---
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"
generated_at: "2026-05-16T09:12:03.619424+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 Dec 2025 credit card net charge-off rate 5.01%, auto 2.07%

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/927628/000092762826000004/0000927628-26-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000092762826000004/cof-20260122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-26-000004
- JSON: https://secwatch.observer/filing/0000927628-26-000004.json
- Plain text: https://secwatch.observer/filing/0000927628-26-000004.txt

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