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Lender stress: Capital One Financial Corporation
Ticker COF. Three public records about this lender, one panel each. They are not combined: each has its own source, date and caveat.
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Bank card and auto loans at Capital One Financial Corporation
Q2 2026Past-due and charge-off rates on credit card and auto loans of the banks Capital One Financial Corporation owns, from FDIC call reports
US bank subsidiaries Q2 2026: card past due 3.90%, auto past due 4.32%. Banks: CAPITAL ONE NATIONAL ASSN.
| Quarter | Card loans | Card past due | Card charge-offs | Auto loans | Auto past due | Auto charge-offs |
|---|---|---|---|---|---|---|
| Q2 2026 | $251B | 3.90% | 4.79% | $89.3B | 4.32% | 1.40% |
| Q1 2026 | $247B | 4.25% | 5.24% | $85.7B | 4.21% | 1.61% |
| Q4 2025 | $256B | 4.52% | 4.93% | $83.6B | 5.23% | 1.80% |
| Q3 2025 | $247B | 4.44% | 4.72% | $82.0B | 4.99% | 1.52% |
| Q2 2025 | $246B | 4.11% | 4.21% | $80.0B | 4.84% | 1.23% |
| Q1 2025 | $143B | 5.03% | 6.41% | $77.7B | 4.93% | 1.54% |
| Q4 2024 | $149B | 5.29% | 6.17% | $76.8B | 5.95% | 2.30% |
| Q3 2024 | $143B | 5.36% | 5.77% | $75.5B | 5.61% | 2.03% |
Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. These are the figures of the lender's US bank subsidiaries, as filed with the FDIC, not of the holding company's whole business. A lender can hold part of its card or auto loans outside its banks. Past due means 30 or more days; charge-offs are the quarter's net charge-offs times four, over loans.
Credit card metrics at Capital One Financial Corporation
Sep 2026Monthly charge-offs and late payments on credit card loans, from Capital One Financial Corporation's own reports and the card trusts it sponsors, filed with the SEC
Issuer-wide figures and securitized card pools are different sets of loans, so they are shown apart and are not added together.
Capital One, domestic card Issuer-wide
Sep 2026: net charge-offs 3.66% (-0.7 pp against a year earlier), 30+ days late 3.74%(-0.1 pp), loans $260B. Domestic credit card loans of Capital One (Discover included from June 2025).
| Month | Net charge-offs | 30+ days late | Loans |
|---|---|---|---|
| Sep 2026 | 3.66% | 3.74% | $260B |
| Aug 2026 | 4.16% | 3.57% | $261B |
| Jul 2026 | 4.12% | 3.48% | $259B |
| Jun 2026 | 4.37% | 3.39% | $259B |
| May 2026 | 4.82% | 3.33% | $258B |
| Apr 2026 | 4.94% | 3.44% | $255B |
| Mar 2026 | 5.09% | 3.7% | $254B |
| Feb 2026 | 5.17% | 3.96% | $252B |
| Jan 2026 | 5.04% | 4.04% | $257B |
| Dec 2025 | 5.01% | 3.99% | $262B |
| Nov 2025 | 5.02% | 4.01% | $257B |
| Oct 2025 | 4.77% | 3.99% | $254B |
| Sep 2025 | 4.35% | 3.89% | $254B |
Includes Discover's domestic card loans from the June 2025 report on (acquisition closed May 18, 2025); earlier months are Capital One alone. Net charge-off rate is annualized net charge-offs over average loans held for investment; the 30+ day delinquency rate is performing loans 30 or more days past due over period-end loans held for investment.
- Capital One, domestic card, Jun 2025 (definition changed): Capital One closed the Discover acquisition in May 2025. From June 2025 domestic card loans include Discover's card loans, so loans jump from about 152 billion to 252 billion. Changes are not computed across this month.
Capital One, auto Issuer-wide
Sep 2026: net charge-offs 1.62% (+0.2 pp against a year earlier), 30+ days late 4.64%(-0.3 pp), loans $92.9B. Auto loans of Capital One.
| Month | Net charge-offs | 30+ days late | Loans |
|---|---|---|---|
| Sep 2026 | 1.62% | 4.64% | $92.9B |
| Aug 2026 | 1.66% | 4.54% | $91.9B |
| Jul 2026 | 1.48% | 4.39% | $90.5B |
| Jun 2026 | 1.65% | 4.32% | $89.3B |
| May 2026 | 1.45% | 4.24% | $88.0B |
| Apr 2026 | 1.2% | 4.02% | $86.8B |
| Mar 2026 | 1.44% | 4.21% | $85.7B |
| Feb 2026 | 1.54% | 4.08% | $84.6B |
| Jan 2026 | 1.94% | 4.76% | $84.1B |
| Dec 2025 | 2.07% | 5.23% | $83.6B |
| Nov 2025 | 1.71% | 5.02% | $83.0B |
| Oct 2025 | 1.67% | 4.97% | $82.5B |
| Sep 2025 | 1.46% | 4.99% | $82.0B |
Consumer Banking auto loans held for investment (Discover has no auto book). Net charge-off rate is annualized net charge-offs over average loans held for investment; the 30+ day delinquency rate is performing loans 30 or more days past due over period-end loans held for investment. The nonperforming loan rate is nonperforming loans over period-end loans.
