{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000084","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-09-15T11:01:22+00:00","discovered_at":"2026-09-15T11:05:00.956809+00:00","generated_at":"2026-09-15T11:05:13.209133+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Bread Financial August credit metrics improve: loss rate down 117 bps YoY","bullets":["August 2026 net principal loss rate 6.40% vs 7.57% YoY; net principal losses $101M vs $113M.","Delinquency rate (30+ days) 5.36% vs 5.84% YoY; delinquencies $885M vs $934M.","End-of-period credit card and other loans $18,730M vs $17,657M; average loans up 5.6% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000084","json":"https://secwatch.observer/filing/0001101215-26-000084.json","markdown":"https://secwatch.observer/filing/0001101215-26-000084.md","text":"https://secwatch.observer/filing/0001101215-26-000084.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000084/0001101215-26-000084-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000084/bfh-20260915.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-09-15T11:05:13.209133+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"}