# EDGAR Filing Document

**Accession Number:** 0000927628
**File Stem:** 0000927628-25-000241
**Filing Date:** 2025-7
**Character Count:** 9845
**Document Hash:** bce958a1b7ac9c808138b56626ec40af
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000927628-25-000241.hdr.sgml**: 20250722

**ACCESSION NUMBER**: 0000927628-25-000241

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20250722

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250722

**DATE AS OF CHANGE**: 20250722

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CAPITAL ONE FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000927628
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 541719854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-13300
- **FILM NUMBER:** 251140370

**BUSINESS ADDRESS:**
- **STREET 1:** 1680 CAPITAL ONE DRIVE
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102
- **BUSINESS PHONE:** 7037201000

**MAIL ADDRESS:**
- **STREET 1:** 1680 CAPITAL ONE DRIVE
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** OAKSTONE FINANCIAL CORP
- **DATE OF NAME CHANGE:** 19940728

?xml version='1.0' encoding='ASCII'? cof-20250722

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

____________________________________

**FORM 8-K** 

____________________________________

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of** 

**The Securities Exchange Act of 1934**

 **July 22, 2025**

**Date of Report (Date of earliest event reported)**

____________________________________

**CAPITAL ONE FINANCIAL CORPORATION**

**(Exact name of registrant as specified in its charter)**

____________________________________

---

| | | | |
|:---|:---|:---|:---|
| **Delaware** | **Delaware** | **001-13300** | **54-1719854** |
| **(State or other jurisdiction of incorporation)** | **(State or other jurisdiction of incorporation)** | **(Commission File Number)** | **(IRS Employer Identification No.)** |
| **1680 Capital One Drive,** | **1680 Capital One Drive,** | | |
| **McLean,** | **Virginia** | | **22102** |
| **(Address of principal executive offices)** | **(Address of principal executive offices)** | | **(Zip Code)** |

---

**Registrant's telephone number, including area code: (703) 720-1000** 

**(Not applicable)**

**(Former name or former address, if changed since last report)**

____________________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐&nbsp;&nbsp;&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐&nbsp;&nbsp;&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

---

| | | |
|:---|:---|:---|
| **Title of Each Class** | **Trading Symbol(s)** | **Name of Each Exchange on Which Registered** |
| Common Stock (par value $.01 per share) | COF | New York Stock Exchange |
| Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series I | COF PRI | New York Stock Exchange |
| Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series J | COF PRJ | New York Stock Exchange |
| Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K | COF PRK | New York Stock Exchange |
| Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L | COF PRL | New York Stock Exchange |
| Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series N | COF PRN | New York Stock Exchange |
| 1.650% Senior Notes Due 2029 | COF29 | New York Stock Exchange |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company&nbsp;&nbsp;&nbsp;&nbsp; ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Item 7.01**&nbsp;&nbsp;&nbsp;&nbsp;**Regulation FD Disclosure.**

Capital One Financial Corporation (the "Company") hereby furnishes the information in Exhibit 99.1 hereto, Monthly Charge-Off and Delinquency Metrics - As of and for the month ended June 30, 2025.

*Note:* Information in this report (including the exhibit) furnished pursuant to Item 7.01 shall not be deemed to be "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section. This report will not be deemed an admission as to the materiality of any information in the report that is required to be disclosed solely by Regulation FD. Furthermore, the information provided in Exhibit 99.1 shall not be deemed incorporated by reference into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934.

**Item 9.01**&nbsp;&nbsp;&nbsp;&nbsp;**Financial Statements and Exhibits.**

(d) Exhibits

---

| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| 99.1 | <u>[Monthly Charge-Off and Delinquency Metrics - As of and for the month ended](ex991june2025creditmetrics.htm)[June 30](ex991june2025creditmetrics.htm)[, 2025](ex991june2025creditmetrics.htm)</u> |
| 104 | The cover page from this Current Report on Form 8-K, formatted in Inline XBRL |

---

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**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| | **CAPITAL ONE FINANCIAL CORPORATION** | **CAPITAL ONE FINANCIAL CORPORATION** |
| Date: July 22, 2025 | By: | /s/ TIMOTHY P. GOLDEN |
|  |  | Timothy P. Golden |
|  |  | Chief Accounting Officer |

---

## Exhibit 99.1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

 **Exhibit 99.1** 

**Capital One Financial Corporation** 

**Monthly Charge-Off and Delinquency Metrics**

**As of and for the month ended June 30, 2025**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Loans Held for Investment** | **Loans Held for Investment** | **Net Charge-Offs** | **Net Charge-Offs** | **30+ Day Performing Delinquencies** | **30+ Day Performing Delinquencies** | **Nonperforming Loans** | **Nonperforming Loans** |
|<br>*(Dollars in millions, except as noted)* | **Average** | **Period-End** | **Amount** | **Rate**<sup>(1)</sup> | **Amount** | **Rate**<sup>(2)</sup> | **Amount** | **Rate**<sup>(3)</sup> |
| **Credit Card:**<sup>(4)</sup> |  |  |  |  |  |  |  |  |
| Capital One Domestic | $150686 | $152772 | $664 | 5.29% | $5983 | 3.92% | N/A | N/A |
| Discover Domestic | 99436 | 99709 | 370 | 4.47 | 3097 | 3.11 | N/A | N/A |
| &nbsp;&nbsp;&nbsp;&nbsp;Domestic Card | 250122 | 252481 | 1034 | 4.96 | 9080 | 3.60 | N/A | N/A |
| **Consumer Banking:** |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Auto | 79694 | 80017 | 112 | 1.69 | 3872 | 4.84 | $585 | 0.73% |

---

___________________

<sup>(1)</sup> Net charge-off rate is calculated by dividing annualized net charge-offs for the period by average loans held for investment during the period for the specified loan category. Net charge-offs and the net charge-off rate are impacted periodically by fluctuations in recoveries, including impacts of debt sales. Effective May 18, 2025, Capital One completed its acquisition of Discover Financial Services. Prior to Legal Day 1, Discover recognized accelerated charge-offs for certain Domestic Credit Card accounts where the cardholder is deceased or bankrupt. This led to a decrease in net charge-offs of approximately $39 million in June 2025 and decreased the Discover Domestic net charge-off rate for June by approximately 47 basis points and the Total Domestic Card net charge-off rate by approximately 19 basis points. Excluding this impact, the net charge-off rate for June would have been 4.94% and 5.15% for Discover Domestic and Total Domestic Card, respectively.

<sup>(2)</sup> 30+ day performing delinquency rate is calculated by dividing 30+ day performing delinquent loans as of the end of the period by period-end loans held for investment for the specified loan category. At Legal Day 1, Discover aligned their calculation methodology with Capital One which resulted in a decrease to the June Discover Domestic 30+ day performing delinquency rate of 23 basis points and the June Total Domestic Card 30+ day performing delinquency rate of 9 basis points.

<sup>(3)</sup> Nonperforming loan rate is calculated by dividing nonperforming loans as of the end of the period by period-end loans held for investment for the specified loan category.

<sup>(4)</sup> Charge-offs exclude $18.0 billion of acquired Discover loans that are fully charged-off.

<br>