COF: Company disclosure

Item 7.01 Regulation FD Disclosure. Capital One Financial Corporation (the “Company”) hereby furnishes the information in Exhibit 99.1 hereto, Monthly Charge-Off and Delinquency Metrics - As of and for the month ended July 31, 2026. Note: Information in this report (including the exhibit) furnished pursuant to Item 7.01 shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section. This report will not be deemed an admission as to the materiality of any information in the report that is required to be disclosed solely by Regulation FD. Furthermore, the information provided in Exhibit 99.1 shall not be deemed incorporated by reference into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934. Item 9.01 Financial Statements and Exhibits. (d) Exhibits Exhibit No. Description 99.1 Monthly Charge-Off and Delinquency Metrics - As of and for the month ended Ju ly 3 1 , 2026 104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL 1 SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized. CAPITAL ONE FINANCIAL CORPORATION Date: August 14, 2026 By: /s/ TIMOTHY P. GOLDEN Timothy P. Golden Chief Accounting Officer 2