secwatch.observer — SEC 8-K summary
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Issuer:     BREAD FINANCIAL HOLDINGS, INC. (BFH)
CIK:        0001101215
Form:       8-K
Filed at:   2026-09-15T11:01:22+00:00
Accession:  0001101215-26-000084
Event type: other_material
Sentiment:  positive
Materiality: 0.50
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Bread Financial August credit metrics improve: loss rate down 117 bps YoY
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000084/0001101215-26-000084-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000084/bfh-20260915.htm
  HTML page:      https://secwatch.observer/filing/0001101215-26-000084

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