{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-26-000004","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.070174+00:00","generated_at":"2026-05-16T09:12:03.619424+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 Dec 2025 credit card net charge-off rate 5.01%, auto 2.07%","bullets":["Credit card domestic net charge-offs: $1,085M, rate 5.01% (annualized).","Credit card 30+ day performing delinquencies: $10,471M, rate 3.99%.","Auto net charge-offs: $144M, rate 2.07% (annualized).","Auto 30+ day performing delinquencies: $4,371M, rate 5.23%.","Auto nonperforming loans: $566M, rate 0.68%."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-26-000004","json":"https://secwatch.observer/filing/0000927628-26-000004.json","markdown":"https://secwatch.observer/filing/0000927628-26-000004.md","text":"https://secwatch.observer/filing/0000927628-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000004/0000927628-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000004/cof-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:12:03.619424+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"}