Capital One Reports December 2025 Monthly Credit Card and Auto Loan Charge-Offs and Delinquencies
Summary
Capital One released its December 2025 credit quality metrics, showing substantial charge-offs and delinquencies in its domestic credit card and auto loan portfolios, which are key indicators of asset health for the financial giant.
Key Events
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Domestic Credit Card Charge-Offs
Capital One reported an annualized net charge-off rate of 5.01% for its domestic credit card portfolio, totaling $1.085 billion in net charge-offs for December 2025.
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Domestic Credit Card Delinquencies
The domestic credit card segment showed a 30+ day performing delinquency rate of 3.99%, with $10.471 billion in delinquent loans.
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Auto Loan Credit Quality
The auto loan portfolio recorded an annualized net charge-off rate of 2.07% ($144 million) and a 30+ day performing delinquency rate of 5.23% ($4.371 billion) for the month.
Analysis
Capital One Financial Corporation disclosed its monthly credit quality metrics for December 2025, revealing significant charge-offs and delinquencies in its domestic credit card and auto loan portfolios. The domestic credit card segment reported an annualized net charge-off rate of 5.01% and a 30+ day performing delinquency rate of 3.99%. The auto loan portfolio showed an annualized net charge-off rate of 2.07% and a 30+ day performing delinquency rate of 5.23%. These metrics are crucial indicators of asset quality and potential future earnings for a major financial institution. Investors should monitor these trends closely as they reflect the health of consumer credit and Capital One's loan book.
At the time of this filing, COF was trading at $228.11 on NYSE in the Finance sector, with a market capitalization of approximately $149.4B. The 52-week trading range was $143.22 to $259.64. This filing was assessed with negative market sentiment and an importance score of 7 out of 10.