Does this filing contain new financial statements or material business events?

No, this filing does not contain new audited financial statements or disclose significant new material business events. It is specifically focused on providing monthly credit performance metrics.

What are charge-off and delinquency metrics, and why are they important for investors?

Charge-off metrics indicate the value of loans deemed uncollectible and written off by the company. Delinquency metrics track loans that are past their due date. These metrics are crucial for investors as they provide insights into the credit quality of the company's loan portfolio, potential future losses, and the effectiveness of its underwriting and collection processes.

Will this information be considered 'filed' with the SEC, and does it create legal liability?

The information furnished under Item 7.01 (Regulation FD Disclosure) is not considered "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, and therefore does not subject the company to the liabilities of that Section. It is provided for informational purposes.

CAPITAL ONE FINANCIAL CORP 8-K: Regulation FD

Q: What is the main purpose of this 8-K filing?

The primary purpose of this 8-K filing is to furnish Capital One's monthly charge-off and delinquency metrics for the month ended December 31, 2025, in accordance with Regulation FD.

Summary

Capital One Financial Corporation (COF) has filed an 8-K report on January 22, 2026, primarily to disclose its monthly charge-off and delinquency metrics for the period ending December 31, 2025. This filing, furnished under Regulation FD, provides investors with key performance indicators for the company's credit portfolio. While not deemed "filed" for liability purposes under Section 18 of the Securities Exchange Act, this data offers a timely snapshot of the credit quality and potential risk within Capital One's loan book as the year concluded.

Key Highlights

1Disclosure of monthly charge-off and delinquency metrics for December 2025.
2Information furnished under Regulation FD, providing timely credit portfolio performance data.
3Indicates the company is providing ongoing updates on key credit risk indicators.
4Includes Exhibit 99.1, containing the detailed charge-off and delinquency data for the specified month.
5The filing serves as an update on the company's credit performance at the end of the fiscal year 2025.

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Jan 22, 2026)

Summary

Key Highlights

Frequently Asked Questions