{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-24-000232","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2024-12-11T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.670342+00:00","generated_at":"2026-05-29T04:35:20.588356+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Bread Financial Nov 2024: net loss rate 8.0% (7.9% YoY), delinquencies 6.2% (6.5% YoY)","bullets":["Net loss rate 8.0% for Nov 2024 vs 7.9% for Nov 2023; net principal losses $118M vs $120M.","Delinquency rate 6.2% as of Nov 30, 2024 vs 6.5% a year earlier; delinquent principal $1,032M vs $1,131M.","End-of-period credit card and other loans $18.143B, down from $18.780B YoY; average loans -1% YoY.","Hurricane Helene/Milton freeze on delinquency progression will shift some net losses from Q4 2024 to Q2 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-24-000232","json":"https://secwatch.observer/filing/0001101215-24-000232.json","markdown":"https://secwatch.observer/filing/0001101215-24-000232.md","text":"https://secwatch.observer/filing/0001101215-24-000232.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000232/0001101215-24-000232-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000232/bfh-20241211.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-29T04:35:20.588356+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"}