---
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"
generated_at: "2026-10-22T11:00:11.509454+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.45
calibrated_materiality_score: 0.45
confidence: "high"
source: SEC EDGAR
---

# Bread Financial September net loss rate 5.99%; delinquency improves to 5.57% from 6.04% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.45
- calibrated_materiality_score: 0.45
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-26-000088
- JSON: https://secwatch.observer/filing/0001101215-26-000088.json
- Plain text: https://secwatch.observer/filing/0001101215-26-000088.txt

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