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Capital One (NYSE: COF) details July card and auto loan losses

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Form Type
8-K

Rhea-AI Filing Summary

Capital One Financial Corporation furnished monthly charge-off and delinquency metrics as of and for the month ended July 31, 2026. The disclosure covers loans held for investment in the Domestic Credit Card and Auto portfolios.

Domestic credit card loans averaged about $256.7 billion and ended the period at about $258.9 billion, with net charge-offs of $881 million, a 4.12% net charge-off rate, and $9.0 billion of 30+ day performing delinquencies, a 3.48% rate; nonperforming loans are not applicable for this category. Auto loans averaged about $89.9 billion and ended at about $90.5 billion, with net charge-offs of $111 million (a 1.48% net charge-off rate), 30+ day performing delinquencies of $4.0 billion (a 4.39% rate), and nonperforming loans of $571 million, a 0.63% nonperforming loan rate.

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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.
Domestic Credit Card average loans $256.7 billion Average loans held for investment for the month ended July 31, 2026
Domestic Credit Card period-end loans $258.9 billion Period-end loans held for investment as of July 31, 2026
Domestic Credit Card net charge-offs $881 million Net charge-offs for the month ended July 31, 2026
Domestic Credit Card net charge-off rate 4.12% Annualized net charge-off rate for the month ended July 31, 2026
Domestic Credit Card 30+ day performing delinquency rate 3.48% 30+ day performing delinquency rate at July 31, 2026
Auto loans period-end balance $90.5 billion Period-end Auto loans held for investment as of July 31, 2026
Auto loans net charge-off rate 1.48% Annualized net charge-off rate for Auto loans for the month ended July 31, 2026
Auto loans nonperforming loan rate 0.63% Nonperforming loan rate for Auto loans as of July 31, 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"
Nonperforming loan rate financial
"Nonperforming loan rate is calculated by dividing nonperforming loans"
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
"loans held for investment include billed finance charges and fees"
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
"include billed finance charges and fees. We recognize billed finance charges"

FAQ

What did Capital One (COF) report in its July 31, 2026 credit metrics 8-K?
Capital One reported monthly charge-off and delinquency metrics as of July 31, 2026 for its Domestic Credit Card and Auto loan portfolios. The data include average and period-end loans, net charge-off amounts and rates, and 30+ day performing and nonperforming loan measures.

What were Capital One’s (COF) Domestic Credit Card loan balances as of July 31, 2026?
Domestic credit card loans averaged about $256.7 billion in July 2026 and stood at about $258.9 billion at period-end. These figures reflect loans held for investment, including billed finance charges and fees recognized under the applicable credit agreements.

What were the net charge-off rate and delinquency rate for Capital One’s (COF) Domestic Credit Card loans?
Domestic credit card net charge-offs were $881 million, producing a 4.12% net charge-off rate. Thirty-plus day performing delinquencies totaled $9.0 billion, a 3.48% 30+ day performing delinquency rate, based on period-end loans held for investment in this category.

How large was Capital One’s (COF) Auto loan portfolio and its credit performance in July 2026?
Auto loans averaged about $89.9 billion and ended July 2026 at about $90.5 billion. Net charge-offs were $111 million (a 1.48% net charge-off rate), with $4.0 billion of 30+ day performing delinquencies (a 4.39% rate) and $571 million in nonperforming loans, a 0.63% rate.

How does Capital One (COF) calculate its reported net charge-off and delinquency rates?
The net charge-off rate equals annualized net charge-offs for the period divided by average loans held for investment for that category. The 30+ day performing delinquency rate equals 30+ day performing delinquent loans at period-end divided by period-end loans held for investment.

What is Capital One’s (COF) nonperforming loan rate for Auto loans in July 2026?
For Auto loans, nonperforming loans totaled $571 million, producing a 0.63% nonperforming loan rate. This rate is calculated by dividing nonperforming loans at the end of the period by period-end loans held for investment in the Auto portfolio.

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

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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
August 14, 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,Virginia22102
(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 July 31, 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 July 31, 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: August 14, 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 July 31, 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
$256,704 $258,940 $881 4.12 %$9,014 3.48 %N/AN/A
Consumer Banking:
    Auto89,899 90,545 111 1.48 3,979 4.39 $571 0.63 %
___________________
(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.








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