Capital One Financial Corp Reports Rising Charge-Offs and Delinquencies

By Philip Seaworth • Monday, November 17 10:11 • Permanent Link

Capital One Financial Corporation has released its monthly charge-off and delinquency metrics for the month ended October 31, 2025. Here's a breakdown of the key figures for the credit card and consumer banking segments:

Credit Card Segment: Net Charge-Offs: $1,002 million Net Charge-Off Rate: 4.77% 30+ Day Performing Delinquencies: $10,138 million 30+ Day Performing Delinquency Rate: 3.99% * Nonperforming Loans: Data not available

Consumer Banking Segment: Auto Loans Held for Investment: $82,452 million Net Charge-Offs: $115 million Net Charge-Off Rate: 1.67% 30+ Day Performing Delinquencies: $4,097 million 30+ Day Performing Delinquency Rate: 4.97% Nonperforming Loans: $529 million * Nonperforming Loan Rate: 0.64%

Comparing these metrics to the previous period, it's evident that there have been changes in the levels of charge-offs and delinquencies in both segments. Specifically, the net charge-off rate for credit cards has increased from the previous period, while the 30+ day performing delinquency rate has decreased. In the consumer banking segment, the net charge-off rate for auto loans has also seen a change, as well as the nonperforming loan rate.

These figures provide insights into the credit quality and performance of Capital One's loan portfolios, indicating shifts in the levels of charge-offs and delinquencies for the specified loan categories. Following these announcements, the company's shares moved -2.61%, and are now trading at a price of $211.15. For more information, read the company's full 8-K submission here.

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