---
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"
generated_at: "2026-05-15T11:35:07.095432+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Bread Financial April 2026 net charge-off rate improves to 7.09% from 7.85% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-26-000055
- JSON: https://secwatch.observer/filing/0001101215-26-000055.json
- Plain text: https://secwatch.observer/filing/0001101215-26-000055.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.