{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-26-000066","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2026-06-12T21:34:10+00:00","discovered_at":"2026-06-15T10:05:00.320213+00:00","generated_at":"2026-06-15T10:06:54.575167+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Capital One May 2026 credit card NCO rate 4.82%; auto NCO rate 1.45%","bullets":["Domestic credit card net charge-off rate 4.82% annualized; $1,022M net charge-offs on $254,552M avg loans.","Auto net charge-off rate 1.45%; $105M net charge-offs on $87,337M avg loans.","30+ day performing delinquency rate: credit card 3.33%, auto 4.24%.","Nonperforming loan rate for auto 0.62% ($549M); credit card NPL not reported."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-26-000066","json":"https://secwatch.observer/filing/0000927628-26-000066.json","markdown":"https://secwatch.observer/filing/0000927628-26-000066.md","text":"https://secwatch.observer/filing/0000927628-26-000066.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000066/0000927628-26-000066-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000066/cof-20260612.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-15T10:06:54.575167+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"}