Capital One Financial Corporation has released its Monthly Charge-Off and Delinquency Metrics for October 2025, providing insights into the performance of its loans.
The report includes data on Net Charge-Offs, 30+ Day Performing Delinquencies, and Nonperforming Loans for different loan categories.
Key areas of focus are credit card and consumer banking segments, showcasing the company's risk management strategies.
Credit Card Performance
Domestic credit card net charge-offs amount to $1,002 million with a rate of 4.77%. Delinquency rate stands at 3.99%.
Auto Loans
Auto loans report net charge-offs of $115 million with a rate of 1.67%. Nonperforming loans are $529 million, with a rate of 0.64%.
Loan Evaluation Metrics
Calculation methods for net charge-off rate, performing delinquency rate, and nonperforming loan rate are provided for better understanding.
- The disclosed metrics offer transparency into Capital One's asset quality and risk exposure in the credit market.
- Understanding the trends in charge-offs and delinquencies can help investors assess the financial health and performance of the company.
The October 2025 Credit Metrics report by Capital One highlights the importance of monitoring credit performance and loan quality. It reflects the company's commitment to transparency and risk management practices.