Capital One Reports September 2026 Monthly Credit Card and Auto Loan Metrics

Filing Overview

Capital One Financial Corporation filed a Current Report on Form 8-K on October 20, 2026, under Item 7.01 (Regulation FD Disclosure) and Item 9.01 (Financial Statements and Exhibits), furnishing Exhibit 99.1 containing monthly charge-off and delinquency metrics for the month ended September 30, 2026.

Key Metrics Summary (As of and for the Month Ended September 30, 2026)

1. Domestic Credit Card

• Average Loans Held for Investment: $257,744 million
• Period-End Loans Held for Investment: $260,252 million
• Net Charge-Offs: $787 million (annualized rate of 3.66%)
• 30+ Day Performing Delinquencies: $9,741 million (rate of 3.74%)
• Nonperforming Loans: N/A

2. Consumer Banking (Auto)

• Average Loans Held for Investment: $92,450 million
• Period-End Loans Held for Investment: $92,901 million
• Net Charge-Offs: $125 million (annualized rate of 1.62%)
• 30+ Day Performing Delinquencies: $4,314 million (rate of 4.64%)
• Nonperforming Loans: $603 million (rate of 0.65%)

Market Impact & Significance

This filing represents Capital One's routine monthly operational update on loan performance and credit quality metrics. Because these metrics are provided monthly under Regulation FD rather than being filed under Section 18 of the Exchange Act, this disclosure is rated Low trading significance in isolation, though credit analysts track these monthly figures closely to project quarterly credit loss provisions.