Capital One Financial Corporation filed a Current Report on Form 8-K with the Securities and Exchange Commission on October 20, 2026, to disclose monthly credit metrics for the period ended September 30, 2026. The filing, submitted by Chief Accounting Officer Timothy P. Golden, provides specific data regarding charge-offs and delinquencies across the company's credit card and auto loan portfolios.
The report details performance for two primary loan categories: Credit Card and Consumer Banking Auto loans. For the Credit Card segment, the average period-end amount of loans held for investment was $257.7 billion, while the total period-end amount was $260.3 billion. The company reported net charge-offs of $787 million, corresponding to an annualized net charge-off rate of 3.66 percent. Additionally, the 30+ day performing delinquency rate was recorded at 3.74 percent.
In the Consumer Banking Auto segment, the average period-end loan amount was $92.45 billion, with a period-end amount of $92.90 billion. The filing indicates net charge-offs of $125 million, representing an annualized net charge-off rate of 1.62 percent. The 30+ day performing delinquency rate for auto loans was 4.64 percent. The report also notes nonperforming loans for the auto category, which totaled $603 million, resulting in a nonperforming loan rate of 0.65 percent.
