Capital One Releases March 2026 Credit Quality Metrics
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An announcement from Capital One Financial ( (COF) ) is now available.
Capital One Financial reported its monthly charge-off and delinquency metrics for loans held for investment as of and for the month ended March 31, 2026, highlighting credit performance across its key lending portfolios. The disclosure offers investors a snapshot of asset quality trends, particularly in domestic credit cards and auto loans, which are critical to the company’s earnings profile and risk exposure.
In domestic credit cards, average loans held for investment totaled about $250.9 billion with period-end balances of $254.0 billion, while net charge-offs reached $1.1 billion, translating into an annualized net charge-off rate of 5.09%. Performing delinquencies over 30 days stood at $9.4 billion, or 3.70% of period-end loans, signaling ongoing but managed credit risk in the core card portfolio.
Within consumer banking, Capital One’s auto loan book averaged $85.1 billion with period-end loans of $85.7 billion, generating $102 million in net charge-offs and an annualized net charge-off rate of 1.44%. Auto delinquencies over 30 days totaled $3.6 billion, yielding a 4.21% delinquency rate, while nonperforming auto loans reached $475 million, or 0.55% of period-end loans, underscoring that credit normalization in consumer lending remains a central focus for stakeholders monitoring credit quality and capital resilience.
The most recent analyst rating on (COF) stock is a Buy with a $273.00 price target. To see the full list of analyst forecasts on Capital One Financial stock, see the COF Stock Forecast page.
Spark’s Take on COF Stock
According to Spark, TipRanks’ AI Analyst, COF is a Neutral.
The score is primarily constrained by sharply weaker recent profitability and weak technical momentum (below key moving averages with negative MACD). Earnings call and corporate updates provide partial support via strong liquidity/capital return and strategic progress on Discover/Brex, but the stock’s high P/E and modest dividend yield limit valuation support.
To see Spark’s full report on COF stock, click here.
More about Capital One Financial
Capital One Financial Corporation is a diversified financial services company focused primarily on consumer and commercial lending, with a leading U.S. presence in credit cards and significant operations in auto lending and other consumer banking products. The company targets mass-market and subprime borrowers as well as prime customers, positioning itself as a major issuer in the domestic credit card industry.
Average Trading Volume: 5,427,180
Technical Sentiment Signal: Buy
Current Market Cap: $125.7B
For detailed information about COF stock, go to TipRanks’ Stock Analysis page.
