secwatch.observer — SEC 8-K summary
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Issuer:     BREAD FINANCIAL HOLDINGS, INC. (BFH)
CIK:        0001101215
Form:       8-K
Filed at:   2025-10-23T23:59:59+00:00
Accession:  0001101215-25-000169
Event type: other_material
Sentiment:  neutral
Materiality: 0.60
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Bread Financial reports Sep 2025 net loss rate 6.9%; delinquency rate improves to 6.0%
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1101215/000110121525000169/0001101215-25-000169-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1101215/000110121525000169/bfh-20251023.htm
  HTML page:      https://secwatch.observer/filing/0001101215-25-000169

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer