Capital One July 2026 credit metrics: card NCO rate 4.12%, auto NCO 1.48%

CAPITAL ONE FINANCIAL CORP

Domestic credit card net charge-offs $881M, annualized rate 4.12% on $256.7B average loans.
Credit card 30+ day performing delinquencies $9,014M, 3.48% of $258.9B period-end loans.
Auto net charge-offs $111M, rate 1.48%; 30+ day delinquencies $3,979M at 4.39%.
Auto nonperforming loans $571M, 0.63% of $90.5B period-end auto loans.

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