---
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"
generated_at: "2026-06-22T23:31:31.306742+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bread Financial Q3 net income $134M, EPS $2.69; revenue up 15% YoY to $979M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-22-000148
- JSON: https://secwatch.observer/filing/0001101215-22-000148.json
- Plain text: https://secwatch.observer/filing/0001101215-22-000148.txt

## Key facts
- Earnings Releases
  BREAD FINANCIAL HOLDINGS, INC. reported third quarter ended September 30, 2022 results: revenue $979 million, net income $134 million, EPS $2.69. Guidance reaffirmed.
  - Period: third quarter ended September 30, 2022
  - Revenue: $979 million
  - Net income: $134 million
  - EPS: $2.69
  - Guidance: reaffirmed
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1101215/000110121522000148/0001101215-22-000148-index.htm

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