{"filings":[{"id":590683,"accession_number":"0001101215-26-000058","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-05-21T23:13:34+00:00","items":["5.07","9.01"],"status":"ready","headline":"Bread Financial stockholders elect all nine director nominees; Roger Ballou retires","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All nine director nominees elected with overwhelming support; broker non-votes ~3.55M.","Roger H. Ballou (director since 2001) retired, not standing for re-election.","Advisory say-on-pay approved: 31.5M For vs 2.75M Against.","2026 Employee Stock Purchase Plan approved: 34.2M For.","Deloitte & Touche ratified as auditor for 2026: 37.0M For."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":452476,"accession_number":"0001101215-26-000055","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-05-15T11:31:15+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial April 2026 net charge-off rate improves to 7.09% from 7.85% YoY","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net principal losses of $105M vs $114M in April 2025; loss rate 7.09% vs 7.85%.","Delinquency rate (30+ days) 5.34% vs 5.73% as of April 30, 2026.","Average credit card and other loans $18.067B, up 2% YoY; end-of-period $18.123B.","Results reflect hurricane-related delinquency freeze in Q4 2024; impacts Q2 2025 comparisons."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":31281,"accession_number":"0001193125-26-218648","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-05-12T16:22:21+00:00","items":["3.03","5.03","8.01","9.01"],"status":"ready","headline":"Bread Financial raises $135M through 8.875% Series B preferred stock issuance","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued 5,400,000 depositary shares (each 1/40th interest in Series B Preferred) at $1,000 liquidation preference per share, raising ~$135M.","Series B is 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock.","Underwriting led by Morgan Stanley, RBC Capital Markets, UBS Securities, Wells Fargo Securities, and KBW.","Dividends on Series B must be declared before any dividends or repurchases of junior or parity stock if Series B dividends unpaid.","Certificate of designations filed with Delaware Secretary of State effective May 12, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91306,"accession_number":"0001101215-26-000053","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-05-06T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bread Financial prices $115M preferred stock offering at 8.875% dividend rate","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Pricing of 4,800,000 depositary shares representing Series B 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock at $25/share.","Net proceeds of approximately $115.32 million (excluding underwriter option) for general corporate purposes, including bank capital and share repurchases.","Underwriters granted 30-day option to purchase up to an additional 720,000 depositary shares at the same price.","Closing expected May 12, 2026; application to list on NYSE."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91305,"accession_number":"0001101215-26-000047","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bread Financial launches public offering of Series B Preferred Stock depositary shares","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offering of depositary shares, each representing 1/40th interest in Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B.","Liquidation preference $25 per depositary share ($1,000 per preferred share).","Net proceeds for general corporate purposes, may include contribution to Comenity Capital Bank and share repurchases.","Joint bookrunners: Morgan Stanley, RBC, UBS, Wells Fargo, Keefe Bruyette & Woods.","Offering subject to market conditions; no assurance of completion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91304,"accession_number":"0001101215-26-000037","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial March 2026 net principal loss rate 7.23%, delinquency improves to 5.59%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net principal loss rate of 7.23% for March 2026 (month); 7.33% for Q1 2026.","End-of-period credit card & other loans $18.14B; average loans $18.04B for March, up 1.3% YoY.","Net principal losses $111M for March, $331M for Q1 2026.","30+ day delinquency rate 5.59% as of March 31, 2026, vs 5.93% a year earlier.","Average credit card loans for Q1 2026 were $18.28B, up 0.7% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91303,"accession_number":"0001101215-26-000036","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Bread Financial Q1 net income $181M; revenue up 5%, loan growth 2% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $181M; tangible book value per common share +26% YoY.","End-of-period loans +2% YoY; credit sales +7% YoY driven by Gen Z/Millennial activity.","Repurchased 3.5M shares (8% of outstanding) during Q1 2026.","Launched new credit card partnerships with Ford and Ethan Allen; expanded Bread Pay with AAA, Dell, Academy Sports.","Declares Q2 common dividend $0.23/share and preferred dividend $21.56/share, payable June 15."],"consensus_eps_estimate":null,"consensus_eps_actual":4.