{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000145","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-08-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.343859+00:00","generated_at":"2026-05-17T12:19:08.576828+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 Jul 2025 net loss rate 7.6% (down 40 bps YoY); delinquency rate 5.8% (down 40 bps)","bullets":["Net loss rate of 7.6%, down from 8.0% in July 2024; net principal losses of $114M vs $120M.","Delinquency rate of 5.8%, down from 6.2% year-over-year.","Average credit card and other loans flat YoY at $17.585B; end-of-period loans $17.594B.","Credit quality metrics improved with lower losses and delinquencies."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000145","json":"https://secwatch.observer/filing/0001101215-25-000145.json","markdown":"https://secwatch.observer/filing/0001101215-25-000145.md","text":"https://secwatch.observer/filing/0001101215-25-000145.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000145/0001101215-25-000145-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000145/bfh-20250815.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T12:19:08.576828+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"}