secwatch.observer — SEC 8-K summary
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Issuer:     CAPITAL ONE FINANCIAL CORP (COF)
CIK:        0000927628
Form:       8-K
Filed at:   2026-02-17T23:59:59+00:00
Accession:  0000927628-26-000019
Event type: other_material
Sentiment:  neutral
Materiality: 0.50
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/927628/000092762826000019/0000927628-26-000019-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/927628/000092762826000019/cof-20260213.htm
  HTML page:      https://secwatch.observer/filing/0000927628-26-000019

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer