{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-23-000191","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.222047+00:00","generated_at":"2026-06-09T07:52:43.893517+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Bread Financial Q3 2023: EPS $3.42, revenue $1.03B, net loss rate 6.9%","bullets":["Net income of $171M ($3.42 diluted EPS); continuing ops net income $173M ($3.46). YoY net income up 28%.","Total revenue $1,031M (+5% YoY); net interest margin stable; pretax pre-provision earnings $529M (+7%).","Net principal losses $304M (+40% YoY); reserve build $0; net loss rate 6.9%; delinquency rate 6.3%.","CET1 ratio 12.9% (+140bps YoY); tangible book value $42.45 (+24% YoY). Completed $35M share repurchase.","Declared quarterly dividend $0.21/share, payable Dec 15 to holders of record Nov 13."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-23-000191","json":"https://secwatch.observer/filing/0001101215-23-000191.json","markdown":"https://secwatch.observer/filing/0001101215-23-000191.md","text":"https://secwatch.observer/filing/0001101215-23-000191.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121523000191/0001101215-23-000191-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121523000191/bfh-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T07:52:43.893517+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":"fe564ed010b6942fda8c3c9e36b09dc2656092e6","claim":"BREAD FINANCIAL HOLDINGS, INC. updated its third quarter ended September 30, 2023 guidance (reaffirmed).","evidence_excerpt":"On October 26, 2023, Bread Financial Holdings, Inc. (the “Company”) issued a press release regarding its results of operations for the third quarter ended September 30, 2023 (the “Q3 2023 Earnings Release”).","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121523000191/0001101215-23-000191-index.htm","confidence":0.8,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2023"},{"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"}