---
title: "Capital One Reports 5.01% Net Charge-Off Rate for Domestic Credit Card Loans in December 2025"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/273424106.md"
datetime: "2026-01-22T21:20:30.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/273424106.md)
  - [en](https://longbridge.com/en/news/273424106.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/273424106.md)
---

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# Capital One Reports 5.01% Net Charge-Off Rate for Domestic Credit Card Loans in December 2025

Capital One Financial Corporation reported its monthly charge-off and delinquency metrics for the period ended December 31, 2025. For the Domestic Credit Card segment, average loans held for investment were $259.8 billion, with period-end loans at $262.4 billion. Net charge-offs amounted to $1.09 billion, representing a 5.01% net charge-off rate. The 30+ day performing delinquency amount was $10.47 billion, with a delinquency rate of 3.99%. Nonperforming loan data for this segment was not applicable. In the Consumer Banking Auto segment, average loans held for investment were $83.3 billion, with period-end loans at $83.6 billion. Net charge-offs totaled $144 million, resulting in a 2.07% net charge-off rate. The 30+ day performing delinquency amount was $4.37 billion, with a delinquency rate of 5.23%. Nonperforming loans for the auto segment totaled $566 million, with a nonperforming loan rate of 0.68%. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Capital One Financial Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0000927628-26-000004), on January 22, 2026, and is solely responsible for the information contained therein. © Copyright 2026 - Public Technologies (PUBT) Original Document: here

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