---
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"
generated_at: "2026-05-16T06:16:36.910640+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Bread Financial reports Dec 2025 net loss rate 7.4%, delinquency rate 5.8%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- 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/1101215/000110121526000008/0001101215-26-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1101215/000110121526000008/bfh-20260129.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-26-000008
- JSON: https://secwatch.observer/filing/0001101215-26-000008.json
- Plain text: https://secwatch.observer/filing/0001101215-26-000008.txt

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