Capital One Financial Corporation provided detailed data on monthly charge-off and delinquency metrics for July 2025, offering insights into the performance of its loans held for investment.
The report includes information on net charge-offs, 30+ day performing delinquencies, and nonperforming loans across different loan categories.
This disclosure is crucial for investors and analysts to assess the credit quality and risk management practices of Capital One Financial.
Credit Card Metrics
Domestic credit card net charge-offs amounted to $1,010 million with a rate of 4.83%, indicating the level of credit losses in this segment.
Consumer Banking Trends
Auto loans showed a nontrivial charge-off of $106 million, highlighting potential risks in this category.
Delinquency Rates
The 30+ day performing delinquency rate for consumer banking auto loans stood at 1.59%, suggesting some borrowers are struggling with payments.
- The disclosed data provides a snapshot of Capital One Financial's asset quality and the performance of its loan portfolio in July 2025.
- Investors can use these metrics to evaluate the company's credit risk exposure and assess its financial health in the current economic environment.
Capital One Financial's credit metrics for July 2025 reflect the challenges and opportunities in managing credit risk in a dynamic market environment. It underscores the importance of prudent risk assessment and monitoring to maintain financial stability.