{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-24-000226","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2024-11-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.669812+00:00","generated_at":"2026-05-30T00:15:06.348745+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Bread Financial Oct 2024: Net loss rate 7.9% vs 8.0% YoY; delinquency rate 6.4% vs 6.5%","bullets":["End-of-period credit card and other loans $17,915M, down from $18,386M a year ago.","Net principal losses $120M, up slightly from $119M in Oct 2023.","Net loss rate improved to 7.9% from 8.0% YoY.","30+ day delinquency rate decreased to 6.4% from 6.5%.","Hurricanes Helene and Milton led to freezing delinquency progression in FEMA zones, affecting Q4 2024 and Q2 2025 loss rates."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-24-000226","json":"https://secwatch.observer/filing/0001101215-24-000226.json","markdown":"https://secwatch.observer/filing/0001101215-24-000226.md","text":"https://secwatch.observer/filing/0001101215-24-000226.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000226/0001101215-24-000226-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000226/bfh-20241114.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T00:15:06.348745+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}