8-KRegulation FDExhibits & Filings

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

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

Summary

Capital One Financial Corporation (COF) has filed an 8-K report on August 17, 2026, primarily to furnish its monthly charge-off and delinquency metrics for the period ending July 31, 2026. This filing, made under Regulation FD, provides investors with timely, albeit unaudited, data regarding the company's credit performance. The key information revolves around the trends in credit card delinquencies and charge-offs, which are crucial indicators of asset quality and potential future loan losses for a financial institution like Capital One. Investors should pay close attention to the specific percentages and trends presented in Exhibit 99.1. Increases in charge-off rates or a rise in the number of accounts past due could signal deteriorating credit conditions within Capital One's customer base, potentially impacting future profitability and capital adequacy. Conversely, stable or declining metrics would suggest continued credit resilience. It's important to note that this information is furnished and not deemed "filed," meaning it's for disclosure purposes and not subject to the same liability as formally filed financial statements. However, it remains a valuable supplement for ongoing investor analysis.

Key Highlights

  • 1Capital One Financial Corporation (COF) released monthly charge-off and delinquency metrics for July 31, 2026, via an 8-K filing.
  • 2The filing provides an update on the company's asset quality and credit performance.
  • 3Key data points likely include trends in 30+ day and 90+ day delinquencies for credit cards and other loan products.
  • 4Charge-off rates for the month of July 2026 are presented, offering insight into net credit losses.
  • 5This information is furnished under Regulation FD for timely disclosure to investors.
  • 6The data is unaudited and intended as a supplement to regular financial reporting.
  • 7Exhibit 99.1 contains the detailed monthly charge-off and delinquency metrics.

Frequently Asked Questions

The primary purpose of this 8-K filing is to provide investors with timely, unaudited monthly charge-off and delinquency metrics for Capital One Financial Corporation as of and for the month ended July 31, 2026, in accordance with Regulation FD.

The specific charge-off and delinquency data is located in Exhibit 99.1, titled 'Monthly Charge-Off and Delinquency Metrics - As of and for the month ended July 31, 2026'.

No, the information furnished under Item 7.01, including Exhibit 99.1, is not deemed 'filed' for the purposes of Section 18 of the Securities Exchange Act of 1934 and is therefore not subject to the liabilities of that Section. It is provided for disclosure purposes.

Investors should interpret these monthly metrics as leading indicators of credit quality trends. Increases in delinquency and charge-off rates may signal potential headwinds for the company's loan portfolio, while stable or decreasing rates suggest continued credit strength. It's advisable to compare these figures to previous months and the company's historical trends, as well as to industry benchmarks, for a comprehensive analysis.