{"schema_version":"secwatch.filing_event.v1","accession":"0000927628-26-000093","form_type":"8-K","ticker":"COF","cik":"0000927628","company_name":"CAPITAL ONE FINANCIAL CORP","filed_at":"2026-08-14T21:32:29+00:00","discovered_at":"2026-08-17T10:05:03.450369+00:00","generated_at":"2026-08-17T10:06:10.638027+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"confidence":"high","headline":"Capital One July 2026 credit metrics: card NCO rate 4.12%, auto NCO 1.48%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000927628-26-000093","json":"https://secwatch.observer/filing/0000927628-26-000093.json","markdown":"https://secwatch.observer/filing/0000927628-26-000093.md","text":"https://secwatch.observer/filing/0000927628-26-000093.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000093/0000927628-26-000093-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000093/cof-20260814.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-17T10:06:10.638027+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"}