{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000010","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-02-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.540522+00:00","generated_at":"2026-05-16T03:30:46.793706+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's Jan 2026 net principal loss rate improves to 7.1% from 7.8% YoY","bullets":["Net principal loss rate: 7.1% in Jan 2026 vs 7.8% in Jan 2025.","Net principal losses decreased to $111M from $123M year-over-year.","Delinquency rate (30+ days) fell to 5.9% from 6.1% as of Jan 31, 2026.","Average credit card and other loans flat at ~$18.53B; end-of-period at $18.39B.","Period-end principal loans outstanding declined to $16.40B from $16.87B YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000010","json":"https://secwatch.observer/filing/0001101215-26-000010.json","markdown":"https://secwatch.observer/filing/0001101215-26-000010.md","text":"https://secwatch.observer/filing/0001101215-26-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000010/0001101215-26-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000010/bfh-20260210.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T03:30:46.793706+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"}