Monitor next quarter's earnings release for any trend in credit quality deterioration or guidance revision. No immediate trading catalyst.
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Executive Summary
Capital One filed its monthly credit metrics for September 2026, disclosing a domestic credit card net charge-off rate of 3.66% and a 30+ day performing delinquency rate of 3.74%, along with auto loan net charge-offs of 1.62% and a 30+ day performing delinquency rate of 4.64%. This is a routine monthly disclosure with no material credit data, showing no unexpected deterioration or improvement.
Key Facts
- Domestic credit card net charge-off rate: 3.66% (annualized) on average loans of $257,744 million
- Domestic credit card 30+ day performing delinquency rate: 3.74% on period-end loans of $260,252 million
- Auto loan net charge-off rate: 1.62% (annualized) on average loans of $92,450 million
- Auto loan 30+ day performing delinquency rate: 4.64% on period-end loans of $92,901 million
- Auto nonperforming loan rate: 0.65% on period-end loans of $92,901 million
Financial Impact
Routine monthly credit metric disclosure; no material financial impact indicated.
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000927628-26-000143 |
| Exhibit: ex991september2026creditme.htm | 0000927628-26-000143 |
| Document: 0000927628-26-000143-index-headers.html | 0000927628-26-000143 |
| Document: 0000927628-26-000143-index.html | 0000927628-26-000143 |
| Document: 0000927628-26-000143.txt | 0000927628-26-000143 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 3d ago | Court Ruling | — | awaiting T+5 | — | — |
Oct 20, 2026 6d ago | 8-K | $206.66 | awaiting T+5 | — | $202.35 (−2.09%) |
Oct 20, 2026 6d ago | 8-K | $206.66 | awaiting T+5 | — | $202.35 (−2.09%) |
Oct 19, 2026 7d ago | Insider Cluster | $201.56 | awaiting T+5 | — | $202.35 (+0.39%) |
Oct 15, 2026 11d ago | Court Ruling | $201.74 $201.34 | ▼ −0.20% | ▲ +0.23% | $202.35 (+0.30%) |
Oct 6, 2026 20d ago | 144 | $195.91 $194.35 | ▼ −0.80% | ▲ +0.18% | $202.35 (+3.29%) |
Sep 28, 2026 28d ago | Court Ruling | $196.46 $195.82 | ▼ −0.33% | ▼ −2.27% | $202.35 (+3.00%) |
Sep 28, 2026 28d ago | Court Ruling | $196.46 $195.82 | ▼ −0.33% | ▼ −2.27% | $202.35 (+3.00%) |
Sep 21, 2026 5w ago | Court Ruling | $200.55 $196.46 | ▼ −2.04% | ▼ −0.85% | $202.35 (+0.90%) |
Sep 16, 2026 5w ago | Insider Cluster | $202.04 $196.61 | ▼ −2.69% | ▼ −3.29% | $202.35 (+0.15%) |
US Market Status
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