8-K"
ticker: "COF"
cik: "0000927628"
company_name: "CAPITAL ONE FINANCIAL CORP"
filed_at: "2025-08-15T23:59:59+00:00"
generated_at: "2026-05-17T12:42:11.968800+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Capital One July 2025 credit metrics: Credit Card NCO rate 4.83%, Auto 1.59%

## Summary
- Domestic Credit Card net charge-offs $1,010M; annualized NCO rate 4.83%.
- Credit Card 30+ day performing delinquency rate 3.67% on period-end loans $254.1B.
- Auto loan net charge-offs $106M; annualized NCO rate 1.59%.
- Auto 30+ day delinquency rate 5.05%; nonperforming loan rate 0.75%.
- Data as of July 31, 2025; no prior-period comparisons provided.

## SEC filing metadata
- accession: 0000927628-25-000252
- form_type: 8-K
- ticker: COF
- cik: 0000927628
- company_name: CAPITAL ONE FINANCIAL CORP
- filed_at: 2025-08-15T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/927628/000092762825000252/0000927628-25-000252-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000092762825000252/cof-20250814.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000252
- JSON: https://secwatch.observer/filing/0000927628-25-000252.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000252.txt

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