{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000076","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-08-17T11:31:13+00:00","discovered_at":"2026-08-17T11:35:00.263109+00:00","generated_at":"2026-08-17T11:35:06.916794+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Bread Financial July credit metrics improve: net loss rate 6.80% vs 7.63% YoY","bullets":["Net principal loss rate for July 2026 was 6.80%, down from 7.63% in July 2025.","Delinquency rate (30+ days) fell to 5.35% from 5.82% year-over-year.","Average credit card and other loans rose 4.9% YoY to $18,449M; end-of-period loans $18,543M.","Net principal losses were $106M in July 2026 vs $114M in July 2025.","Delinquent principal balance declined to $876M from $931M a year earlier."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000076","json":"https://secwatch.observer/filing/0001101215-26-000076.json","markdown":"https://secwatch.observer/filing/0001101215-26-000076.md","text":"https://secwatch.observer/filing/0001101215-26-000076.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000076/0001101215-26-000076-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000076/bfh-20260817.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-17T11:35:06.916794+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"}