{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-22-000148","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2022-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.605899+00:00","generated_at":"2026-06-22T23:31:31.306742+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Bread Financial Q3 net income $134M, EPS $2.69; revenue up 15% YoY to $979M","bullets":["Average loan growth of 14% YoY; credit sales growth of 4% impacted by card processing transition and fuel price spike.","Quarter-end delinquency rate 5.7%, net loss rate 5.0% as credit normalization continues.","New long-term credit card relationship with World Market; Marqeta partnership for in-store virtual payments.","Board declares $0.21 quarterly dividend, payable Dec 16, 2022 to holders of record Nov 14, 2022.","FY2022 guidance: low-double-digit loan growth, net loss at high end of 5% range, positive operating leverage."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-22-000148","json":"https://secwatch.observer/filing/0001101215-22-000148.json","markdown":"https://secwatch.observer/filing/0001101215-22-000148.md","text":"https://secwatch.observer/filing/0001101215-22-000148.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121522000148/0001101215-22-000148-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121522000148/form_8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T23:31:31.306742+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":[{"claim_id":"2e980f59b8555995e51edd0af53bf7b23ff5690c","claim":"BREAD FINANCIAL HOLDINGS, INC. reported third quarter ended September 30, 2022 results: revenue $979 million, net income $134 million, EPS $2.69. Guidance reaffirmed.","evidence_excerpt":"announced financial results for the third quarter ended September 30, 2022. Third quarter net income was $134 million, or $2.69 per diluted share. Total third quarter revenue was $979 million, up $128 million, or 15%, versus the third quarter of 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121522000148/0001101215-22-000148-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2022"},{"label":"Revenue","value":"$979 million"},{"label":"Net income","value":"$134 million"},{"label":"EPS","value":"$2.69"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}