{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000088","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-10-22T10:56:17+00:00","discovered_at":"2026-10-22T11:00:02.586111+00:00","generated_at":"2026-10-22T11:00:11.509454+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"confidence":"high","headline":"Bread Financial September net loss rate 5.99%; delinquency improves to 5.57% from 6.04% YoY","bullets":["September 2026 net principal loss rate was 5.99% on $92M of net principal losses; Q3 net principal loss rate was 6.40% on $300M.","End-of-period credit card and other loans were $18.85B; average loans were $18.74B in September, up 6.4% YoY, and $18.59B for Q3, up 5.7%.","30+ day delinquency rate was 5.57% at September 30, 2026, versus 6.04% a year earlier; delinquent principal was $923M versus $963M.","Period-end credit card and other loans principal was $16.584B, compared with $15.928B at September 30, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000088","json":"https://secwatch.observer/filing/0001101215-26-000088.json","markdown":"https://secwatch.observer/filing/0001101215-26-000088.md","text":"https://secwatch.observer/filing/0001101215-26-000088.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000088/0001101215-26-000088-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000088/bfh-20261022.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T11:00:11.509454+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"}