---
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"
generated_at: "2026-05-24T15:07:59.078388+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Bread Financial Feb 2025 net loss rate 8.6% vs 8.9% YoY; delinquency rate 6.2% vs 6.7%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-25-000062
- JSON: https://secwatch.observer/filing/0001101215-25-000062.json
- Plain text: https://secwatch.observer/filing/0001101215-25-000062.txt

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