secwatch.observer — SEC 8-K summary
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Issuer:     BREAD FINANCIAL HOLDINGS, INC. (BFH)
CIK:        0001101215
Form:       8-K
Filed at:   2026-10-22T10:56:17+00:00
Accession:  0001101215-26-000088
Event type: other_material
Sentiment:  neutral
Materiality: 0.45
Item codes: 7.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000088/0001101215-26-000088-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000088/bfh-20261022.htm
  HTML page:      https://secwatch.observer/filing/0001101215-26-000088

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