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Capital One logoCapital One COF

Capital One disclosed that for the month ended October 31, 2025, net charge-offs in its Domestic credit card segment were $1,002 million, with a net charge-off rate of 4.77%.

8-KRegulation FD DisclosureFiled Period of report Summary published (UTC)

Key points

AI summary
  1. Capital One disclosed that for the month ended October 31, 2025, net charge-offs in its Domestic credit card segment were $1,002 million, with a net charge-off rate of 4.77%.

  2. The company said that as of the end of October 2025, 30+ day performing delinquencies in its Domestic credit card segment were $10,138 million, with a delinquency rate of 3.99%. Period-end loans held for investment at the same point were $254,171 million.

  3. Capital One disclosed that for the month ended October 2025, net charge-offs in its Consumer Banking auto segment were $115 million (net charge-off rate of 1.67%), and 30+ day delinquencies as of month-end were $4,097 million (delinquency rate of 4.97%).

  4. The company disclosed that as of the end of October 2025, nonperforming loans in its auto segment were $529 million (rate of 0.64%), and loans held for investment averaged $82,221 million for the month and were $82,452 million at period-end.

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.

October 2025 Monthly Credit Card Net Charge-Off Metrics

Capital One disclosed that for the month ended October 31, 2025, net charge-offs in its Domestic credit card segment were $1,002 million, with a net charge-off rate of 4.77%.

Source · Based on the filing body and exhibits

Credit Card 30+ Day Delinquencies and Loans Held for Investment

The company said that as of the end of October 2025, 30+ day performing delinquencies in its Domestic credit card segment were $10,138 million, with a delinquency rate of 3.99%. Period-end loans held for investment at the same point were $254,171 million.

Source · Based on the filing body and exhibits

Auto Loan Net Charge-Offs and Delinquency Metrics

Capital One disclosed that for the month ended October 2025, net charge-offs in its Consumer Banking auto segment were $115 million (net charge-off rate of 1.67%), and 30+ day delinquencies as of month-end were $4,097 million (delinquency rate of 4.97%).

Source · Based on the filing body and exhibits

Auto Segment Nonperforming Loans and Loan Balances

The company disclosed that as of the end of October 2025, nonperforming loans in its auto segment were $529 million (rate of 0.64%), and loans held for investment averaged $82,221 million for the month and were $82,452 million at period-end.

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.

Source: SEC EDGAR (U.S. Securities and Exchange Commission). Item captions are the SEC's. The summary is for reference only and is not investment advice.