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101300,"accession_number":"0001101215-26-000032","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-03-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial Feb 2026 net loss rate drops to 7.7% from 8.6% YoY; delinquency to 5.8%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net principal loss rate improved to 7.7% vs 8.6% YoY; losses fell 10% to $108M.","Delinquency rate (30+ days) decreased to 5.8% from 6.2% YoY; delinquent principal down to $939M.","Average credit card and other loans grew 1% YoY to $18.3B, reversing prior year decline of 2%.","End-of-period credit card and other loans $18.1B, up slightly from $17.9B in Feb 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101299,"accession_number":"0001101215-26-000030","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-02-26T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial Increases Share Repurchase Authorization by $600 Million","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved $600 million increase to existing share repurchase authorization, bringing total to $765 million.","Before the increase, $165 million was available after $75 million of repurchases in 2026.","No expiration date has been set for the share repurchase authorization.","CEO Ralph Andretta stated the action underscores ability to execute capital priorities and return value to shareholders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101298,"accession_number":"0001101215-26-000021","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-02-18T23:59:59+00:00","items":["1.01","1.02","9.01"],"status":"ready","headline":"Bread Financial terminates capped calls; expects to retire ~1.5M shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Termination agreements for capped call transactions linked to 4.25% convertible notes due 2028; no notes outstanding as of Dec 2025.","Based on Feb 17 VWAP, would receive and retire ~1.5M common shares; final count depends on stock during unwind period.","Settlement expected by end of February 2026; shares retired are independent of any existing buyback authorization.","Option counterparties may adjust hedge positions during the unwind, potentially affecting market trading in BFH stock."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101297,"accession_number":"0001101215-26-000010","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-02-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial's Jan 2026 net principal loss rate improves to 7.1% from 7.8% YoY","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net principal loss rate: 7.1% in Jan 2026 vs 7.8% in Jan 2025.","Net principal losses decreased to $111M from $123M year-over-year.","Delinquency rate (30+ days) fell to 5.9% from 6.1% as of Jan 31, 2026.","Average credit card and other loans flat at ~$18.53B; end-of-period at $18.39B.","Period-end principal loans outstanding declined to $16.40B from $16.87B YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101296,"accession_number":"0001101215-26-000008","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial reports Dec 2025 net loss rate 7.4%, delinquency rate 5.8%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["End-of-period credit card and other loans $18,805M as of Dec 31, 2025.","Net loss rate for the month and quarter ended Dec 31, 2025: 7.4%.","Net principal losses for December 2025: $116M; for Q4 2025: $336M.","Delinquency rate (30+ days) improved to 5.8% vs 5.9% a year earlier.","Average credit card and other loans down 1% YoY for both December and Q4 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101295,"accession_number":"0001101215-26-000007","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Bread Financial FY2025 net income $518M; returns $350M to shareholders, raises dividend 10%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year net income $518M; tangible book value per share up 23% YoY.","Returned $350M to shareholders in 2025, including $310M in share repurchases (12% of shares outstanding).","Quarterly common dividend increased 10% in Q4; new $0.23/share dividend payable March 16, 2026.","Credit sales rose 3.0% YoY; all top-10 partner programs renewed through at least 2028 (including Caesars).","Received credit rating upgrades from Moody's and Fitch; positive outlooks from Moody's and S&P."],"consensus_eps_estimate":null,"consensus_eps_actual":10.89,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117664,"accession_number":"0001101215-25-000201","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-12-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial Nov 2025 net loss rate 7.4% vs 8.0% YoY; delinquencies improve","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["End-of-period credit card loans $18.1B, average $17.8B, both down ~1% YoY.","Net principal losses $109M in Nov 2025 vs $118M in Nov 2024.","Net loss rate 7.4% improved from 8.0% year-over-year.","Delinquency rate (30+ days) 6.0% as of Nov 2025 vs 6.2% a year earlier.","Prior-year rates modestly lowered by hurricane-related delinquency freeze."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117663,"accession_number":"0001193125-25-294761","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-11-25T23:59:59+00:00","items":["3.03","5.03","8.01","9.01"],"status":"ready","headline":"Bread Financial issues 3M depositary shares of 8.625% Non-Cumulative Perpetual Preferred Series A for $75M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued 3M depositary shares of 8.625% Non-Cumulative Perpetual Preferred (Series A) for $75M liquidation.","Underwriting agreement with Wells Fargo, J.P. Morgan, Morgan Stanley, RBC Capital Markets dated Nov 20, 2025.","Certificate of Designations filed Nov 25, 2025, amending certificate of incorporation for Series A terms.","Dividend restrictions on junior stock if preferred dividends not declared for prior period."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117662,"accession_number":"0001101215-25-000198","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-11-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bread Financial prices $75M preferred stock offering; net proceeds ~$72.6M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Offering of 3,000,000 depositary shares at $25/share, each representing 1/40th interest in 8.625% Series A Preferred Stock.","Expected net proceeds of approximately $72,637,500 after underwriting discounts and expenses.","Proceeds for general corporate purposes, including potential contributions to Comenity Capital Bank and share repurchases.","Closing expected on November 25, 2025; joint bookrunners: Wells Fargo, J.P. Morgan, Morgan Stanley, RBC.","Company will apply to list depositary shares on NYSE."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117661,"accession_number":"0001101215-25-000193","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-11-20T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bread Financial launches public offering of depositary shares for Series A Preferred Stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Depositary shares each represent a 1/40th interest in Series A Preferred Stock with $25 liquidation preference per depositary share.","Proceeds to be used for general corporate purposes, including potential contributions to subsidiary Comenity Capital Bank and share repurchases.","Joint bookrunners: Wells Fargo, J.P. Morgan, Morgan Stanley, and RBC Capital Markets.","Offering subject to market conditions; no assurance of successful completion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117660,"accession_number":"0001101215-25-000183","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-11-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial October 2025 credit metrics improve: net loss rate 7.5%, delinquency 6.1%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net loss rate fell to 7.5% in Oct 2025 from 7.9% a year ago; net principal losses $112M vs $120M.","Delinquency rate (30+ days) improved to 6.1% from 6.4% in Oct 2024.","Average credit card and other loans were $17.6B, down 1% YoY from $17.9B.","Period-end credit card and other loans principal was $15.9B vs $16.5B in Oct 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117659,"accession_number":"0001101215-25-000181","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-11-06T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Bread Financial issues $500M 6.750% Senior Notes due 2031","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$500M principal of 6.750% Senior Notes due 2031, issued Nov 6, 2025.","Interest payable semiannually starting May 15, 2026; maturity May 15, 2031.","Notes are senior unsecured obligations, guaranteed by domestic subsidiaries that guarantee Credit Agreement.","Company may redeem on/after May 15, 2028 at specified prices; make-whole premium before that.","Holders may require repurchase at 101% upon Change of Control Triggering Event."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117658,"accession_number":"0001101215-25-000178","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-10-29T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Bread Financial prices $500M 6.750% notes, uses proceeds plus $275M cash to redeem $719M 9.750% notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$500M aggregate principal of 6.750% senior notes due 2031 priced at 100%; net proceeds ~$493M.","Proceeds plus $275M cash to redeem all $719M 9.750% senior notes due 2029, including make-whole premium.","Redemption conditional on closing of note offering; notes close Nov 6, redemption expected Nov 7, 2025.","Notes guaranteed by domestic subsidiaries that guarantee existing senior notes and credit facility.","Offering is a private placement under Rule 144A and Regulation S; not registered under Securities Act."