---
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"
generated_at: "2026-05-17T03:10:21.385882+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Capital One reports Sept 2025 credit card NCO rate 4.35%, auto NCO rate 1.46%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000268
- JSON: https://secwatch.observer/filing/0000927628-25-000268.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000268.txt

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