Business Context and Reporting Period
Company: Capital One Financial Corporation
Filing Type: Form 8-K (Current Report)
Date of Report: February 13, 2026
Reporting Period: Monthly metrics as of and for the month ended January 31, 2026.
Purpose: Regulation FD Disclosure providing monthly charge-off and delinquency metrics.
Key Financial Metrics
This filing does not contain comprehensive financial statements. It specifically discloses operational metrics related to credit quality:
- Charge-Off Metrics: Data provided for the month ended January 31, 2026 (specific values contained in Exhibit 99.1).
- Delinquency Metrics: Data provided for the month ended January 31, 2026 (specific values contained in Exhibit 99.1).
- Revenue, Profit, Cash Flow, Margins, Debt, Liquidity: The filing text does not provide clear values for these items.
Material Changes
The filing text does not explicitly state material changes versus the prior comparable period. It serves as a disclosure of current monthly metrics without comparative analysis in the body of the report.
Guidance, Outlook, and Risks
- Management Commentary: None provided in the body of this report.
- Guidance/Outlook: No forward-looking guidance is included in this filing.
- Risks and Contingencies: The filing includes a standard disclaimer that the information furnished pursuant to Item 7.01 is not deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 and is not subject to the liabilities of that section. It also states the information shall not be deemed incorporated by reference into other filings.
- Unusual Items: None identified in the text.
Investor Verification Checklist
- Review Exhibit 99.1 for the specific numerical values of charge-offs and delinquency rates for January 2026.
- Compare the January 2026 metrics against the company's previous monthly reports to assess credit quality trends.
- Verify if these monthly metrics align with the company's broader quarterly or annual credit loss provisions.
- Confirm the status of the company's senior notes and preferred stock series listed in the filing (Series I, J, K, L, N, and 1.650% Senior Notes Due 2029).