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117657,"accession_number":"0001101215-25-000175","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-10-28T23:59:59+00:00","items":["2.04","8.01","9.01"],"status":"ready","headline":"Bread Financial issues $500M senior notes, plans to redeem $719M 9.75% notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Conditional redemption of $719M aggregate principal 9.750% senior notes due 2029 on Nov 7, 2025, at par plus make-whole premium.","Private offering of $500M senior notes; net proceeds plus ~$275M cash on hand to fund the redemption.","Redemption conditioned on receipt of at least $500M gross proceeds from debt financings by 11 a.m. NY time on Nov 7.","New notes guaranteed on a full, joint and several basis by domestic subsidiary guarantors of existing debt.","Offering subject to market and other conditions; no assurance of completion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117656,"accession_number":"0001101215-25-000169","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial reports Sep 2025 net loss rate 6.9%; delinquency rate improves to 6.0%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["End-of-period credit card and other loans $17.66B; average loans down 2% YoY for month.","Net principal losses $101M for Sept; net loss rate 7.4% for Q3 2025.","30+ day delinquency rate 6.0% at Sep 30, 2025, down from 6.4% a year ago.","Average credit card and other loans for Q3 2025 $17.60B, down 1% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117655,"accession_number":"0001101215-25-000168","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Bread Financial increases dividend 10% to $0.23/share and adds $200M to buyback authorization","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend raised to $0.23 per share from $0.21, a 10% increase.","Board approved $200M increase in share repurchase authorization; total remaining $340M.","Dividend payable Dec 12, 2025 to holders of record Nov 7, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134098,"accession_number":"0001101215-25-000154","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-09-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial reports August 2025 net loss rate 7.6% vs 7.8% YoY; delinquency rate 5.8% vs 6.2%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net loss rate improved to 7.6% in Aug 2025 from 7.8% in Aug 2024; net principal losses $113M vs $118M.","Delinquency rate (30+ days) decreased to 5.8% from 6.2% year-over-year.","End-of-period credit card/other loans $17.66B vs $17.94B; average loans down 1% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134097,"accession_number":"0001101215-25-000151","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-08-27T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial authorizes $200M share repurchase program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized a plan to repurchase up to $200 million in common stock; no expiration date set.","Repurchases subject to market conditions, legal restrictions, and may be suspended at any time.","CEO Ralph Andretta cited capital priorities: responsible growth, balance sheet strength, shareholder returns."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134096,"accession_number":"0001101215-25-000147","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-08-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bread Financial completes cash tender offers; $31.4M total principal accepted","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Tender offers expired Aug 21, 2025; $31,288,000 of 2029 Notes and $121,000 of 2035 Notes tendered.","Total principal outstanding: $750,012,000 (2029 Notes) and $400,000,000 (2035 Notes).","Consideration per $1,000 principal: $1,070 (2029 Notes) and $1,025 (2035 Notes), including $50 early participation amount.","Settlement for post-early tendered notes expected Aug 26, 2025; accrued interest paid.","Maximum $150M purchase target; actual acceptances total ~$31.4M, far below cap."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134095,"accession_number":"0001101215-25-000145","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-08-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial Jul 2025 net loss rate 7.6% (down 40 bps YoY); delinquency rate 5.8% (down 40 bps)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net loss rate of 7.6%, down from 8.0% in July 2024; net principal losses of $114M vs $120M.","Delinquency rate of 5.8%, down from 6.2% year-over-year.","Average credit card and other loans flat YoY at $17.585B; end-of-period loans $17.594B.","Credit quality metrics improved with lower losses and delinquencies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134094,"accession_number":"0001101215-25-000142","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-08-07T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bread Financial reports early tender of $28.4M of 2029 notes and $121K of 2035 notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$28.4M of 9.750% Senior Notes due 2029 tendered early; consideration $1,070/$1,000 principal plus accrued interest.","$121K of 8.375% Subordinated Notes due 2035 tendered early; consideration $1,025/$1,000 principal plus accrued interest.","Total consideration extended through expiration date; holders tendering after early date still receive full consideration.","Settlement of tendered notes expected on August 11, 2025, subject to conditions.","Tender offers target up to $150M aggregate principal; early participation results below maximum."