{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-26-000040","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2026-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.945810+00:00","generated_at":"2026-05-15T05:15:37.611646+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 March 2026 credit metrics: card NCO 5.09%, auto NCO 1.44%","bullets":["Domestic credit card net charge-off rate of 5.09% on $250.9B average loans.","Auto loan net charge-off rate of 1.44% on $85.1B average loans.","30+ day performing delinquency rate: card 3.70%, auto 4.21%.","Auto nonperforming loan rate 0.55%; no prior-period comps provided.","Billed finance charges/fees excluded from NCOs per footnote (uncollectible portion reduces revenue)."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-26-000040","json":"https://secwatch.observer/filing/0000927628-26-000040.json","markdown":"https://secwatch.observer/filing/0000927628-26-000040.md","text":"https://secwatch.observer/filing/0000927628-26-000040.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000040/0000927628-26-000040-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000040/cof-20260421.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:15:37.611646+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"}