{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000062","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-03-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.934984+00:00","generated_at":"2026-05-24T15:07:59.078388+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Bread Financial Feb 2025 net loss rate 8.6% vs 8.9% YoY; delinquency rate 6.2% vs 6.7%","bullets":["Net principal losses $120M, down from $131M in Feb 2024.","Average credit card/other loans $18.14B, down 2% YoY.","End-of-period loans $17.95B vs $18.39B a year ago.","Delinquent principal (30+ days) $1.027B vs $1.130B last year."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000062","json":"https://secwatch.observer/filing/0001101215-25-000062.json","markdown":"https://secwatch.observer/filing/0001101215-25-000062.md","text":"https://secwatch.observer/filing/0001101215-25-000062.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000062/0001101215-25-000062-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000062/bfh-20250317.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T15:07:59.078388+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"}