secwatch.observer — SEC 8-K summary
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Issuer:     BREAD FINANCIAL HOLDINGS, INC. (BFH)
CIK:        0001101215
Form:       8-K
Filed at:   2026-11-10T22:00:58+00:00
Accession:  0001101215-26-000102
Event type: other_material
Sentiment:  positive
Materiality: 0.50
Item codes: 7.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000102/0001101215-26-000102-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1101215/000110121526000102/bfh-20261110.htm
  HTML page:      https://secwatch.observer/filing/0001101215-26-000102

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