According to the latest documents submitted to the U.S. Securities and Exchange Commission, the key risk indicators for Capital One’s domestic credit card business have been disclosed as of May 31, 2026.

Its net bad debt ratio reached 4.82%, while the overdue loan ratio for the same period was 3.33%. These figures provide market observers with an important basis for assessing the asset quality and credit risk trends of the financial institution. The net bad debt ratio reflects the proportion of loans ultimately recognized as losses and written off, serving as a key indicator of the health of the credit portfolio. The overdue loan ratio reveals the situation of loans currently in arrears but not yet written off, and is often viewed as a leading signal of future bad debt trends. The currently disclosed ratios offer a real-time snapshot for analyzing Capital One's risk management performance in a complex economic environment. Investors and analysts usually pay close attention to such regulatory filings to gain insights into potential stress in the consumer credit sector and the resilience of the institution.