{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000061","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-06-10T11:32:13+00:00","discovered_at":"2026-06-10T11:35:00.291931+00:00","generated_at":"2026-06-10T11:35:07.401771+00:00","sec_items":["7.01","9.01"],"event_type":"other","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Bread Financial May 2026 credit metrics improve: loss rate 6.98%, delinquency 5.24%","bullets":["Net principal loss rate for May 2026 was 6.98%, down from 7.97% in May 2025.","30+ day delinquency rate fell to 5.24% from 5.71% a year ago.","End-of-period credit card and other loans rose to $18.4B from $17.7B YoY.","Hurricane-related delinquency freezes in late 2024 negatively impacted Q2 2025 loss rates.","Average loans increased 2.6% YoY to $18.2B."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000061","json":"https://secwatch.observer/filing/0001101215-26-000061.json","markdown":"https://secwatch.observer/filing/0001101215-26-000061.md","text":"https://secwatch.observer/filing/0001101215-26-000061.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000061/0001101215-26-000061-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000061/bfh-20260610.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-10T11:35:07.401771+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"}