{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000131","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.343446+00:00","generated_at":"2026-05-18T01:58:29.473293+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Bread Financial reports June 2025 net loss rate 7.8%, Q2 rate 7.9%; delinquency improves to 5.7%","bullets":["Net loss rate for June 2025: 7.8%; for Q2 2025: 7.9%; net principal losses $113M and $348M respectively.","Delinquency rate (30+ days) as of June 30, 2025: 5.7%, down from 6.0% a year ago.","End-of-period credit card and other loans $17.656B; average loans $17.631B in June, down 1% YoY.","Hurricane Helene/Milton delinquency freeze in Q4 2024 modestly lowered prior losses but increased Q2 2025 losses.","Period-end credit card and other loans principal $16.102B vs $16.344B a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000131","json":"https://secwatch.observer/filing/0001101215-25-000131.json","markdown":"https://secwatch.observer/filing/0001101215-25-000131.md","text":"https://secwatch.observer/filing/0001101215-25-000131.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000131/0001101215-25-000131-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000131/bfh-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T01:58:29.473293+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"}