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134093,"accession_number":"0001101215-25-000131","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial reports June 2025 net loss rate 7.8%, Q2 rate 7.9%; delinquency improves to 5.7%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net loss rate for June 2025: 7.8%; for Q2 2025: 7.9%; net principal losses $113M and $348M respectively.","Delinquency rate (30+ days) as of June 30, 2025: 5.7%, down from 6.0% a year ago.","End-of-period credit card and other loans $17.656B; average loans $17.631B in June, down 1% YoY.","Hurricane Helene/Milton delinquency freeze in Q4 2024 modestly lowered prior losses but increased Q2 2025 losses.","Period-end credit card and other loans principal $16.102B vs $16.344B a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134092,"accession_number":"0001101215-25-000130","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Bread Financial announces Q2 2025 results and declares $0.21 quarterly dividend","summary_kind":"llm","event_type":"earnings","confidence":"medium","bullets":["Quarterly cash dividend of $0.21/share declared, payable Sept 12, 2025 to holders of record Aug 8, 2025.","Q2 2025 earnings press release and investor presentation issued; specific financial figures are not available in this filing excerpt.","Results of operations for Q2 ended June 30, 2025 were disclosed; details omitted from provided exhibit text."],"consensus_eps_estimate":null,"consensus_eps_actual":5.71,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134091,"accession_number":"0001101215-25-000129","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bread Financial launches $150M cash tender for 2029 senior and 2035 subordinated notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Up to $150M total: $100M for 9.750% Senior Notes due 2029 and $50M for 8.375% Subordinated Notes due 2035.","Modified Dutch auction: bid range $1,040-$1,070 for senior notes, $995-$1,025 for sub notes.","Early participation deadline Aug 6, 2025; expiration Aug 21, 2025; early settlement expected Aug 11.","Holders tendering early receive $50 per $1,000 principal as early participation amount.","J.P. Morgan sole lead dealer manager; D.F. King information and tender agent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150845,"accession_number":"0001101215-25-000096","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-06-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial May 2025 net loss rate 8.0% vs 8.8% YoY; delinquencies 5.7% vs 5.9%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net principal losses $120M in May 2025 vs $133M in May 2024.","Net loss rate improved to 8.0% from 8.8% year-over-year.","Delinquency rate (30+ days) fell to 5.7% from 5.9%.","End-of-period credit card and other loans $17.7B, down 1% YoY.","Hurricane-related delinquency freeze will negatively impact Q2 2025 loss rates."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150844,"accession_number":"0001193125-25-135322","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-06-05T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BFH early tender results: $537M notes tendered, $150M accepted at $1,071.25/$1k","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["As of June 4, 2025, approx. $536.8M of 9.750% Senior Notes due 2029 were tendered, exceeding the $150M Tender Cap.","Accepted notes will be prorated at ~77.5% for bids at Clearing Premium; total consideration $1,071.25 per $1k principal.","Settlement expected June 9, 2025; no further tenders after Early Participation Date will be accepted.","Early participation amount of $50 per $1k included; accrued interest also payable.","J.P. Morgan Securities acted as sole lead dealer manager; multiple co-dealer managers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150843,"accession_number":"0001101215-25-000092","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-05-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bread Financial launches up to $150M cash tender offer for 9.75% Senior Notes due 2029","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offers to repurchase up to $150M of its $900M outstanding 9.750% Senior Notes due Mar 2029 via modified Dutch auction.","Holders tendering by June 4, 2025, 5:00 PM ET receive an extra $50 per $1,000 principal (early participation amount).","Acceptable bid range: $1,040-$1,080 per $1,000 principal. Tender offer expires June 20, 2025.","Early settlement expected June 9, 2025; final settlement June 25, 2025.","J.P. Morgan is sole lead dealer manager; BMO, CIBC, KeyBanc, RBC, Scotia, Truist, Fifth Third, U.S. Bancorp, Wells Fargo are co-dealers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150842,"accession_number":"0001101215-25-000086","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-05-14T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Bread Financial annual meeting elects all 10 directors, approves say-on-pay and auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["88.69% of shares represented (42.85M of 48.32M outstanding) at May 13, 2025 virtual meeting.","All 10 director nominees elected with strong support; lowest was Sharen J. Turney at 38.37M For, 495.6K Against.","Advisory vote on executive compensation approved: 37.03M For, 1.86M Against, 69.5K Abstain.","Ratification of Deloitte & Touche as auditor for 2025 passed: 41.91M For, 874.9K Against, 69.3K Abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150841,"accession_number":"0001101215-25-000082","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-05-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial April credit metrics improve: net loss rate 7.8%, delinquency 5.7%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net loss rate fell to 7.8% in April 2025 from 8.6% a year earlier; principal losses $114M vs $127M.","Delinquency rate (30+ days) improved to 5.7% as of April 30, 2025, from 6.0% a year ago.","Average credit card and other loans were $17.7B, down 2% YoY from $18.0B.","Hurricane-related delinquency freezes (Helene/Milton) will negatively impact Q2 2025 net losses."