Capital One reports Jan 2026 credit card net charge-off rate 5.04%, auto 1.94%

CAPITAL ONE FINANCIAL CORP

Domestic credit card net charge-offs $1,082M on $257B average loans, annualized rate 5.04%.
30+ day performing delinquency rate on credit card: 4.04% ($10.4B).
Auto net charge-offs $136M on $84B average loans, annualized rate 1.94%.
Auto 30+ day performing delinquency rate: 4.76% ($4.0B); nonperforming loan rate: 0.63% ($531M).

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