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Capital One Financial (NYSE: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) completed its acquisition of Discover on May 18, 2025. Previous months’ data don’t include the Discover data.
Capital One’s (COF) delinquency rate rose to 3.67% 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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