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150840,"accession_number":"0001101215-25-000076","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial reports March net loss rate 8.1%, Q1 8.2%; delinquency rate improves to 5.9% from 6.2%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net loss rate for March 2025: 8.1%; Q1 2025 average: 8.2%.","Delinquency rate (30+ days) as of March 31, 2025: 5.9%, down from 6.2% a year ago.","End-of-period credit card and other loans: $17.815 billion; average loans down 2% YoY.","Net principal losses for Q1 2025: $365 million, with March contribution of $123 million."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150839,"accession_number":"0001101215-25-000075","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Bread Financial Q1 net income $138M; credit sales up 1% YoY; new Crypto.com card partnership","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $138M; tangible book value per share rose to $48.92.","Credit sales increased 1% YoY driven by higher general-purpose spending and transaction volume.","Completed $400M subordinated notes offering and $150M share repurchase program.","Declared quarterly dividend of $0.21/share, payable June 13 to holders of record May 9.","New card program announced with Crypto.com; renewed Academy Sports partnership."],"consensus_eps_estimate":null,"consensus_eps_actual":2.78,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169782,"accession_number":"0001101215-25-000062","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-03-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial Feb 2025 net loss rate 8.6% vs 8.9% YoY; delinquency rate 6.2% vs 6.7%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net principal losses $120M, down from $131M in Feb 2024.","Average credit card/other loans $18.14B, down 2% YoY.","End-of-period loans $17.95B vs $18.39B a year ago.","Delinquent principal (30+ days) $1.027B vs $1.130B last year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169781,"accession_number":"0001101215-25-000054","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-03-10T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Bread Financial issues $400M of 8.375% subordinated notes due 2035","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$400M principal amount of 8.375% Fixed-Rate Reset Subordinated Notes due 2035.","Interest fixed at 8.375% until June 15, 2030, then reset to 5-year Treasury + 430 bps.","Notes mature June 15, 2035; subordinated unsecured with no subsidiary guarantees.","Redeemable at par on June 17, 2030 or within 90 days of a regulatory capital event.","Indenture includes no restrictive covenants except merger/asset sale restrictions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169780,"accession_number":"0001101215-25-000052","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-03-06T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Bread Financial prices $400M 8.375% subordinated notes due 2035","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$400M aggregate principal, 8.375% fixed-rate reset, due June 15, 2035; priced at par.","Net proceeds of ~$395M; closing expected March 10, 2025.","At least $250M of net proceeds to be lent as subordinated debt to subsidiary Comenity Capital Bank.","Remaining proceeds for general corporate purposes, including potential share repurchases.","Offering exempt from SEC registration under Rule 144A and Regulation S."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169779,"accession_number":"0001101215-25-000050","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-03-05T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"Bread Financial authorizes $150M buyback and $400M subordinated notes offering","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Board approved up to $150M share repurchase program; no expiration date set.","Company plans $400M private offering of fixed-rate reset subordinated notes.","At least $250M of net proceeds will lend as subordinated debt to subsidiary Comenity Capital Bank.","Remaining proceeds for general corporate purposes, which may include share repurchases.","Notes offered only to QIBs and non-U.S. persons; not registered under Securities Act."