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

Capital One reports November domestic card net charge-off rate of 5.02%

Neutral Impact 2 of 5 other Written later

Capital One furnished monthly charge-off and delinquency metrics for the month ended November 30, 2025, in Exhibit 99.1 of this Form 8-K. The domestic credit card net charge-off rate was 5.02% and the 30+ day performing delinquency rate was 4.01%, giving shareholders a monthly view of credit performance on the company's loan book.

Key points

  • Domestic credit card net charge-offs were $1,060 million in November 2025, a 5.02% annualized rate on average loans of $253,503 million.
  • Domestic credit card 30+ day performing delinquencies were $10,332 million, a 4.01% rate on period-end loans of $257,409 million.
  • Consumer Banking auto net charge-offs were $118 million, a 1.71% rate; auto nonperforming loans were $531 million, a 0.64% rate.

The filing

CompanyCapital One (COF)
Form8-K, current report
Filed with the SECDec 12, 2025, 5:32 PM ET
Accession number0000927628-25-000288

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 December 12, 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.