{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000055","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-05-15T11:31:15+00:00","discovered_at":"2026-05-15T11:35:00.312863+00:00","generated_at":"2026-05-15T11:35:07.095432+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 April 2026 net charge-off rate improves to 7.09% from 7.85% YoY","bullets":["Net principal losses of $105M vs $114M in April 2025; loss rate 7.09% vs 7.85%.","Delinquency rate (30+ days) 5.34% vs 5.73% as of April 30, 2026.","Average credit card and other loans $18.067B, up 2% YoY; end-of-period $18.123B.","Results reflect hurricane-related delinquency freeze in Q4 2024; impacts Q2 2025 comparisons."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000055","json":"https://secwatch.observer/filing/0001101215-26-000055.json","markdown":"https://secwatch.observer/filing/0001101215-26-000055.md","text":"https://secwatch.observer/filing/0001101215-26-000055.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000055/0001101215-26-000055-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000055/bfh-20260515.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T11:35:07.095432+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"}