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AI English summary of an SEC filing — figures as filed

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Capital One disclosed that net charge-offs on domestic credit card loans for the month ended June 30, 2026 were $934 million, with a net charge-off rate of 4.37%. Average loans held for investment for that month were $256,201 million.

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

Key points

AI summary
  1. Capital One disclosed that net charge-offs on domestic credit card loans for the month ended June 30, 2026 were $934 million, with a net charge-off rate of 4.37%. Average loans held for investment for that month were $256,201 million.

  2. The company said 30+ day performing delinquencies on domestic credit card loans as of the end of June 30, 2026 were $8,770 million, with a delinquency rate of 3.39%. Period-end loans held for investment were $259,005 million.

  3. Capital One disclosed that net charge-offs on Consumer Banking auto loans for the month were $122 million with a net charge-off rate of 1.65%, and 30+ day performing delinquencies as of period-end were $3,862 million with a delinquency rate of 4.32%.

  4. The company said nonperforming loans on auto loans as of period-end were $546 million, with a nonperforming loan rate of 0.61%. Average loans held for investment on auto loans were $88,676 million, and period-end loans held for investment were $89,311 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 4.37%

Capital One disclosed that net charge-offs on domestic credit card loans for the month ended June 30, 2026 were $934 million, with a net charge-off rate of 4.37%. Average loans held for investment for that month were $256,201 million.

Source · Based on the filing body and exhibits

Domestic Credit Card 30-Day Delinquency Rate 3.39%

The company said 30+ day performing delinquencies on domestic credit card loans as of the end of June 30, 2026 were $8,770 million, with a delinquency rate of 3.39%. Period-end loans held for investment were $259,005 million.

Source · Based on the filing body and exhibits

Auto Loan Net Charge-Off Rate 1.65%, Delinquency Rate 4.32%

Capital One disclosed that net charge-offs on Consumer Banking auto loans for the month were $122 million with a net charge-off rate of 1.65%, and 30+ day performing delinquencies as of period-end were $3,862 million with a delinquency rate of 4.32%.

Source · Based on the filing body and exhibits

Auto Loan Nonperforming Loans $546 million

The company said nonperforming loans on auto loans as of period-end were $546 million, with a nonperforming loan rate of 0.61%. Average loans held for investment on auto loans were $88,676 million, and period-end loans held for investment were $89,311 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

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.