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Capital One Financial Corporation

Monthly Charge-Off and Delinquency Metrics

As of and for the month ended September 30, 2025

						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						$	252,597					$	253,951					$	916					4.35		%				$	9,888					3.89		%				N/A						N/A
Consumer Banking:
Auto						81,795						82,035						99						1.46						4,094						4.99						$	584					0.71		%

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(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.