Capital One credit card delinquency rate rises, net charge-off rate slips in July

[Credit and Debit Cards]
GaryPhoto

Capital One Financial (NYSE:COF [https://seekingalpha.com/symbol/COF]) credit card delinquency rate crept higher, while its charge-off rate drifted down in July, according to its monthly filing.

The company's June and July 2025 metrics incorporated Discover Financial card data after Capital One (NYSE:COF [https://seekingalpha.com/symbol/COF]) completed its acquisition of Discover on May 18, 2025. Previous months' data don't include the Discover data.

Capital One's (COF [https://seekingalpha.com/symbol/COF]) delinquency rate rose to 3.67% [https://seekingalpha.com/filings/pdf/18700797] from 3.60% in June, while its net charge-off rate of 4.83% declined from 4.96% in the prior month.

Period-end loans rose 0.6% M/M to $254.1B at July 31, 2025.

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