Capital One (NYSE: COF) reports November 2025 charge-off and delinquency metrics in 8-K

Rhea-AI Filing Summary

Capital One Financial Corporation filed a current report to furnish its "Monthly Charge-Off and Delinquency Metrics - As of and for the month ended November 30, 2025" as Exhibit 99.1. This information is provided as a Regulation FD disclosure so that the same metrics are available to the broader market. The detailed figures themselves are contained in the exhibit, while the main report outlines the disclosure and related exhibits.

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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

December 12, 2025

Date of Report (Date of earliest event reported)

____________________________________

CAPITAL ONE FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

____________________________________

Delaware						001-13300			54-1719854
(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 I			COF 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 J			COF 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 K			COF 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 L			COF 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 N			COF PRN			New York Stock Exchange
1.650% Senior Notes Due 2029			COF29			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 November 30, 2025.

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 November 30, 2025
104						The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

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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: December 12, 2025

By:

/s/ TIMOTHY P. GOLDEN

Timothy P. Golden

Chief Accounting Officer

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FAQ

What did Capital One (COF) disclose in this 8-K filing?

Capital One furnished its "Monthly Charge-Off and Delinquency Metrics - As of and for the month ended November 30, 2025" as Exhibit 99.1 to a current report on Form 8-K.

Which period do the Capital One (COF) charge-off and delinquency metrics cover?

The metrics relate to Capital Ones portfolio as of and for the month ended November 30, 2025, as stated in the exhibit title.

Under what disclosure category were Capital Ones (COF) metrics provided?

The metrics were furnished under the Regulation FD Disclosure section of the Form 8-K, indicating broad public sharing of the information.

Where can investors find the detailed charge-off and delinquency data for Capital One (COF)?

The detailed figures are contained in Exhibit 99.1 to the Form 8-K, titled "Monthly Charge-Off and Delinquency Metrics - As of and for the month ended November 30, 2025."

What exhibits are included with this Capital One (COF) 8-K?

The report lists Exhibit 99.1 for the Monthly Charge-Off and Delinquency Metrics and Exhibit 104 for the cover page formatted in Inline XBRL.

Who signed the Capital One (COF) Form 8-K?

The Form 8-K was signed on behalf of Capital One Financial Corporation by Timothy P. Golden, who is identified as the Companys Chief Accounting Officer.