---
schema_version: "secwatch.filing_event.v1"
accession: "0000927628-25-000288"
form_type: "8-K"
ticker: "COF"
cik: "0000927628"
company_name: "CAPITAL ONE FINANCIAL CORP"
filed_at: "2025-12-15T23:59:59+00:00"
generated_at: "2026-05-16T13:19:19.164293+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Capital One Nov 2025 credit metrics: Domestic Card charge-off rate 5.02%, Auto 1.71%

## Summary
- Domestic credit card net charge-offs $1,060M; annualized rate 5.02% as of Nov 30, 2025.
- Auto loan net charge-offs $118M; annualized rate 1.71% as of Nov 30, 2025.
- 30+ day performing delinquencies: Domestic Card 4.01%, Auto 5.02%; nonperforming auto loans 0.64%.

## SEC filing metadata
- accession: 0000927628-25-000288
- form_type: 8-K
- ticker: COF
- cik: 0000927628
- company_name: CAPITAL ONE FINANCIAL CORP
- filed_at: 2025-12-15T23:59:59+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/927628/000092762825000288/0000927628-25-000288-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000092762825000288/cof-20251212.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-25-000288
- JSON: https://secwatch.observer/filing/0000927628-25-000288.json
- Plain text: https://secwatch.observer/filing/0000927628-25-000288.txt

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