Capital One reports Aug card loss rate 4.16%

Capital One Financial Corporation (COF) reported monthly credit quality metrics as of and for the month ended August 31, 2026, furnishing charge-off and delinquency data for key loan categories.

Rhea-AI Filing Summary

Capital One Financial Corporation (COF) reported monthly credit quality metrics as of and for the month ended August 31, 2026, furnishing charge-off and delinquency data for key loan categories. For domestic credit cards, average loans held for investment were $257.5 billion, with net charge-offs of $892 million, a 4.16% net charge-off rate, and $9.3 billion of 30+ day performing delinquencies, a 3.57% rate. For auto loans, average loans held for investment were $91.2 billion, with net charge-offs of $126 million and a 1.66% net charge-off rate; 30+ day performing delinquencies were $4.2 billion, a 4.54% rate, and nonperforming auto loans were $572 million, a 0.62% rate.

8-K Event Classification

2 items: 7.01, 9.01

2 items

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, or exhibit attachments filed with this report.

Key Figures

Domestic credit card average loans held for investment: $257.5 billion Domestic credit card net charge-offs: $892 million Domestic credit card net charge-off rate: 4.16% +5 more

8 metrics

Domestic credit card average loans held for investment $257.5 billion As of and for the month ended August 31, 2026; dollars in millions

Domestic credit card net charge-offs $892 million Month ended August 31, 2026

Domestic credit card net charge-off rate 4.16% Month ended August 31, 2026

Domestic credit card 30+ day performing delinquency rate 3.57% As of August 31, 2026

Auto loans average loans held for investment $91.2 billion As of and for the month ended August 31, 2026; dollars in millions

Auto loans net charge-off rate 1.66% Month ended August 31, 2026

Auto loans 30+ day performing delinquency rate 4.54% As of August 31, 2026

Auto loans nonperforming loan rate 0.62% As of August 31, 2026

Key Terms

Net charge-off rate, 30+ day performing delinquency rate, Nonperforming loan rate, Loans Held for Investment

4 terms

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 Net Charge-Offs 30+ Day Performing Delinquencies"

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.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

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

Capital One (COF) furnished monthly charge-off and delinquency metrics as of and for the month ended August 31, 2026, covering loans held for investment in its domestic credit card and consumer banking auto portfolios.

What were COF’s August 2026 credit card charge-offs?

For August 2026, domestic credit card loans had net charge-offs of $892 million on average loans held for investment of $257.5 billion, resulting in a 4.16% net charge-off rate.

What were COF’s August 2026 auto loan charge-offs?

Auto loans in consumer banking showed net charge-offs of $126 million for August 2026 on average loans of $91.2 billion, yielding a 1.66% net charge-off rate.

What delinquency rates did COF report for credit cards in August 2026?

Domestic credit card 30+ day performing delinquencies totaled $9.3 billion at period end, with a 3.57% 30+ day performing delinquency rate as of August 31, 2026.

What delinquency and nonperforming metrics did COF report for auto loans?

Auto loans had 30+ day performing delinquencies of $4.2 billion with a 4.54% delinquency rate, and nonperforming auto loans of $572 million with a 0.62% nonperforming loan rate as of August 31, 2026.

Who signed the COF 8-K related to the August 2026 metrics?

The report was signed on behalf of Capital One Financial Corporation by Timothy P. Golden, Chief Accounting Officer, dated September 14, 2026.

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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

September 14, 2026

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 August 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 August 31, 2026
104						The 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: September 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 August 31, 2026

						Loans Held for Investment												Net Charge-Offs												30+ Day Performing Delinquencies												Nonperforming Loans
(Dollars in millions, except as noted)						Average						Period-End						Amount						Rate(1)						Amount						Rate(2)						Amount						Rate(3)
Credit Card:(4)
Domestic						$	257,499					$	260,642					$	892					4.16		%				$	9,297					3.57		%				N/A						N/A
Consumer Banking:
Auto						91,228						91,886						126						1.66						4,171						4.54						$	572					0.62		%

___________________

(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.

Filing Exhibits & Attachments

5 documents

Press Releases

• EX-99.1 EX-99.1 23.7 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 4.4 KB
• EX-101 XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT 18.6 KB
• EX-101 XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT 36.5 KB
• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT 19.3 KB