COF 8-K: Smart Summary

Capital One Financial Corporation filed its Monthly Charge-Off and Delinquency Metrics for the month ended May 31, 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 and for the period ended May 31, 2026.

• Filing covers monthly credit metrics as of and for the month ended May 31, 2026, furnished under Regulation FD (Item 7.01).
• Domestic Credit Card: average loans held for investment of $254.6B; period-end loans held for investment of $258B (includes billed finance charges and fees).
• Domestic Credit Card: net charge-offs of $1B; net charge-off rate of 4.82%.
• Domestic Credit Card: 30+ day performing delinquent loans of $8.6B; 30+ day performing delinquency rate of 3.33%; nonperforming loan data reported as N/A.
• Auto (Consumer Banking): average loans held for investment of $87.3B; period-end loans held for investment of $88B.
• Auto (Consumer Banking): net charge-offs of $105M; net charge-off rate of 1.45%.
• Auto (Consumer Banking): 30+ day performing delinquent loans of $3.7B; 30+ day performing delinquency rate of 4.24%.
• Auto (Consumer Banking): nonperforming loans of $549M; nonperforming loan rate of 0.62%.
• Net charge-off rates are annualized and calculated by dividing annualized net charge-offs by average loans held for investment; results are noted to be periodically impacted by fluctuations in recoveries, including debt sales.
• The information furnished in this report is not deemed 'filed' for purposes of Section 18 of the Securities Exchange Act of 1934 and is not incorporated by reference into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934.