8-KRegulation FDExhibits & Filings

CAPITAL ONE FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Feb 17, 2026)

Filed February 17, 2026For Securities:COFCOF-PLCOF-PICOF-PKCOF-PNCOF-PJ

Summary

Capital One Financial Corporation (COF) has filed an 8-K report on February 16, 2026, primarily to disclose its monthly charge-off and delinquency metrics for the period ending January 31, 2026. This filing is furnished under Regulation FD and does not constitute a formal filing for Section 18 of the Securities Exchange Act. Investors should review the provided data, found in Exhibit 99.1, for insights into the company's credit performance at the beginning of 2026. The core of this report lies in the monthly charge-off and delinquency data, which offers a near real-time glimpse into the quality of Capital One's loan portfolio. While the 8-K itself does not contain detailed financial analysis or forward-looking statements, the furnished exhibit is crucial for monitoring trends in credit losses and potential borrower stress. Investors and analysts will be looking for stability or changes in these metrics compared to prior periods to assess the company's risk management and overall financial health.

Key Highlights

  • 1Disclosure of January 2026 monthly charge-off and delinquency metrics.
  • 2Filing furnished under Regulation FD, not deemed 'filed' for Section 18 purposes.
  • 3Exhibit 99.1 contains the detailed charge-off and delinquency data.
  • 4Provides investors with near real-time credit performance indicators.
  • 5Allows for monitoring of trends in loan portfolio quality.
  • 6Includes the cover page of the report in Inline XBRL format (Exhibit 104).

Frequently Asked Questions

The primary purpose of this 8-K filing is to publicly disclose Capital One's monthly charge-off and delinquency metrics for the month ended January 31, 2026. This information is provided to investors and the market under Regulation FD.

The detailed charge-off and delinquency data is located in Exhibit 99.1, which is furnished as part of this 8-K filing.

No, this filing does not contain new formal financial statements or significant business updates. It is specifically focused on furnishing monthly credit performance metrics and does not trigger the requirements for other 8-K items beyond Regulation FD disclosure.

This information provides investors with a timely snapshot of Capital One's credit portfolio health. Monitoring charge-off and delinquency rates helps investors assess credit risk, the effectiveness of the company's underwriting and collection strategies, and potential impacts on future earnings and loan loss provisions.