secwatch.observer — SEC 8-K summary
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Issuer:     BREAD FINANCIAL HOLDINGS, INC. (BFH)
CIK:        0001101215
Form:       8-K
Filed at:   2026-07-23T10:56:48+00:00
Accession:  0001101215-26-000069
Event type: other_material
Sentiment:  neutral
Materiality: 0.55
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000069/0001101215-26-000069-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000069/bfh-20260723.htm
  HTML page:      https://secwatch.observer/filing/0001101215-26-000069

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer