---
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"
generated_at: "2026-05-15T05:15:37.611646+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Capital One March 2026 credit metrics: card NCO 5.09%, auto NCO 1.44%

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-26-000040
- JSON: https://secwatch.observer/filing/0000927628-26-000040.json
- Plain text: https://secwatch.observer/filing/0000927628-26-000040.txt

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