Monitor upcoming earnings for commentary on credit trends, especially auto delinquency levels, which may signal broader consumer stress. Compare these metrics to prior months and peer banks for relative performance.
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Executive Summary
Capital One Financial Corporation released its monthly credit quality metrics for March 2026, detailing net charge-offs and delinquency rates for its credit card and auto loan portfolios. The data provides insight into the performance of its core lending segments but contains no forward-looking guidance or material changes in strategy.
Key Facts
- Credit card net charge-offs were $1.065 billion (5.09% rate) on average loans of $250.871 billion as of March 31, 2026.
- Credit card 30+ day performing delinquencies were $9.395 billion (3.70% of period-end loans).
- Auto loan net charge-offs were $102 million (1.44% rate) on average loans of $85.134 billion.
- Auto loan 30+ day performing delinquencies were $3.609 billion (4.21% of period-end loans), with nonperforming loans at $475 million (0.55%).
Financial Impact
Credit card charge-off rate of 5.09% and auto delinquency rate of 4.21% reflect current portfolio performance; no material financial impact beyond ongoing credit trends.
Risk Factors
- Elevated auto loan delinquency rate (4.21%) could indicate consumer stress in that segment.
- Credit card charge-off rate above 5% may pressure future profitability if sustained.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000927628-26-000040 |
| Exhibit: ex991march2026creditmetrics.htm | 0000927628-26-000040 |
| Document: 0000927628-26-000040-index-headers.html | 0000927628-26-000040 |
| Document: 0000927628-26-000040-index.html | 0000927628-26-000040 |
| Document: 0000927628-26-000040.txt | 0000927628-26-000040 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 14, 2026 18d ago | Court Ruling | $206.68 $204.92 | ▼ −0.85% | ▼ −0.96% | $194.72 (−5.79%) |
Aug 31, 2026 4w ago | Court Ruling | $214.51 $213.96 | ▼ −0.26% | ▼ −0.11% | $194.72 (−9.23%) |
Aug 21, 2026 6w ago | Institutional Cluster | $217.91 $215.67 | ▼ −1.03% | ▼ −1.50% | $194.72 (−10.64%) |
Aug 20, 2026 6w ago | 8-K | $212.48 $216.67 | ▲ +1.97% | ▲ +0.86% | $194.72 (−8.36%) |
Aug 18, 2026 6w ago | Insider Cluster | $220.73 $217.21 | ▼ −1.59% | ▼ −1.21% | $194.72 (−11.78%) |
Aug 17, 2026 6w ago | Court Ruling | $221.45 $216.27 | ▼ −2.34% | ▼ −1.15% | $194.72 (−12.07%) |
Aug 17, 2026 6w ago | Insider Cluster | $221.45 $216.27 | ▼ −2.34% | ▼ −1.15% | $194.72 (−12.07%) |
Aug 11, 2026 7w ago | Insider Cluster | $219.15 $221.47 | ▲ +1.06% | ▲ +1.46% | $194.72 (−11.15%) |
Aug 10, 2026 7w ago | Insider Cluster | $219.15 $221.47 | ▲ +1.06% | ▲ +1.46% | $194.72 (−11.15%) |
Aug 6, 2026 8w ago | Court Ruling | $220.00 $223.83 | ▲ +1.74% | ▲ +0.53% | $194.72 (−11.49%) |
US Market Status
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