---
schema_version: "secwatch.filing_event.v1"
accession: "0000927628-26-000143"
form_type: "8-K"
ticker: "COF"
cik: "0000927628"
company_name: "CAPITAL ONE FINANCIAL CORP"
filed_at: "2026-10-20T20:06:56+00:00"
generated_at: "2026-10-20T20:08:11.101857+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.4
calibrated_materiality_score: 0.4
confidence: "high"
source: SEC EDGAR
---

# Capital One reports September 2026 domestic card charge-off rate 3.66%, 30+ day delinquency 3.74%

## Summary
- Domestic credit card: $787M net charge-offs in September on average loans of $257,744M, a 3.66% annualized charge-off rate.
- Domestic card 30+ day performing delinquencies were $9,741M, or 3.74% of period-end loans of $260,252M.
- Auto: $125M net charge-offs at a 1.62% rate; 30+ day delinquencies $4,314M (4.64%); nonperforming loans $603M (0.65%).
- Credit card nonperforming loans were listed as N/A; the exhibit covers only the month ended September 30, 2026, with no prior-month comparison.

## SEC filing metadata
- accession: 0000927628-26-000143
- form_type: 8-K
- ticker: COF
- cik: 0000927628
- company_name: CAPITAL ONE FINANCIAL CORP
- filed_at: 2026-10-20T20:06:56+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.4
- calibrated_materiality_score: 0.4
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/927628/000092762826000143/0000927628-26-000143-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/927628/000092762826000143/cof-20261020.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927628-26-000143
- JSON: https://secwatch.observer/filing/0000927628-26-000143.json
- Plain text: https://secwatch.observer/filing/0000927628-26-000143.txt

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