---
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"
generated_at: "2026-05-29T04:35:20.588356+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Bread Financial Nov 2024: net loss rate 8.0% (7.9% YoY), delinquencies 6.2% (6.5% YoY)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-24-000232
- JSON: https://secwatch.observer/filing/0001101215-24-000232.json
- Plain text: https://secwatch.observer/filing/0001101215-24-000232.txt

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