Capital One July delinquencies 3.67% vs. 4.28% y/y

Capital One July delinquencies 3.67% vs. 4.28% y/y

Capital One Financial Corporation (NYSE: COF) reported a significant decrease in delinquencies in July 2025, with a delinquency rate of 3.67%, down from 4.28% year-over-year [1]. This marks a notable improvement in the financial health of the company, indicating a reduction in the number of customers who are unable to meet their payment obligations.

The reduction in delinquencies is a positive sign for Capital One, as it suggests that the company's efforts to improve customer financial health and manage risk are paying off. This trend is particularly encouraging given the challenging economic conditions that have been prevalent in recent months.

In addition to the decrease in delinquencies, Capital One also reported strong earnings results for the quarter ending in July 2025. The company reported earnings per share (EPS) of $5.48, which exceeded analyst expectations by $3.55 [1]. This performance highlights the company's ability to generate robust financial results despite the challenging economic environment.

The improvement in delinquencies and strong earnings results are likely to be well-received by investors. The company's stock has been the subject of several analyst upgrades in recent months, with a number of analysts increasing their price targets and ratings on the stock [1]. This positive sentiment is likely to continue, given the company's strong performance and improving financial health.

In summary, Capital One's July delinquencies of 3.67% represent a significant improvement compared to the previous year's rate of 4.28%. This decrease, coupled with strong earnings results, indicates that the company is well-positioned to continue its growth trajectory in the coming quarters.

References:

[1] https://www.marketbeat.com/instant-alerts/filing-lgt-fund-management-co-ltd-buys-shares-of-1600-capital-one-financial-corporation-nysecof-2025-08-13/