{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-23-000008","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.865818+00:00","generated_at":"2026-06-20T07:52:26.411300+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Bread Financial Q4 net loss $134M; revenue up 21%; announces Yankees co-brand card, dividend $0.21","bullets":["Q4 net loss of $134M ($2.68 diluted EPS loss); full year net income $223M ($4.46 EPS).","Total Q4 revenue $1,033M, +21% YoY; avg loan growth +23% YoY; reserve build $380M.","Expects 2023 avg loan growth mid-single digit, net loss rate ~7%, effective tax rate 25-26%.","Multi-year co-brand credit card agreement with New York Yankees; card launching before 2023 MLB season.","Quarterly dividend maintained at $0.21 per share, payable March 17, 2023 to holders of record Feb 10."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-23-000008","json":"https://secwatch.observer/filing/0001101215-23-000008.json","markdown":"https://secwatch.observer/filing/0001101215-23-000008.md","text":"https://secwatch.observer/filing/0001101215-23-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121523000008/0001101215-23-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121523000008/form_8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T07:52:26.411300+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":"a351636f17ad0484ea683198c43f8825a9bc9dcc","claim":"BREAD FINANCIAL HOLDINGS, INC. reported fourth quarter and fiscal year ended December 31, 2022 results: revenue $1,033 million, net income $(134) million, EPS $(2.68) per diluted share. Guidance reaffirmed.","evidence_excerpt":"due to strong loan growth in the quarter, including the required reserve build relating to the acquisition of the AAA credit card portfolio. Total fourth quarter revenue was $1,033 million, up $178 million, or 21%, versus the fourth quarter of 2021. As expected, normalization of credit metrics continued in the fourth quarter with a delinquency rate of 5.5% and a","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121523000008/0001101215-23-000008-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter and fiscal year ended December 31, 2022"},{"label":"Revenue","value":"$1,033 million"},{"label":"Net income","value":"$(134) million"},{"label":"EPS","value":"$(2.68) per diluted share"},{"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"}