{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000076","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.522189+00:00","generated_at":"2026-05-23T06:39:59.867482+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Bread Financial reports March net loss rate 8.1%, Q1 8.2%; delinquency rate improves to 5.9% from 6.2%","bullets":["Net loss rate for March 2025: 8.1%; Q1 2025 average: 8.2%.","Delinquency rate (30+ days) as of March 31, 2025: 5.9%, down from 6.2% a year ago.","End-of-period credit card and other loans: $17.815 billion; average loans down 2% YoY.","Net principal losses for Q1 2025: $365 million, with March contribution of $123 million."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000076","json":"https://secwatch.observer/filing/0001101215-25-000076.json","markdown":"https://secwatch.observer/filing/0001101215-25-000076.md","text":"https://secwatch.observer/filing/0001101215-25-000076.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000076/0001101215-25-000076-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000076/bfh-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T06:39:59.867482+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"}