{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-26-000028","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2026-03-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.071197+00:00","generated_at":"2026-05-15T12:16:29.318866+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Capital One February credit card net charge-off rate 5.17%; auto 1.54%","bullets":["Domestic credit card net charge-off rate of 5.17% (annualized) for February 2026.","Auto loan net charge-off rate of 1.54% (annualized) for February 2026.","30+ day performing delinquency rate: credit card 3.96%, auto 4.08% as of Feb 28, 2026.","Auto nonperforming loan rate of 0.60% as of period-end; credit card nonperforming N/A."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-26-000028","json":"https://secwatch.observer/filing/0000927628-26-000028.json","markdown":"https://secwatch.observer/filing/0000927628-26-000028.md","text":"https://secwatch.observer/filing/0000927628-26-000028.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000028/0000927628-26-000028-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000028/cof-20260313.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T12:16:29.318866+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"}