---
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"
generated_at: "2026-11-10T22:02:06.262362+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Bread Financial October net loss rate falls to 6.69% from 7.50% YoY; card loans up 6.9%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-26-000102
- JSON: https://secwatch.observer/filing/0001101215-26-000102.json
- Plain text: https://secwatch.observer/filing/0001101215-26-000102.txt

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