Capital One Multi-asset Execution Trust Securitized card pool
Sep 2026: net charge-offs 1.69% (-0.5 pp against a year earlier), 30+ days late 1.72%(-0.1 pp), loans $23.0B. Securitized card pool: Capital One Master Trust.
| Month | Net charge-offs | 30+ days late | Loans | Yield | Excess spread | Payment rate |
|---|---|---|---|---|---|---|
| Sep 2026 | 1.69% | 1.72% | $23.0B | 26.89% | — | 46.00% |
| Aug 2026 | 2.01% | 1.64% | $23.3B | 27.39% | — | 46.81% |
| Jul 2026 | 1.8% | 1.62% | $23.3B | 27.09% | — | 47.98% |
| Jun 2026 | 1.92% | 1.59% | $23.4B | 27.49% | — | 48.41% |
| May 2026 | 2.23% | 1.6% | $23.5B | 27.26% | — | 46.58% |
| Apr 2026 | 2.16% | 1.65% | $23.2B | 27.56% | — | 47.09% |
| Mar 2026 | 2.38% | 1.76% | $23.3B | 27.46% | — | 46.18% |
| Feb 2026 | 2.47% | 1.88% | $22.8B | 26.46% | — | 43.23% |
| Jan 2026 | 2.3% | 1.88% | $23.4B | 26.03% | — | 45.84% |
| Dec 2025 | 2.35% | 1.84% | $24.4B | 28.33% | — | 49.13% |
| Nov 2025 | 2.42% | 1.87% | $23.7B | 26.96% | — | 43.21% |
| Oct 2025 | 2.34% | 1.87% | $23.5B | 27.71% | — | 46.41% |
| Sep 2025 | 2.21% | 1.86% | $23.5B | 27.36% | — | 45.99% |
Capital One Master Trust, the collateral of Capital One Multi-asset Execution Trust. Yield is the annualized gross yield on principal receivables (before losses); the net loss rate is the annualized net default rate; the payment rate is the principal payment rate. The delinquency rate is accounts 30 or more days past due as a share of total receivables. The issuer reports excess spread only as a dollar amount.
Source: the issuers' and trusts' filings with the SEC (Forms 8-K and 10-D), newest month Sep 2026. US public records (SEC EDGAR), public domain. Percentages are as each issuer reports them. Definitions differ between issuers and between a trust and its issuer. Not investment advice.
Consumer complaints at Capital One Financial Corporation
Jul–Sep 2026Complaints to the CFPB about Capital One Financial Corporation: trend, products, issues, answered in time and closed with relief
Jul–Sep 2026: 9,475 complaints, -3.9% against Jul–Sep 2025 (9,861). 100% were answered in time; 17% of the 9,399 closed ended with monetary or non-monetary relief.
Complaints by month
By product, Jul–Sep 2026
| Product | Complaints | Share | Year earlier | ChangeAgainst the same three months a year earlier. Shown when that window had at least 50 complaints. | In timeShare of complaints the company answered within the CFPB's deadline. | ReliefShare of closed complaints that ended with monetary or non-monetary relief for the consumer. |
|---|---|---|---|---|---|---|
| Credit card | 4,265 | 45% | 3,325 | +28.3% | 100% | 23% |
| Credit reporting or other personal consumer reports | 2,497 | 26% | 3,714 | -32.8% | 100% | 14% |
| Checking or savings account | 1,271 | 13% | 1,038 | +22.4% | 100% | 8% |
| Debt collection | 937 | 10% | 1,355 | -30.9% | 100% | 15% |
| Vehicle loan or lease | 324 | 3% | 259 | +25.1% | 100% | 3% |
| Money transfer, virtual currency, or money service | 116 | 1% | 103 | +12.6% | 100% | 8% |
| Debt or credit management | 22 | 0% | 31 | — | 100% | 14% |
| Prepaid card | 20 | 0% | 5 | — | 100% | 32% |
| Payday loan, title loan, personal loan, or advance loan | 15 | 0% | 15 | — | 100% | 13% |
| Student loan | 6 | 0% | 9 | — | 100% | 0% |
| Mortgage | 2 | 0% | 7 | — | 100% | 50% |
Biggest issues
| Issue | Complaints | Year earlier |
|---|---|---|
| Problem with a purchase shown on your statement Credit card | 1,437 | 896 |
| Incorrect information on your report Credit reporting or other personal consumer reports | 1,410 | 1,922 |
| Managing an account Checking or savings account | 826 | 621 |
| Other features, terms, or problems Credit card | 593 | 382 |
| Problem with a company's investigation into an existing problem Credit reporting or other personal consumer reports | 516 | 682 |
| Improper use of your report Credit reporting or other personal consumer reports | 484 | 1,024 |
| Closing your account Credit card | 387 | 377 |
| Getting a credit card Credit card | 379 | 459 |
Complaints are unverified and grow with a company's customer count; compare trends, not totals. Source: CFPB Consumer Complaint Database (CFPB), complaints received through 2026-11-11. The newest 15 days are left out: the CFPB publishes a complaint up to 15 days after it arrives.
Information, not investment advice (disclaimer). All lenders.