---
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"
generated_at: "2026-05-26T23:13:38.129336+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Bread Financial Jan 2025: net loss rate 7.8% (down from 8.0%), delinquency 6.1% (down from 6.8%)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-25-000026
- JSON: https://secwatch.observer/filing/0001101215-25-000026.json
- Plain text: https://secwatch.observer/filing/0001101215-25-000026.txt

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