---
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"
generated_at: "2026-05-15T10:06:11.862286+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Capital One reports April 2026 domestic credit card net charge-off rate of 4.94%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-26-000053
- JSON: https://secwatch.observer/filing/0000927628-26-000053.json
- Plain text: https://secwatch.observer/filing/0000927628-26-000053.txt

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