{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000026","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-02-11T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.934134+00:00","generated_at":"2026-05-26T23:13:38.129336+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Bread Financial Jan 2025: net loss rate 7.8% (down from 8.0%), delinquency 6.1% (down from 6.8%)","bullets":["Net loss rate for January 2025 was 7.8%, compared to 8.0% in January 2024.","Delinquency rate (30+ days) as of January 31, 2025 was 6.1%, down from 6.8% a year earlier.","Average credit card and other loans were $18.53B, down 2% YoY from $18.915B.","Net principal losses for January 2025 were $123M, compared to $128M in January 2024.","End-of-period loans were $18.366B, down approximately 2% from $18.785B a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000026","json":"https://secwatch.observer/filing/0001101215-25-000026.json","markdown":"https://secwatch.observer/filing/0001101215-25-000026.md","text":"https://secwatch.observer/filing/0001101215-25-000026.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000026/0001101215-25-000026-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000026/bfh-20250211.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T23:13:38.129336+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"}