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BREAD FINANCIAL HOLDINGS, INC. (BFH) filed an 8-K current report with the SEC on August 17, 2026 reporting Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.1). Bread Financial issued a performance update covering the period ended July 31, 2026.
BREAD FINANCIAL HOLDINGS, INC. 8-K event analysis
AI summary of each reported item and its exhibits
Item 7.01 · Regulation FD Disclosure
- Bread Financial issued a performance update covering the period ended July 31, 2026
- Exhibit 99.1 contains the substantive financial and operating results for investor review
Item EX-99.1 · Exhibit EX-99.1
- July average loans $18.449B, up 4.9% year over year, indicating continued portfolio growth
- Net principal losses $106M; loss rate improved to 6.80% from 7.63%
- 30-day-plus delinquent principal $876M, down from $931M year over year
- Delinquency rate declined to 5.35% from 5.82%, signaling improved credit performance
- Lower losses and delinquencies support credit-cost trends, while consumer-credit concentration remains a key risk
Generated from the filing text and exhibits; verify against the original. What 8-K item codes mean
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