CAPITAL ONE FINANCIAL CORP (COF) · Material Event (8-K) SEC Filing

EX-99.1 2 ex991june2026creditmetrics.htm EX-99.1 Document Exhibit 99.1 Capital One Financial Corporation Monthly Charge-Off and Delinquency MetricsAs of and for the month ended June 30, 2026 Loans Held for Investment Net Charge-Offs 30+ Day Performing Delinquencies Nonperforming Loans (Dollars in millions, except as noted) Average Period-End Amount Rate(1) Amount Rate(2) Amount Rate(3) Credit Card (4) Domestic $ 256,201 $ 259,005 $ 934 4.37 % $ 8,770 3.39 % N A N A Consumer Banking Auto 88,676 89,311 122 1.65 3,862 4.32 $ 546 0.61 % ___________________ (1)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. (2)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. (3)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.(4)Period-end loans held for investment and average loans held for investment include billed finance charges and fees. We recognize billed finance charges and fee income on open-ended loans in accordance with the contractual provisions of the credit arrangements and estimate the uncollectible amount on a quarterly basis. Billed finance charges and fees that are ultimately uncollectible are reflected as a reduction in revenue and not included in our net charge-offs.