{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000032","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-03-11T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.540955+00:00","generated_at":"2026-05-15T14:41:11.595608+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 Feb 2026 net loss rate drops to 7.7% from 8.6% YoY; delinquency to 5.8%","bullets":["Net principal loss rate improved to 7.7% vs 8.6% YoY; losses fell 10% to $108M.","Delinquency rate (30+ days) decreased to 5.8% from 6.2% YoY; delinquent principal down to $939M.","Average credit card and other loans grew 1% YoY to $18.3B, reversing prior year decline of 2%.","End-of-period credit card and other loans $18.1B, up slightly from $17.9B in Feb 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000032","json":"https://secwatch.observer/filing/0001101215-26-000032.json","markdown":"https://secwatch.observer/filing/0001101215-26-000032.md","text":"https://secwatch.observer/filing/0001101215-26-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000032/0001101215-26-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000032/bfh-20260311.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T14:41:11.595608+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"}