---
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"
generated_at: "2026-05-30T00:15:06.348745+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Bread Financial Oct 2024: Net loss rate 7.9% vs 8.0% YoY; delinquency rate 6.4% vs 6.5%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-24-000226
- JSON: https://secwatch.observer/filing/0001101215-24-000226.json
- Plain text: https://secwatch.observer/filing/0001101215-24-000226.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.