{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000102","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-11-10T22:00:58+00:00","discovered_at":"2026-11-10T22:02:00.823980+00:00","generated_at":"2026-11-10T22:02:06.262362+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 October net loss rate falls to 6.69% from 7.50% YoY; card loans up 6.9%","bullets":["Net principal losses of $107M in October 2026, a 6.69% net principal loss rate vs. $112M and 7.50% in October 2025.","End-of-period credit card and other loans $18,961M vs. $17,694M a year earlier; average loans $18,846M, up 6.9% YoY.","30+ day delinquencies of $939M, delinquency rate 5.64% vs. $963M and 6.05% as of October 31, 2025.","Period-end credit card and other loans (principal) $16,665M vs. $15,903M a year prior.","Prior-year comparison showed average loans down 1.3% YoY, making the +6.9% October 2026 growth a swing to expansion."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000102","json":"https://secwatch.observer/filing/0001101215-26-000102.json","markdown":"https://secwatch.observer/filing/0001101215-26-000102.md","text":"https://secwatch.observer/filing/0001101215-26-000102.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000102/0001101215-26-000102-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000102/bfh-20261110.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-11-10T22:02:06.262362+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"}