$COF · CAPITAL ONE FINANCIAL CORP
Capital One filed a Form 8-K under Item 7.01 (Regulation FD Disclosure) furnishing its monthly charge-off and delinquency metrics for the month ended September 30, 2026. The domestic credit card portfolio shows a net charge-off rate of 3.66% on $257.7B average loans and a 30+ day performing delinquency rate of 3.74% on $260.3B period-end loans. The auto portfolio reports a 1.62% net charge-off rate and 0.65% nonperforming loan rate.
- Domestic credit card net charge-off rate: 3.66% annualized on $257.7B average loans.
- Domestic card 30+ day performing delinquency rate: 3.74% on $260.3B period-end loans.
- Auto net charge-off rate: 1.62% on $92.5B average loans; 30+ day delinquency: 4.64%.
- Auto nonperforming loan rate: 0.65% on $92.9B period-end loans.
- Filing is a routine monthly Regulation FD disclosure, not a comprehensive earnings release.
Extended-hours trading shows COF up +4.49% to $210.61 vs the $201.56 regular close, suggesting the market is reacting positively to the disclosed credit metrics or other concurrent news not captured in this filing.
Capital One's monthly credit card charge-off and delinquency data is a key real-time indicator of U.S. consumer credit health, given its $260B domestic card portfolio.
Capital One's monthly credit metrics are closely watched by consumer-finance peers (Discover, Synchrony, American Express) as a bellwether for U.S. consumer credit health, particularly in subprime-adjacent card portfolios.
Domestic card 30+ day delinquency rate of 3.74% remains elevated relative to the 3.66% net charge-off rate, signaling potential future charge-off pressure if delinquent accounts fail to cure.
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