---
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"
generated_at: "2026-06-10T11:35:07.401771+00:00"
event_type: "other"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Bread Financial May 2026 credit metrics improve: loss rate 6.98%, delinquency 5.24%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other
- 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/1101215/000110121526000061/0001101215-26-000061-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1101215/000110121526000061/bfh-20260610.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-26-000061
- JSON: https://secwatch.observer/filing/0001101215-26-000061.json
- Plain text: https://secwatch.observer/filing/0001101215-26-000061.txt

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