{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000008","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.540374+00:00","generated_at":"2026-05-16T06:16:36.910640+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Bread Financial reports Dec 2025 net loss rate 7.4%, delinquency rate 5.8%","bullets":["End-of-period credit card and other loans $18,805M as of Dec 31, 2025.","Net loss rate for the month and quarter ended Dec 31, 2025: 7.4%.","Net principal losses for December 2025: $116M; for Q4 2025: $336M.","Delinquency rate (30+ days) improved to 5.8% vs 5.9% a year earlier.","Average credit card and other loans down 1% YoY for both December and Q4 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000008","json":"https://secwatch.observer/filing/0001101215-26-000008.json","markdown":"https://secwatch.observer/filing/0001101215-26-000008.md","text":"https://secwatch.observer/filing/0001101215-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000008/0001101215-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000008/bfh-20260129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:16:36.910640+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"}