STOCK TITAN
  1. Home
  2. Sec-filings
  3. COF
  4. [8-K] CAPITAL ONE FINANCIAL CORP Reports Material Event

Capital One (NYSE: COF) reports June 2026 charge-off, delinquency data

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

Rhea-AI Filing Summary

Capital One Financial Corporation furnished monthly credit quality metrics for loans held for investment as of and for the month ended June 30, 2026. The disclosure covers domestic credit card and consumer banking auto portfolios, including net charge-offs, 30+ day performing delinquencies, and nonperforming loans.

Domestic credit card average loans held for investment were $256,201 million, with net charge-offs of $934 million and a net charge-off rate of 4.37%. Thirty-plus day performing delinquencies in this portfolio totaled $8,770 million, a 3.39% delinquency rate. Consumer banking auto average loans were $88,676 million, with $122 million of net charge-offs and a 1.65% net charge-off rate. Thirty-plus day performing delinquencies in auto loans were $3,862 million, a 4.32% rate, and nonperforming auto loans were $546 million, a 0.61% nonperforming loan rate.

Positive

  • None.

Negative

  • None.
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.
Domestic card average loans held for investment $256,201 million Average loans held for investment, domestic credit card, month ended June 30, 2026
Domestic card net charge-offs $934 million Net charge-offs, domestic credit card, month ended June 30, 2026
Domestic card net charge-off rate 4.37% Net charge-off rate for domestic credit card loans, June 30, 2026
Domestic card 30+ day delinquency rate 3.39% 30+ day performing delinquency rate, domestic credit card, June 30, 2026
Auto average loans held for investment $88,676 million Average loans held for investment, consumer banking auto, month ended June 30, 2026
Auto net charge-off rate 1.65% Net charge-off rate for consumer banking auto loans, June 30, 2026
Auto nonperforming loan rate 0.61% Nonperforming loan rate for consumer banking auto loans, June 30, 2026
Net charge-off rate financial
"Net charge-off rate is calculated by dividing annualized net charge-offs"
Net charge-off rate is the percentage of outstanding loans a lender writes off as uncollectible during a period after subtracting any money later recovered. Think of it like a shop marking damaged items as total loss (then accounting for any partial refunds) — it shows how much credit a lender truly lost. Investors watch it because rising rates signal worsening borrower health, lower future profits and higher risk to a bank’s capital.
30+ day performing delinquency rate financial
"30+ day performing delinquency rate is calculated by dividing 30+ day perform"
Nonperforming loan rate financial
"Nonperforming loan rate is calculated by dividing nonperforming loans as of"
The nonperforming loan rate is the share of a lender’s loans where borrowers have stopped making agreed payments for an extended period, typically moving toward default. It matters to investors because a rising rate signals more credit problems, higher potential losses and pressure on a lender’s profits and capital — like tracking how many customers never paid their bills to judge a business’s financial health.
Loans held for investment financial
"Net charge-off rate is calculated by dividing annualized net charge-offs for the period by average loans held for investment"
Loans held for investment are loans a bank or lender plans to keep on its balance sheet and collect payments from, rather than sell to another party. Think of it like owning a rental property instead of flipping it: the owner expects steady income but also carries the risk that borrowers may stop paying, so investors watch this line to judge a lender’s interest income stability, credit quality, and liquidity needs.
Billed finance charges and fees financial
"Period-end loans held for investment and average loans held for investment include billed finance charges and fees"

AI-generated analysis. How Rhea-AI works. Not financial advice.

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google
Add on Google
Understanding 8-K Material Events →

FAQ

What did Capital One (COF) disclose in its June 30, 2026 credit metrics?
Capital One disclosed monthly credit quality metrics as of and for June 30, 2026, covering domestic credit card and consumer banking auto loans, including net charge-offs, 30+ day performing delinquencies, and nonperforming loan rates for loans held for investment.

What were Capital One (COF) domestic credit card net charge-offs for June 2026?
Domestic credit card net charge-offs were $934 million for the month ended June 30, 2026, on average loans held for investment of $256,201 million, resulting in a reported net charge-off rate of 4.37% for this portfolio segment.

What delinquency levels did Capital One (COF) report for domestic credit cards?
For domestic credit cards, 30+ day performing delinquencies totaled $8,770 million at June 30, 2026, representing a 3.39% 30+ day performing delinquency rate based on period-end loans held for investment in that portfolio.

What were Capital One (COF) auto loan net charge-offs and delinquency rates in June 2026?
Consumer banking auto loans had $122 million of net charge-offs and a 1.65% net charge-off rate. Thirty-plus day performing delinquencies were $3,862 million, corresponding to a 4.32% 30+ day performing delinquency rate as of June 30, 2026.

What nonperforming auto loan levels did Capital One (COF) report for June 30, 2026?
For consumer banking auto loans, Capital One reported $546 million of nonperforming loans at June 30, 2026, which translated into a 0.61% nonperforming loan rate based on period-end loans held for investment in that category.

How does Capital One (COF) define the net charge-off rate in these metrics?
The net charge-off rate is defined as annualized net charge-offs for the period divided by average loans held for investment for the specified loan category, with net charge-offs periodically affected by fluctuations in recoveries and debt sales.

How are delinquency and nonperforming loan rates calculated in Capital One (COF) metrics?
The 30+ day performing delinquency rate equals 30+ day performing delinquent loans at period-end divided by period-end loans. The nonperforming loan rate equals nonperforming loans at period-end divided by period-end loans for the relevant loan category.
false000092762800009276282026-07-212026-07-210000927628us-gaap:CommonStockMember2026-07-212026-07-210000927628cof:SeriesIPreferredStockMember2026-07-212026-07-210000927628cof:SeriesJPreferredStockMember2026-07-212026-07-210000927628cof:SeriesKPreferredStockMemberMember2026-07-212026-07-210000927628cof:SeriesLPreferredStockMemberMember2026-07-212026-07-210000927628cof:SeriesNPreferredStockMember2026-07-212026-07-210000927628cof:SeniorNotesDue2029Member2026-07-212026-07-21





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
July 21, 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 June 30, 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 June 30, 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: July 21, 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 June 30, 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
$256,201 $259,005 $934 4.37 %$8,770 3.39 %N/AN/A
Consumer Banking:
    Auto88,676 89,311 122 1.65 3,862 4.32 $546 0.61 %
___________________
(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

Filing Exhibits & Attachments

5 documents

Press Releases

Other Documents