In August 2025, Capital One Financial Corporation reported its monthly charge-off and delinquency metrics for loans held for investment. Here's a breakdown of the key figures:
Credit Card: Average loans held for investment: $252,477 million Period-end loans held for investment: $254,686 million Net Charge-Offs: $989 million Net Charge-Off Rate: 4.70% 30+ Day Performing Delinquencies: $9,497 million 30+ Day Performing Delinquency Rate: 3.73%
Consumer Banking (Auto): Average loans held for investment: $81,147 million Period-end loans held for investment: $81,508 million Net Charge-Offs: $107 million Net Charge-Off Rate: 1.58% 30+ Day Performing Delinquencies: $4,101 million 30+ Day Performing Delinquency Rate: 5.03% Nonperforming Loans: $587 million Nonperforming Loan Rate: 0.72%
It's important to note that the net charge-off rate is impacted by fluctuations in recoveries, including impacts of debt sales. Additionally, the period-end and average loans held for investment include billed finance charges and fees, with uncollectible amounts being reflected as a reduction in revenue and not included in net charge-offs.
These metrics provide insight into the performance and quality of the loans in Capital One's portfolio, and they serve as indicators of the company's credit risk and asset quality. Comparing these figures to previous periods would provide a clearer picture of any changes in the company's credit metrics. Today the company's shares have moved -0.26% to a price of $223.76. For the full picture, make sure to review CAPITAL ONE FINANCIAL CORP's 8-K report.
