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AI brief of an SEC Form 8-K · Capital One (COF)

Capital One reports October 2025 domestic card net charge-off rate of 4.77%

Neutral Impact 2 of 5 other Written later

Capital One furnished monthly charge-off and delinquency metrics for the month ended October 31, 2025, in Exhibit 99.1 under Regulation FD. The filing shows domestic credit card net charge-offs of $1,002 million, or a 4.77% annualized rate, and 30-plus day delinquencies of $10,138 million, or 3.99% of period-end loans. The report is a routine monthly disclosure and does not include guidance or a change in results.

Key points

  • Domestic credit card net charge-offs were $1,002 million for October 2025, a 4.77% annualized rate on average loans of $252,269 million.
  • Domestic credit card 30-plus day performing delinquencies were $10,138 million, or 3.99% of period-end loans of $254,171 million.
  • Auto loan net charge-offs were $115 million, a 1.67% rate, and auto nonperforming loans were $529 million, or 0.64%.

The filing

CompanyCapital One (COF)
Form8-K, current report
Filed with the SECNov 14, 2025, 5:31 PM ET
Accession number0000927628-25-000283

Items reported: 7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 2:16 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on November 14, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.