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

Capital One April 2026 domestic card net charge-off rate was 4.94%, 30+ day delinquencies 3.44%

Neutral Impact 2 of 5 other Written later

Capital One furnished its monthly charge-off and delinquency metrics for the month ended April 30, 2026, in Exhibit 99.1 of a Form 8-K filed May 14, 2026. The domestic credit card book recorded $1,042 million of net charge-offs, a 4.94% annualized rate, and $8,781 million of 30+ day performing delinquencies, a 3.44% rate. The filing contains no prior-period comparison, so it does not show whether these credit measures improved or worsened.

Key points

  • Domestic credit card net charge-offs of $1,042 million for April 2026, a 4.94% annualized rate on average loans of $253,124 million
  • Domestic credit card 30+ day performing delinquencies of $8,781 million, a 3.44% rate on period-end loans of $255,320 million
  • Consumer Banking auto net charge-off rate of 1.20% and nonperforming loan rate of 0.55%, with auto 30+ day delinquency rate of 4.02%

The filing

CompanyCapital One (COF)
Form8-K, current report
Filed with the SECMay 14, 2026, 5:32 PM ET
Accession number0000927628-26-000053

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 May 14, 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.