01—Abstract
Summary
Summary of the 8-K filed October 20, 2026. Cited figures are marked; the original filing is the authoritative source.
Capital One Financial Corporation (COF) has filed an 8-K report on October 20, 2026, providing an update on its monthly charge-off and delinquency metrics for the period ending September 30, 2026.
The filing is furnished under Regulation FD and primarily includes data on credit card and consumer banking (auto loans) segments. Investors should note that this information is not deemed 'filed' for purposes of Section 18 of the Exchange Act, nor is it incorporated into other filings. Key metrics presented include net charge-off rates and 30+ day delinquency rates.
For credit cards, the net charge-off rate was 3.66%a and the 30+ day performing delinquency rate was 3.74%. For auto loans, the net charge-off rate was 1.62% and the 30+ day performing delinquency rate was 4.64%. These figures offer a snapshot of credit quality within Capital One's loan portfolio as of the end of September 2026.
02—Key points
Key Highlights
- Capital One released its monthly charge-off and delinquency metrics for September 30, 2026, via an 8-K filing.
- The filing includes data for both Credit Card and Consumer Banking (Auto) loan portfolios.
- The Credit Card net charge-off rate for the period was 3.66%.
- The Credit Card 30+ day performing delinquency rate stood at 3.74%.
- The Auto loan net charge-off rate was 1.62%.
- The Auto loan 30+ day performing delinquency rate was 4.64%.
- The data is furnished under Regulation FD and not considered 'filed' under Section 18 of the Exchange Act.
03—Questions
Frequently Asked Questions
What is the primary purpose of this 8-K filing?
The primary purpose of this 8-K filing is to furnish Capital One Financial Corporation's monthly charge-off and delinquency metrics for the period ending September 30, 2026, in accordance with Regulation FD.
What specific loan categories are covered in the provided metrics?
The filing provides metrics for Credit Card (Domestic) and Consumer Banking (Auto) loan portfolios.
How are the net charge-off and delinquency rates calculated?
The net charge-off rate is calculated by dividing annualized net charge-offs for the period by average loans held for investment. The 30+ day performing delinquency rate is calculated by dividing 30+ day performing delinquent loans as of the period-end by period-end loans held for investment for the specified category.
Does this filing have implications under Section 18 of the Securities Exchange Act of 1934?
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 therefore does not subject the company to liabilities under that section.
04—Continue