---
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"
generated_at: "2026-05-16T19:35:35.358846+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 October 2025 credit card NCO rate 4.77%, auto NCO rate 1.67%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/927628/000092762825000283/0000927628-25-000283-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000092762825000283/cof-20251114.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000283
- JSON: https://secwatch.observer/filing/0000927628-25-000283.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000283.txt

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