{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000169","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.795561+00:00","generated_at":"2026-05-17T02:25:51.750631+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Bread Financial reports Sep 2025 net loss rate 6.9%; delinquency rate improves to 6.0%","bullets":["End-of-period credit card and other loans $17.66B; average loans down 2% YoY for month.","Net principal losses $101M for Sept; net loss rate 7.4% for Q3 2025.","30+ day delinquency rate 6.0% at Sep 30, 2025, down from 6.4% a year ago.","Average credit card and other loans for Q3 2025 $17.60B, down 1% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000169","json":"https://secwatch.observer/filing/0001101215-25-000169.json","markdown":"https://secwatch.observer/filing/0001101215-25-000169.md","text":"https://secwatch.observer/filing/0001101215-25-000169.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000169/0001101215-25-000169-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000169/bfh-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:25:51.750631+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"}