Capital One Discloses December 2025 Charge-Off and Delinquency Metrics

Details

For credit cards, the net charge-off rate was 5.01%, and for consumer banking auto loans, it was 2.07%. The 30+ day performing delinquency rate for credit cards was 3.99%, while for auto loans, it was 5.23%. Nonperforming loans for auto loans were reported at $566 million with a rate of 0.68%.

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About Capital One Financial Corporation

Capital One Financial Corporation is a prominent American financial services company known for its specialization in credit card, auto loan, banking, and savings accounts. Headquartered in McLean, Virginia, it stands as one of the largest banks in the United States and is a crucial player in the retail and commercial banking space. Capital One's primary function is to provide comprehensive financial solutions to both consumers and businesses, leveraging technology and analytics to enhance customer experience and operational efficiency. It has a significant presence in the credit card markets, often recognized for imaginative and innovative reward programs. The company impacts various sectors, including personal finance, small business, and automotive finance, positioning itself strategically across competitive loan markets. Capital One also maintains a robust digital platform, reflecting its commitment to harnessing technological advancements and simplifying banking processes for users. By offering a diverse range of products and services, Capital One Financial Corporation plays a pivotal role in shaping the financial behavior of millions of customers while contributing to the broader banking industry's evolution.