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Capital One (NYSE: COF) posts February 2026 credit and delinquency data

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(Moderate)
Filing Sentiment
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

Capital One Financial Corporation furnished updated credit quality metrics for the month ended February 28, 2026. In its domestic credit card portfolio, average loans held for investment were 253,811 (dollars in millions), with net charge-offs of 1,094 and a net charge-off rate of 5.17%. Thirty-plus day performing delinquencies in this portfolio totaled 10,005, for a delinquency rate of 3.96%.

In consumer banking auto loans, average loans held for investment were 84,462 (dollars in millions), with net charge-offs of 108 and a net charge-off rate of 1.54%. Thirty-plus day performing delinquencies in auto were 3,449, a 4.08% delinquency rate, and nonperforming auto loans were 504, representing a nonperforming loan rate of 0.60%.

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Item 7.01 Regulation FD Disclosure Disclosure
Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.
Item 9.01 Financial Statements and Exhibits Exhibits
Financial statements, pro forma financial information, and exhibit attachments filed with this report.
Understanding 8-K Material Events →
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
____________________________________
FORM 8-K
____________________________________
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
March 13, 2026
Date of Report (Date of earliest event reported)
____________________________________
CAPITAL ONE FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
____________________________________
Delaware001-1330054-1719854
(State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)
1680 Capital One Drive,
McLean,Virginia 22102
(Address of principal executive offices) (Zip Code)
Registrant’s telephone number, including area code: (703) 720-1000
(Not applicable)
(Former name or former address, if changed since last report)
____________________________________
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of Each Class
Trading Symbol(s)Name of Each Exchange on Which Registered
Common Stock (par value $.01 per share)COF
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series ICOF PRI
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series JCOF PRJ
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series KCOF PRK
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series LCOF PRL
New York Stock Exchange
Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series NCOF PRN
New York Stock Exchange
1.650% Senior Notes Due 2029COF29
New York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company     ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐





Item 7.01    Regulation FD Disclosure.
 
Capital One Financial Corporation (the “Company”) hereby furnishes the information in Exhibit 99.1 hereto, Monthly Charge-Off and Delinquency Metrics - As of and for the month ended February 28, 2026.
 
Note: Information in this report (including the exhibit) furnished pursuant to Item 7.01 shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section. This report will not be deemed an admission as to the materiality of any information in the report that is required to be disclosed solely by Regulation FD. Furthermore, the information provided in Exhibit 99.1 shall not be deemed incorporated by reference into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934.
 
Item 9.01    Financial Statements and Exhibits.
 
(d) Exhibits
Exhibit No.Description
99.1
Monthly Charge-Off and Delinquency Metrics - As of and for the month ended February 28, 2026
104The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

1




SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized.
CAPITAL ONE FINANCIAL CORPORATION
Date: March 13, 2026
By:/s/ TIMOTHY P. GOLDEN
Timothy P. Golden
Chief Accounting Officer

2
                        

Exhibit 99.1
 
Capital One Financial Corporation
Monthly Charge-Off and Delinquency Metrics
As of and for the month ended February 28, 2026
Loans Held for InvestmentNet Charge-Offs30+ Day Performing DelinquenciesNonperforming Loans
(Dollars in millions, except as noted)AveragePeriod-EndAmount
Rate(1)
Amount
Rate(2)
Amount
Rate(3)
Credit Card:(4)
    Domestic
$253,811 $252,340 $1,094 5.17 %$10,005 3.96 %N/AN/A
Consumer Banking:
    Auto84,462 84,584 108 1.54 3,449 4.08 $504 0.60 %
___________________
(1)Net charge-off rate is calculated by dividing annualized net charge-offs for the period by average loans held for investment during the period for the specified loan category. Net charge-offs and the net charge-off rate are impacted periodically by fluctuations in recoveries, including impacts of debt sales.
(2)30+ day performing delinquency rate is calculated by dividing 30+ day performing delinquent loans as of the end of the period by period-end loans held for investment for the specified loan category.
(3)Nonperforming loan rate is calculated by dividing nonperforming loans as of the end of the period by period-end loans held for investment for the specified loan category.
(4)Period-end loans held for investment and average loans held for investment include billed finance charges and fees. We recognize billed finance charges and fee income on open-ended loans in accordance with the contractual provisions of the credit arrangements and estimate the uncollectible amount on a quarterly basis. Billed finance charges and fees that are ultimately uncollectible are reflected as a reduction in revenue and not included in our net charge-offs.








Source: View Original Filing on SEC EDGAR

FAQ

What did Capital One (COF) report in its February 28, 2026 credit metrics?

Capital One reported monthly credit quality data for February 28, 2026, covering credit card and auto loans. The disclosure includes loan balances, net charge-off amounts and rates, and delinquency and nonperforming loan measures, helping investors gauge portfolio performance and loss trends.

What were Capital One’s February 2026 domestic credit card net charge-offs?

For February 2026, domestic credit card net charge-offs were 1,094 on average loans of 253,811 (dollars in millions). The resulting net charge-off rate was 5.17%, reflecting the portion of credit card balances written off during the month after recoveries.

How high were Capital One’s February 2026 credit card delinquencies?

Thirty-plus day performing delinquencies in Capital One’s domestic credit card portfolio totaled 10,005 as of February 28, 2026. This produced a 30-plus day performing delinquency rate of 3.96%, indicating the share of card loans past due but still considered performing.

What did Capital One report for February 2026 auto loan charge-offs?

In consumer banking auto loans, Capital One reported February 2026 net charge-offs of 108 on average loans of 84,462 (dollars in millions). The net charge-off rate was 1.54%, showing a lower loss rate than the domestic credit card portfolio for the month.

What were Capital One’s February 2026 auto loan delinquency and nonperforming rates?

For auto loans as of February 28, 2026, thirty-plus day performing delinquencies were 3,449, a 4.08% delinquency rate. Nonperforming auto loans totaled 504, producing a nonperforming loan rate of 0.60%, representing loans no longer considered performing.

How does Capital One calculate its net charge-off and delinquency rates?

Net charge-off rate is annualized net charge-offs divided by average loans held for investment for each category. The 30-plus day performing delinquency rate equals 30-plus day performing delinquent loans at period-end divided by period-end loans held for investment, providing standardized comparability across portfolios.

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