secwatch.observer — SEC 8-K summary
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Issuer:     BREAD FINANCIAL HOLDINGS, INC. (BFH)
CIK:        0001101215
Form:       8-K
Filed at:   2026-05-15T11:31:15+00:00
Accession:  0001101215-26-000055
Event type: other_material
Sentiment:  positive
Materiality: 0.60
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000055/0001101215-26-000055-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000055/bfh-20260515.htm
  HTML page:      https://secwatch.observer/filing/0001101215-26-000055

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