Capital One Reports October 2025 Credit Card Net Charge-Off Rate of 4.77%
Capital One Financial Corporation reported its monthly charge-off and delinquency metrics for the period ended October 31, 2025. For domestic credit cards, the average loans held for investment stood at $252.3 billion, with period-end loans at $254.2 billion. Net charge-offs amounted to $1.0 billion, representing a net charge-off rate of 4.77%. The 30+ day performing delinquencies totaled $10.1 billion, resulting in a delinquency rate of 3.99%. In the consumer banking segment, the auto loan portfolio had average loans held for investment of $82.2 billion and period-end loans of $82.5 billion. Net charge-offs for auto loans were $115 million, with a net charge-off rate of 1.67%. The 30+ day performing delinquencies in auto loans totaled $4.1 billion, with a delinquency rate of 4.97%. Nonperforming auto loans were reported at $529 million, corresponding to a nonperforming loan rate of 0.64%.
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