{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000082","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-05-13T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.522422+00:00","generated_at":"2026-05-21T12:43:59.381162+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Bread Financial April credit metrics improve: net loss rate 7.8%, delinquency 5.7%","bullets":["Net loss rate fell to 7.8% in April 2025 from 8.6% a year earlier; principal losses $114M vs $127M.","Delinquency rate (30+ days) improved to 5.7% as of April 30, 2025, from 6.0% a year ago.","Average credit card and other loans were $17.7B, down 2% YoY from $18.0B.","Hurricane-related delinquency freezes (Helene/Milton) will negatively impact Q2 2025 net losses."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000082","json":"https://secwatch.observer/filing/0001101215-25-000082.json","markdown":"https://secwatch.observer/filing/0001101215-25-000082.md","text":"https://secwatch.observer/filing/0001101215-25-000082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000082/0001101215-25-000082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000082/bfh-20250513.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-21T12:43:59.381162+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"}