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.
Price Chart
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% | $195.52 (−5.40%) |
Aug 31, 2026 4w ago | Court Ruling | $214.51 $213.96 | ▼ −0.26% | ▼ −0.11% | $195.52 (−8.85%) |
Aug 21, 2026 6w ago | Institutional Cluster | $217.91 $215.67 | ▼ −1.03% | ▼ −1.50% | $195.52 (−10.27%) |
Aug 20, 2026 6w ago | 8-K | $212.48 $216.67 | ▲ +1.97% | ▲ +0.86% | $195.52 (−7.98%) |
Aug 18, 2026 6w ago | Insider Cluster | $220.73 $217.21 | ▼ −1.59% | ▼ −1.21% | $195.52 (−11.42%) |
Aug 17, 2026 6w ago | Court Ruling | $221.45 $216.27 | ▼ −2.34% | ▼ −1.15% | $195.52 (−11.71%) |
Aug 17, 2026 6w ago | Insider Cluster | $221.45 $216.27 | ▼ −2.34% | ▼ −1.15% | $195.52 (−11.71%) |
Aug 11, 2026 7w ago | Insider Cluster | $219.15 $221.47 | ▲ +1.06% | ▲ +1.46% | $195.52 (−10.78%) |
Aug 10, 2026 7w ago | Insider Cluster | $219.15 $221.47 | ▲ +1.06% | ▲ +1.46% | $195.52 (−10.78%) |
Aug 6, 2026 8w ago | Court Ruling | $220.00 $223.83 | ▲ +1.74% | ▲ +0.53% | $195.52 (−11.13%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Try SecBot Free Coming soon: SecBot Pro with alerts, watchlists, and API access