Capital One disclosed that net charge-offs for domestic credit card loans for the month ended September 30, 2025 were $916 million, with a net charge-off rate of 4.35%.

8-KRegulation FD DisclosureFiled Oct 21, 2025Period of report Oct 21, 2025Summary published (UTC) Oct 12, 2026

Key points

AI summary

Capital One disclosed that net charge-offs for domestic credit card loans for the month ended September 30, 2025 were $916 million, with a net charge-off rate of 4.35%.
The company disclosed that average loans held for investment for domestic credit card loans were $252,597 million, with period-end loans of $253,951 million.
Capital One disclosed that 30+ day performing delinquencies for domestic credit card loans as of September 30, 2025 were $9,888 million, with a delinquency rate of 3.89%.
The company disclosed that as of September 30, 2025, net charge-offs for consumer banking auto loans were $99 million (1.46%), 30+ day performing delinquencies were $4,094 million (4.99%), and nonperforming loans were $584 million (0.71%).

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-Offs $916 million, Net Charge-Off Rate 4.35%

Capital One disclosed that net charge-offs for domestic credit card loans for the month ended September 30, 2025 were $916 million, with a net charge-off rate of 4.35%.

Source · Based on the filing body and exhibits

Domestic Credit Card Average and Period-End Loans

The company disclosed that average loans held for investment for domestic credit card loans were $252,597 million, with period-end loans of $253,951 million.

Source · Based on the filing body and exhibits

Domestic Credit Card 30+ Day Performing Delinquencies

Capital One disclosed that 30+ day performing delinquencies for domestic credit card loans as of September 30, 2025 were $9,888 million, with a delinquency rate of 3.89%.

Source · Based on the filing body and exhibits

Auto Loan Net Charge-Offs, Delinquencies and Nonperforming Loans

The company disclosed that as of September 30, 2025, net charge-offs for consumer banking auto loans were $99 million (1.46%), 30+ day performing delinquencies were $4,094 million (4.99%), and nonperforming loans were $584 million (0.71%).

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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