---
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"
generated_at: "2026-08-17T10:06:10.638027+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.45
calibrated_materiality_score: 0.45
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.45
- calibrated_materiality_score: 0.45
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-26-000093
- JSON: https://secwatch.observer/filing/0000927628-26-000093.json
- Plain text: https://secwatch.observer/filing/0000927628-26-000093.txt

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