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

Capital One July 2026 domestic card net charge-off rate 4.12%, auto 1.48%

Neutral Impact 2 of 5 other Written later

Capital One furnished monthly charge-off and delinquency metrics for the month ended July 31, 2026, as Exhibit 99.1 to this Form 8-K under Regulation FD. The filing reports credit metrics for its domestic credit card and consumer banking auto loan portfolios, with no change to earnings or guidance.

Key points

  • Domestic credit card: net charge-offs of $881 million, a 4.12% annualized rate, on average loans of $256,704 million
  • Domestic credit card: 30+ day performing delinquencies of $9,014 million, or 3.48% of period-end loans
  • Auto: net charge-offs of $111 million (1.48%), 30+ day performing delinquencies of $3,979 million (4.39%), and nonperforming loans of $571 million (0.63%)

The filing

CompanyCapital One (COF)
Form8-K, current report
Filed with the SECAug 14, 2026, 5:32 PM ET
Accession number0000927628-26-000093

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 August 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.