Capital One 8-K
Auto has higher 30+ day delinquency rates than domestic credit cards; cards have higher charge-off rates
Filed 2026-08-14 17:32 ET
- 7.01 Regulation FD Disclosure
- 9.01 Financial Statements and Exhibits
Summary
July 2026 monthly loan charge-off and delinquency metrics. The disclosure covers Capital One’s domestic credit card and auto portfolios, with higher net charge-off and 30+ day delinquency rates in auto than in credit cards.
Key Figures
- Domestic credit card: average loans held for investment of $257B and period-end loans of $259B; net charge-offs of $881M (4.12% rate); 30+ day performing delinquencies of $9.01B (3.48% rate).
- Auto: average loans held for investment of $89.9B and period-end loans of $90.5B; net charge-offs of $111M (1.48% rate); 30+ day performing delinquencies of $3.98B (4.39% rate); nonperforming loans of $571M (0.63% rate).
Investor Takeaways
- The next monthly update will show whether charge-off and delinquency rates in the credit card and auto portfolios are stable or changing.
The summary is written by an AI model reading the filing.
Model 005 · prompt 01d34d48e3