Monitor trends in consumer credit quality, particularly credit card and auto loan portfolios, as sustained elevated charge-off rates could pressure future profitability. Compare upcoming quarters to assess whether credit quality stabilizes or deteriorates further.
Price Chart
Executive Summary
Capital One Financial Corporation disclosed its monthly credit quality metrics for February 28, 2026, showing credit card net charge-off rate at 5.17% and auto loan net charge-off rate at 1.54%. Delinquency rates remained stable across both major lending segments.
Key Facts
- Credit card net charge-off rate was 5.17% for February 2026
- Auto loan net charge-off rate was 1.54% for February 2026
- Credit card 30+ day performing delinquency rate was 3.96%
- Auto loan 30+ day performing delinquency rate was 4.08%
- Nonperforming auto loans totaled $504 million (0.60% of portfolio)
Financial Impact
Credit card charge-offs at $1.094 billion, auto loan charge-offs at $108 million for the month
Risk Factors
- Rising consumer loan delinquencies could indicate weakening credit quality and lead to higher provisions for credit losses
- Persistent elevated charge-off rates may pressure net interest margin and profitability in consumer lending segments
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000927628-26-000028 |
| Exhibit: ex991february2026creditmet.htm | 0000927628-26-000028 |
| Document: 0000927628-26-000028-index-headers.html | 0000927628-26-000028 |
| Document: 0000927628-26-000028-index.html | 0000927628-26-000028 |
| Document: 0000927628-26-000028.txt | 0000927628-26-000028 |
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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