---
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"
generated_at: "2026-05-17T12:19:08.576828+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Bread Financial Jul 2025 net loss rate 7.6% (down 40 bps YoY); delinquency rate 5.8% (down 40 bps)

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1101215/000110121525000145/0001101215-25-000145-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1101215/000110121525000145/bfh-20250815.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-25-000145
- JSON: https://secwatch.observer/filing/0001101215-25-000145.json
- Plain text: https://secwatch.observer/filing/0001101215-25-000145.txt

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