{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000037","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:31.954474+00:00","generated_at":"2026-05-15T04:24:40.346864+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Bread Financial March 2026 net principal loss rate 7.23%, delinquency improves to 5.59%","bullets":["Net principal loss rate of 7.23% for March 2026 (month); 7.33% for Q1 2026.","End-of-period credit card & other loans $18.14B; average loans $18.04B for March, up 1.3% YoY.","Net principal losses $111M for March, $331M for Q1 2026.","30+ day delinquency rate 5.59% as of March 31, 2026, vs 5.93% a year earlier.","Average credit card loans for Q1 2026 were $18.28B, up 0.7% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000037","json":"https://secwatch.observer/filing/0001101215-26-000037.json","markdown":"https://secwatch.observer/filing/0001101215-26-000037.md","text":"https://secwatch.observer/filing/0001101215-26-000037.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000037/0001101215-26-000037-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000037/bfh-20260423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:24:40.346864+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"}