The company said net charge-offs for domestic credit card loans for the month ended May 31, 2025 were $694 million, with a net charge-off rate of 5.57%. Average loans were $149,597 million.

8-KRegulation FD DisclosureFiled Jun 16, 2025Period of report Jun 13, 2025Summary published (UTC) Oct 14, 2026

Key points

AI summary

The company said net charge-offs for domestic credit card loans for the month ended May 31, 2025 were $694 million, with a net charge-off rate of 5.57%. Average loans were $149,597 million.
Capital One said domestic credit card loans that were 30+ days performing delinquent at period-end totaled $5,864 million, with a delinquency rate of 3.85%. Period-end loans held for investment were $152,356 million.
The company reported a net charge-off rate of 1.04% for auto loans in Consumer Banking, a 30+ day delinquency rate of 4.70%, and a nonperforming loan rate of 0.76%. Nonperforming loans totaled $605 million.
The company said it completed its acquisition of Discover Financial Services effective May 18, 2025, but these monthly metrics include only legacy Capital One metrics and exclude Discover operations.

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 Net Charge-Off Rate of 5.57%

The company said net charge-offs for domestic credit card loans for the month ended May 31, 2025 were $694 million, with a net charge-off rate of 5.57%. Average loans were $149,597 million.

Source · Based on the filing body and exhibits

Domestic Credit Card 30+ Day Performing Delinquency Rate of 3.85%

Capital One said domestic credit card loans that were 30+ days performing delinquent at period-end totaled $5,864 million, with a delinquency rate of 3.85%. Period-end loans held for investment were $152,356 million.

Source · Based on the filing body and exhibits

Auto Loan Charge-Off, Delinquency and Nonperforming Metrics

The company reported a net charge-off rate of 1.04% for auto loans in Consumer Banking, a 30+ day delinquency rate of 4.70%, and a nonperforming loan rate of 0.76%. Nonperforming loans totaled $605 million.

Source · Based on the filing body and exhibits

Discover Acquisition Completed and Metrics Scope

The company said it completed its acquisition of Discover Financial Services effective May 18, 2025, but these monthly metrics include only legacy Capital One metrics and exclude Discover operations.

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

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.

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