{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000183","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-11-13T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.796418+00:00","generated_at":"2026-05-16T20:08:08.128685+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Bread Financial October 2025 credit metrics improve: net loss rate 7.5%, delinquency 6.1%","bullets":["Net loss rate fell to 7.5% in Oct 2025 from 7.9% a year ago; net principal losses $112M vs $120M.","Delinquency rate (30+ days) improved to 6.1% from 6.4% in Oct 2024.","Average credit card and other loans were $17.6B, down 1% YoY from $17.9B.","Period-end credit card and other loans principal was $15.9B vs $16.5B in Oct 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000183","json":"https://secwatch.observer/filing/0001101215-25-000183.json","markdown":"https://secwatch.observer/filing/0001101215-25-000183.md","text":"https://secwatch.observer/filing/0001101215-25-000183.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000183/0001101215-25-000183-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000183/bfh-20251113.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T20:08:08.128685+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"}