{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-26-000053","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2026-05-14T21:32:05+00:00","discovered_at":"2026-05-15T10:05:00.280945+00:00","generated_at":"2026-05-15T10:06:11.862286+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Capital One reports April 2026 domestic credit card net charge-off rate of 4.94%","bullets":["Domestic credit card net charge-offs $1,042M, annualized rate 4.94% on average loans $253.1B.","Auto net charge-offs $86M, rate 1.20% on average loans $86.2B.","30+ day performing delinquency: credit card 3.44%, auto 4.02% as of April 30, 2026.","Auto nonperforming loans $477M, rate 0.55% of period-end loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-26-000053","json":"https://secwatch.observer/filing/0000927628-26-000053.json","markdown":"https://secwatch.observer/filing/0000927628-26-000053.md","text":"https://secwatch.observer/filing/0000927628-26-000053.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000053/0000927628-26-000053-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000053/cof-20260514.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T10:06:11.862286+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"}