---
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"
generated_at: "2026-08-17T11:35:06.916794+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Bread Financial July credit metrics improve: net loss rate 6.80% vs 7.63% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- 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/1101215/000110121526000076/0001101215-26-000076-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1101215/000110121526000076/bfh-20260817.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-26-000076
- JSON: https://secwatch.observer/filing/0001101215-26-000076.json
- Plain text: https://secwatch.observer/filing/0001101215-26-000076.txt

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