---
schema_version: "secwatch.filing_event.v1"
accession: "0000927628-26-000019"
form_type: "8-K"
ticker: "COF"
cik: "0000927628"
company_name: "CAPITAL ONE FINANCIAL CORP"
filed_at: "2026-02-17T23:59:59+00:00"
generated_at: "2026-05-16T02:40:58.335526+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 Jan 2026 credit card net charge-off rate 5.04%, auto 1.94%

## Summary
- 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).

## SEC filing metadata
- accession: 0000927628-26-000019
- form_type: 8-K
- ticker: COF
- cik: 0000927628
- company_name: CAPITAL ONE FINANCIAL CORP
- filed_at: 2026-02-17T23:59:59+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/927628/000092762826000019/0000927628-26-000019-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000092762826000019/cof-20260213.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-26-000019
- JSON: https://secwatch.observer/filing/0000927628-26-000019.json
- Plain text: https://secwatch.observer/filing/0000927628-26-000019.txt

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