{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000069","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-07-23T10:56:48+00:00","discovered_at":"2026-07-23T11:00:00.293456+00:00","generated_at":"2026-07-23T11:00:04.261411+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Bread Financial reports June 2026 credit metrics: net principal loss rate 6.88%, delinquency rate 5.25%","bullets":["End-of-period credit card and other loans $18.5B; average loans up 4.1% YoY for month.","Net principal losses $104M for June, $317M for Q2 2026; net principal loss rate 6.88% and 6.98% respectively.","Delinquency rate (30+ days) improved to 5.25% as of June 30, 2026 from 5.73% a year earlier.","Year-over-year change in average credit card and other loans was 2.9% for the three months ended June 30, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000069","json":"https://secwatch.observer/filing/0001101215-26-000069.json","markdown":"https://secwatch.observer/filing/0001101215-26-000069.md","text":"https://secwatch.observer/filing/0001101215-26-000069.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000069/0001101215-26-000069-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000069/bfh-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T11:00:04.261411+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"}