---
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"
generated_at: "2026-05-27T05:08:45.015044+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Bread Financial Q4 net loss rate 8.0%, delinquency improves to 5.9%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1101215/000110121525000013/0001101215-25-000013-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1101215/000110121525000013/bfh-20250130.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-25-000013
- JSON: https://secwatch.observer/filing/0001101215-25-000013.json
- Plain text: https://secwatch.observer/filing/0001101215-25-000013.txt

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