{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-25-000283","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2025-11-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.647641+00:00","generated_at":"2026-05-16T19:35:35.358846+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 October 2025 credit card NCO rate 4.77%, auto NCO rate 1.67%","bullets":["Credit card loans: net charge-off rate 4.77%, 30+ day performing delinquency rate 3.99%.","Auto loans: net charge-off rate 1.67%, 30+ day performing delinquency rate 4.97%, nonperforming loan rate 0.64%.","Domestic credit card average loans $252.3B, period-end $254.2B; auto average $82.2B, period-end $82.5B."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-25-000283","json":"https://secwatch.observer/filing/0000927628-25-000283.json","markdown":"https://secwatch.observer/filing/0000927628-25-000283.md","text":"https://secwatch.observer/filing/0000927628-25-000283.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000283/0000927628-25-000283-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762825000283/cof-20251114.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T19:35:35.358846+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"}