Zacks Investment Research
22 Sept 2026, 18:36 UTC · 1h ago
Verdict
Headline leans bullish. We score COF −0.30 across four claims.
Score contradicts the headline.
Leans bullish
From its wording — no explicit rating
−0.30moderately bearish
What the story claims
4 claims · scored −1 bearish … +1 bullish · 4 new · 0 priced in
Capital One’s Master Trust delinquency rate increased to 3.57% in August from 3.48% in July.
Newpublished 2026-09-22 reporting August data
So whatThe delinquency rate remains 134bps higher than the August 2019 level of 2.23%, suggesting persistent risk to COF's credit margins.
More negative than 87% of claims this week
The average delinquency rate for seven major U.S. card issuers rose to 2.51% in August from 2.50% in July.
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5 related stories
More negative than 74% of ticker scores this week
Scored by the NIS engine · methodology.
Top 3 movers · tap to explore
Newpublished 2026-09-22 reporting August data
So whatThis puts current levels 3bps above the August 2019 pre-pandemic baseline, potentially increasing loan-loss provision estimates for the next quarterly print.
More negative than 71% of claims this week
Average net charge-off rates across the group rose marginally to 3.29% in August from 3.28% in July.
Newpublished 2026-09-22 reporting August data
So whatThough higher sequentially, the rate is 45bps lower than the year-ago level of 3.74%.
More negative than 71% of claims this week
JPMorgan's Chase Issuance Trust delinquency rate decreased to 0.80% in August from 0.81% in July.
Newpublished 2026-09-22 reporting August data
So whatThis represents a 30% lower delinquency profile compared to the 1.14% reported in August 2019.
More positive than 49% of claims this week
Which stocks this story touches
More negative than 74% of ticker scores this week
Reported comparatively higher credit stress with rising delinquency and charge-off rates.
More negative than 68% of ticker scores this week
Included in a group of card issuers seeing an edge higher in credit-card delinquencies.
More negative than 68% of ticker scores this week
Included in a group of card issuers seeing an edge higher in credit-card delinquencies.
More negative than 68% of ticker scores this week
Experienced a slight increase in net charge-off rates despite encouraging delinquency trends.
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More positive than 77% of relationship scores this week
[mutual] Both are major U.S. card issuers competing in the credit card market.
More positive than 77% of relationship scores this week
[mutual] Both are major U.S. card issuers competing in the credit card market.
More positive than 77% of relationship scores this week
[mutual] Both are major U.S. card issuers competing in the credit card market.
More positive than 77% of relationship scores this week
[mutual] Both are major U.S. card issuers competing in the credit card market.
More positive than 77% of relationship scores this week
[mutual] Both are major U.S. card issuers competing in the credit card market.
−2.1%
Price agrees with the score
$200.63 vs $204.92 close before publication (Sep 21) · not market-adjusted
COF chart →
