---
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"
generated_at: "2026-07-23T11:00:04.261411+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Bread Financial reports June 2026 credit metrics: net principal loss rate 6.88%, delinquency rate 5.25%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-26-000069
- JSON: https://secwatch.observer/filing/0001101215-26-000069.json
- Plain text: https://secwatch.observer/filing/0001101215-26-000069.txt

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