Capital One said net charge-offs in its Credit Card Domestic segment for the month ended November 30, 2025 were $1,060 million, with a net charge-off rate of 5.02%.

8-KRegulation FD DisclosureFiled Dec 15, 2025Period of report Dec 12, 2025Summary published (UTC) Oct 12, 2026

Key points

AI summary

Capital One said net charge-offs in its Credit Card Domestic segment for the month ended November 30, 2025 were $1,060 million, with a net charge-off rate of 5.02%.
The company said 30+ day performing delinquencies in its Credit Card Domestic segment as of November 30, 2025 were $10,332 million, with a delinquency rate of 4.01%.
Capital One said net charge-offs in its Consumer Banking Auto segment for the month ended November 30, 2025 were $118 million (net charge-off rate of 1.71%), and 30+ day delinquent loans as of period-end were $4,168 million (delinquency rate of 5.02%).
The company said nonperforming loans in its Consumer Banking Auto segment were $531 million (rate of 0.64%), and average loans held for investment in its Credit Card Domestic segment were $253,503 million, with period-end loans of $257,409 million.

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 5.02%

Capital One said net charge-offs in its Credit Card Domestic segment for the month ended November 30, 2025 were $1,060 million, with a net charge-off rate of 5.02%.

Source · Based on the filing body and exhibits

Domestic Credit Card 30+ Day Delinquency Rate 4.01%

The company said 30+ day performing delinquencies in its Credit Card Domestic segment as of November 30, 2025 were $10,332 million, with a delinquency rate of 4.01%.

Source · Based on the filing body and exhibits

Auto Segment Net Charge-Off Rate 1.71% and Delinquency Rate 5.02%

Capital One said net charge-offs in its Consumer Banking Auto segment for the month ended November 30, 2025 were $118 million (net charge-off rate of 1.71%), and 30+ day delinquent loans as of period-end were $4,168 million (delinquency rate of 5.02%).

Source · Based on the filing body and exhibits

Auto Segment Nonperforming Loans and Credit Card Average and Period-End Loan Balances

The company said nonperforming loans in its Consumer Banking Auto segment were $531 million (rate of 0.64%), and average loans held for investment in its Credit Card Domestic segment were $253,503 million, with period-end loans of $257,409 million.

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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