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169778,"accession_number":"0001101215-25-000026","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-02-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial Jan 2025: net loss rate 7.8% (down from 8.0%), delinquency 6.1% (down from 6.8%)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss rate for January 2025 was 7.8%, compared to 8.0% in January 2024.","Delinquency rate (30+ days) as of January 31, 2025 was 6.1%, down from 6.8% a year earlier.","Average credit card and other loans were $18.53B, down 2% YoY from $18.915B.","Net principal losses for January 2025 were $123M, compared to $128M in January 2024.","End-of-period loans were $18.366B, down approximately 2% from $18.785B a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":5.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169777,"accession_number":"0001101215-25-000013","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial Q4 net loss rate 8.0%, delinquency improves to 5.9%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net loss rate of 8.0% for Q4 2024; net principal losses $367M.","Delinquency rate 5.9% at Dec 31, 2024 vs 6.5% a year earlier.","Hurricane-related delinquency freeze will shift some losses to Q2 2025.","End-of-period credit card loans $18.9B; average loans $18.2B, flat YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169776,"accession_number":"0001101215-25-000012","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Bread Financial Q4 2024 net income $7M; full year adjusted EPS $7.55; dividend $0.21","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024 net income $7M ($0.14 diluted EPS); adjusted net income $20M ($0.40 adjusted diluted EPS).","Full year 2024 net income $277M ($5.49 EPS); adjusted net income $381M ($7.55 adjusted EPS).","Average loans $18.2B (down 1% YoY); revenue $926M; CET1 ratio 12.4% (+20 bps).","Repurchased $44M of convertible notes (pre-tax impact $11M) and $44M of shares (684k shares at $64.35 avg).","Declared quarterly dividend $0.21/share payable March 21, 2025 (unchanged); record Feb 14."],"consensus_eps_estimate":null,"consensus_eps_actual":5.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186831,"accession_number":"0001101215-24-000238","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2024-12-31T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Bread Financial redeems all outstanding 7.000% notes due 2026","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Company will redeem all outstanding 7.000% senior notes due 2026 on Jan 15, 2025 at par plus accrued interest.","Redemption is under indenture dated Sept 22, 2020 with U.S. Bank Trust Company as trustee.","Notice of redemption issued Dec 31, 2024; reduces outstanding debt but no new financing announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186830,"accession_number":"0001101215-24-000232","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2024-12-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial Nov 2024: net loss rate 8.0% (7.9% YoY), delinquencies 6.2% (6.5% YoY)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net loss rate 8.0% for Nov 2024 vs 7.9% for Nov 2023; net principal losses $118M vs $120M.","Delinquency rate 6.2% as of Nov 30, 2024 vs 6.5% a year earlier; delinquent principal $1,032M vs $1,131M.","End-of-period credit card and other loans $18.143B, down from $18.780B YoY; average loans -1% YoY.","Hurricane Helene/Milton freeze on delinquency progression will shift some net losses from Q4 2024 to Q2 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186829,"accession_number":"0001101215-24-000230","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2024-12-02T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial expands 2024 share repurchase program by $25M to $55M total","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved $25M increase to 2024 buyback, raising authorization from $30M to $55M through Dec 31, 2024.","Remaining authorization as of Dec 2, 2024 is ~$44M (after $19M previously unused plus new $25M).","Program designed to offset dilution from restricted stock unit issuances.","Repurchases may be made in open market under Rule 10b-18; no obligation to buy specific amount.","Program can be suspended or terminated at any time; subject to market conditions and regulatory limits."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186828,"accession_number":"0001101215-24-000226","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2024-11-14T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial Oct 2024: Net loss rate 7.9% vs 8.0% YoY; delinquency rate 6.4% vs 6.5%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["End-of-period credit card and other loans $17,915M, down from $18,386M a year ago.","Net principal losses $120M, up slightly from $119M in Oct 2023.","Net loss rate improved to 7.9% from 8.0% YoY.","30+ day delinquency rate decreased to 6.4% from 6.5%.","Hurricanes Helene and Milton led to freezing delinquency progression in FEMA zones, affecting Q4 2024 and Q2 2025 loss rates."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3633403493.9292736,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186827,"accession_number":"0001101215-24-000218","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bread Financial Q3 net loss rate 7.8%; 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