COF 8-K: Smart Summary

Capital One Financial Corporation filed its Monthly Charge-Off and Delinquency Metrics for the month ended April 30, 2026, covering its Domestic Credit Card and Auto loan portfolios. The disclosure provides net charge-off rates, 30+ day performing delinquency rates, and nonperforming loan rates for each segment as of the reporting date. This information was furnished pursuant to Regulation FD and is not deemed 'filed' under the Securities Exchange Act of 1934.

• Reporting period: as of and for the month ended April 30, 2026
• Domestic Credit Card: average loans held for investment of $253.1B; period-end loans held for investment of $255.3B (including billed finance charges and fees)
• Domestic Credit Card: net charge-offs of $1B; annualized net charge-off rate of 4.94%
• Domestic Credit Card: 30+ day performing delinquent loans of $8.8B; 30+ day performing delinquency rate of 3.44%; nonperforming loan data reported as N/A
• Auto (Consumer Banking): average loans held for investment of $86.2B; period-end loans held for investment of $86.8B
• Auto (Consumer Banking): net charge-offs of $86M; annualized net charge-off rate of 1.20%
• Auto (Consumer Banking): 30+ day performing delinquent loans of $3.5B; 30+ day performing delinquency rate of 4.02%
• Auto (Consumer Banking): nonperforming loans of $477M; nonperforming loan rate of 0.55%
• Net charge-off rates are calculated using annualized net charge-offs divided by average loans held for investment; rates are noted to be periodically impacted by fluctuations in recoveries, including impacts of debt sales
• Information furnished under Item 7.01 (Regulation FD) and is not deemed incorporated by reference into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934