{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000013","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.933874+00:00","generated_at":"2026-05-27T05:08:45.015044+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 Q4 net loss rate 8.0%, delinquency improves to 5.9%","bullets":["Net loss rate of 8.0% for Q4 2024; net principal losses $367M.","Delinquency rate 5.9% at Dec 31, 2024 vs 6.5% a year earlier.","Hurricane-related delinquency freeze will shift some losses to Q2 2025.","End-of-period credit card loans $18.9B; average loans $18.2B, flat YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000013","json":"https://secwatch.observer/filing/0001101215-25-000013.json","markdown":"https://secwatch.observer/filing/0001101215-25-000013.md","text":"https://secwatch.observer/filing/0001101215-25-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000013/0001101215-25-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000013/bfh-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:08:45.015044+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"}