CAPITAL ONE FINANCIAL CORP
For the period ended Sep 30, 2025. Filed Nov 3, 2025.
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Sep 30, 2025 · Filed Nov 3, 2025
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30+ Day Delinquencies
Delinquency Rates
We consider the entire balance of an account to be delinquent if the minimum required payment is not received by the customer’s due date, measured at each balance sheet date. Our 30+ day delinquency metrics include all loans held for investment that are 30 or more days past due, whereas our 30+ day performing delinquency metrics include all loans held for investment that are 30 or more days past due but are currently classified as performing and accruing interest. The 30+ day delinquency and 30+ day performing delinquency metrics are the same for domestic credit card loans, as we continue to classify these loans as performing until the account is charged off, typically when the account is 180 days past due. See “Part II—Item 8. Financial Statements and Supplementary Data—Note 1—Summary of Significant Accounting Policies” in our 2024 Form 10-K for information on our policies for classifying loans as nonperforming for each of our loan categories. We provide additional information on our credit quality metrics in “Business Segment Financial Performance.”
Table 21 presents our 30+ day performing delinquency rates and 30+ day delinquency rates of our portfolio of loans held for investment, by portfolio segment, as of September 30, 2025 and December 31, 2024.
Table 21:30+ Day Delinquencies
| September 30, 2025 · December 31, 2024 | ||||||||
|---|---|---|---|---|---|---|---|---|
| 30+ Day Performing Delinquencies | 30+ Day Delinquencies | 30+ Day Performing Delinquencies | 30+ Day Delinquencies | |||||
| (Dollars in millions) | Amount | Rate(1) | Amount | Rate(1) | Amount | Rate(1) | Amount | Rate(1) |
| Credit Card: | ||||||||
| Domestic credit card | $9,888 | 3.89% | $9,888 | 3.89% | $7,053 | 4.53% | $7,053 | 4.53% |
| Personal loans | 168 | 1.74 | 177 | 1.83 | N/A | N/A | N/A | N/A |
| International card businesses | 342 | 4.60 | 352 | 4.74 | 311 | 4.52 | 320 | 4.64 |
| Total credit card | 10,398 | 3.84 | 10,417 | 3.84 | 7,364 | 4.53 | 7,373 | 4.54 |
| Consumer Banking: | ||||||||
| Auto | 4,094 | 4.99 | 4,587 | 5.59 | 4,572 | 5.95 | 5,229 | 6.81 |
| Retail banking | 11 | 0.89 | 15 | 1.26 | 14 | 1.12 | 26 | 2.05 |
| Total consumer banking | 4,105 | 4.93 | 4,602 | 5.53 | 4,586 | 5.87 | 5,255 | 6.73 |
| Commercial Banking: | ||||||||
| Commercial and multifamily real estate | 59 | 0.18 | 96 | 0.29 | 40 | 0.13 | 170 | 0.53 |
| Commercial and industrial | 36 | 0.06 | 408 | 0.74 | 99 | 0.18 | 242 | 0.44 |
| Total commercial banking | 95 | 0.11 | 504 | 0.57 | 139 | 0.16 | 412 | 0.47 |
| Total | $14,598 | 3.29 | $15,523 | 3.50 | $12,089 | 3.69 | $13,040 | 3.98 |
(1)Delinquency rates are calculated by dividing delinquency amounts by period-end loans held for investment for each specified loan category.
| 49 | Capital One Financial Corporation (COF) |
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