Capital One said Net Charge-Offs for Credit Card Domestic were $774 million and the net charge-off rate was 6.12% for the month ended January 31, 2025. The net charge-off rate is annualized net charge-offs for the period divided by average loans held for investment.

8-KRegulation FD DisclosureFiled Feb 18, 2025Period of report Feb 14, 2025Summary published (UTC) Oct 16, 2026

Key points

AI summary

Capital One said Net Charge-Offs for Credit Card Domestic were $774 million and the net charge-off rate was 6.12% for the month ended January 31, 2025. The net charge-off rate is annualized net charge-offs for the period divided by average loans held for investment.
The company said Credit Card Domestic 30+ Day Performing Delinquencies were $6,989 million, and the delinquency rate was 4.61%, as of January 31, 2025. The delinquency rate is period-end delinquent loans divided by period-end loans held for investment.
Capital One said Net Charge-Offs for Consumer Banking Auto were $125 million, and the net charge-off rate was 1.95%, for the month ended January 31, 2025.
The company said Consumer Banking Auto 30+ Day Performing Delinquencies were $4,336 million (delinquency rate 5.63%), and Nonperforming Loans were $686 million (rate 0.89%), as of January 31, 2025.

Summary

AI-written

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call.

Domestic Credit Card Monthly Net Charge-Off Rate 6.12%

Capital One said Net Charge-Offs for Credit Card Domestic were $774 million and the net charge-off rate was 6.12% for the month ended January 31, 2025. The net charge-off rate is annualized net charge-offs for the period divided by average loans held for investment.

Source · Based on the filing body and exhibits

Domestic Credit Card 30+ Day Performing Delinquency Rate 4.61%

The company said Credit Card Domestic 30+ Day Performing Delinquencies were $6,989 million, and the delinquency rate was 4.61%, as of January 31, 2025. The delinquency rate is period-end delinquent loans divided by period-end loans held for investment.

Source · Based on the filing body and exhibits

Auto Loan Monthly Net Charge-Off Rate 1.95%

Capital One said Net Charge-Offs for Consumer Banking Auto were $125 million, and the net charge-off rate was 1.95%, for the month ended January 31, 2025.

Source · Based on the filing body and exhibits

Auto Loan Delinquency Rate 5.63%, Nonperforming Loans $686 million

The company said Consumer Banking Auto 30+ Day Performing Delinquencies were $4,336 million (delinquency rate 5.63%), and Nonperforming Loans were $686 million (rate 0.89%), as of January 31, 2025.

Source · Based on the filing body and exhibits

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

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