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

Capital One reports December 2025 domestic card net charge-off rate of 5.01%

Neutral Impact 2 of 5 other Written later

Capital One furnished its monthly charge-off and delinquency metrics for the month ended December 31, 2025, under Regulation FD. The filing shows domestic credit card net charge-offs of $1,085 million, an annualized rate of 5.01%, and auto loan net charge-offs of $144 million, giving shareholders monthly data on credit performance across its loan categories.

Key points

  • Domestic credit card net charge-offs were $1,085 million in December 2025, a 5.01% net charge-off rate.
  • Domestic credit card 30+ day performing delinquencies were $10,471 million, a 3.99% rate.
  • Auto loan net charge-offs were $144 million (2.07% rate); auto nonperforming loans were $566 million (0.68%).

The filing

CompanyCapital One (COF)
Form8-K, current report
Filed with the SECJan 22, 2026, 4:19 PM ET
Accession number0000927628-26-000004

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 January 22, 2026.

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.