{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-25-000268","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2025-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.647187+00:00","generated_at":"2026-05-17T03:10:21.385882+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Capital One reports Sept 2025 credit card NCO rate 4.35%, auto NCO rate 1.46%","bullets":["Credit Card domestic net charge-off rate 4.35% for September 2025; 30+ day performing delinquency rate 3.89%.","Auto net charge-off rate 1.46%; 30+ day performing delinquency rate 4.99%.","Auto nonperforming loan rate 0.71% as of period-end; average loans held for investment $81.8B auto, $252.6B credit card."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-25-000268","json":"https://secwatch.observer/filing/0000927628-25-000268.json","markdown":"https://secwatch.observer/filing/0000927628-25-000268.md","text":"https://secwatch.observer/filing/0000927628-25-000268.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000268/0000927628-25-000268-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000268/cof-20251021.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:10:21.385882+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"}