secwatch.observer — SEC 8-K summary
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Issuer:     BREAD FINANCIAL HOLDINGS, INC. (BFH)
CIK:        0001101215
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0001101215-26-000008
Event type: other_material
Sentiment:  neutral
Materiality: 0.55
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000008/0001101215-26-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000008/bfh-20260129.htm
  HTML page:      https://secwatch.observer/filing/0001101215-26-000008

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