Capital One Financial Corporation reported its monthly charge-off and delinquency metrics for the period ended December 31, 2025. For the Domestic Credit Card segment, average loans held for investment were $259.8 billion, with period-end loans at $262.4 billion. Net charge-offs amounted to $1.09 billion, representing a 5.01% net charge-off rate. The 30+ day performing delinquency amount was $10.47 billion, with a delinquency rate of 3.99%. Nonperforming loan data for this segment was not applicable. In the Consumer Banking Auto segment, average loans held for investment were $83.3 billion, with period-end loans at $83.6 billion. Net charge-offs totaled $144 million, resulting in a 2.07% net charge-off rate. The 30+ day performing delinquency amount was $4.37 billion, with a delinquency rate of 5.23%. Nonperforming loans for the auto segment totaled $566 million, with a nonperforming loan rate of 0.68%.

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