Flash FinanceUS
After hours S&P 5007,549.94+2.35% Nasdaq25,253.14+2.74% Dow 3052,389.75+2.15% Russell 20002,840.81+3.15% Nasdaq-10027,907.62+3.40% MidCap 4003,715.23+3.13% SmallCap 6001,722.37+2.89% VIX19.92-22.31% 10Y Yield4.86+0.10% Close of Nov 09, 2026
AI brief of an SEC Form 8-K · Capital One (COF)

Capital One reports January 2026 domestic credit card net charge-off rate of 5.04%

Neutral Impact 2 of 5 other Written later

Capital One furnished monthly charge-off and delinquency metrics for the month ended January 31, 2026, in Exhibit 99.1 under Item 7.01 of a Form 8-K filed February 13, 2026. The exhibit shows net charge-offs, 30+ day delinquencies and nonperforming loans for domestic credit card and auto loans, which give shareholders a monthly view of loan credit performance.

Key points

  • Domestic credit card net charge-offs were $1.08 billion, an annualized rate of 5.04% of average loans held for investment.
  • Domestic credit card 30+ day performing delinquencies were $10.4 billion, a rate of 4.04% of period-end loans.
  • Auto net charge-offs were $136 million, a rate of 1.94%, and auto nonperforming loans were $531 million, a rate of 0.63%.
  • The filing does not compare these figures with prior periods or state a year-over-year trend.

The filing

CompanyCapital One (COF)
Form8-K, current report
Filed with the SECFeb 13, 2026, 5:31 PM ET
Accession number0000927628-26-000019

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 February 13, 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.