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AI English summary of an SEC filing — figures as filed

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Capital One said net charge-offs on domestic credit card loans for the month ended April 30, 2026 were $1,042 million, with an annualized net charge-off rate of 4.94%.

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

Key points

AI summary
  1. Capital One said net charge-offs on domestic credit card loans for the month ended April 30, 2026 were $1,042 million, with an annualized net charge-off rate of 4.94%.

  2. The company said 30+ day performing delinquencies on domestic credit card loans as of April 30, 2026 were $8,781 million, with a delinquency rate of 3.44%.

  3. Capital One said net charge-offs on auto loans for the month ended April 30, 2026 were $86 million, with a net charge-off rate of 1.20%, and 30+ day performing delinquencies were $3,488 million, with a delinquency rate of 4.02%.

  4. The company said average loans held for investment on domestic credit card loans were $253,124 million and period-end loans were $255,320 million, while nonperforming loans on period-end auto loans of $86,847 million were $477 million (0.55%).

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 4.94%

Capital One said net charge-offs on domestic credit card loans for the month ended April 30, 2026 were $1,042 million, with an annualized net charge-off rate of 4.94%.

Source · Based on the filing body and exhibits

Domestic Credit Card 30+ Day Delinquency Rate 3.44%

The company said 30+ day performing delinquencies on domestic credit card loans as of April 30, 2026 were $8,781 million, with a delinquency rate of 3.44%.

Source · Based on the filing body and exhibits

Auto Loan Net Charge-Offs and Delinquency Metrics

Capital One said net charge-offs on auto loans for the month ended April 30, 2026 were $86 million, with a net charge-off rate of 1.20%, and 30+ day performing delinquencies were $3,488 million, with a delinquency rate of 4.02%.

Source · Based on the filing body and exhibits

Loan Balances and Auto Nonperforming Loans

The company said average loans held for investment on domestic credit card loans were $253,124 million and period-end loans were $255,320 million, while nonperforming loans on period-end auto loans of $86,847 million were $477 million (0.55%).

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.