Capital One Discloses February 2026 Charge-Off and Delinquency Metrics

Details

The report includes detailed metrics on net charge-offs, 30+ day performing delinquencies, and nonperforming loans for various loan categories such as credit cards and auto loans. The net charge-off rate for credit cards was 5.17%, and for auto loans, it was 1.54%. The 30+ day performing delinquency rate for credit cards was 3.96%, and for auto loans, it was 4.08%. Nonperforming loans for auto loans were $504 million, representing 0.60% of period-end loans held for investment.

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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.