{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-24-000217","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.669284+00:00","generated_at":"2026-05-30T10:20:14.775831+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 2024 adj. EPS $1.83, revenue $983M; declares $0.21 dividend","bullets":["Adjusted net income $93M (adj. diluted EPS $1.83); GAAP net income $2M ($0.05 EPS) from $91M post-tax convertible note charge.","Revenue $983M; average loans $17.8B (+1% YoY); delinquency rate 6.4%; net loss rate 7.8%.","CET1 capital ratio 13.3% (+40 bps YoY); tangible book value per share $47.48.","Repurchased $262M principal of convertible notes with cash on hand, $96M pre-tax impact.","Board declared quarterly cash dividend $0.21/share, payable Dec 13 to holders of record Nov 8."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-24-000217","json":"https://secwatch.observer/filing/0001101215-24-000217.json","markdown":"https://secwatch.observer/filing/0001101215-24-000217.md","text":"https://secwatch.observer/filing/0001101215-24-000217.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000217/0001101215-24-000217-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000217/bfh-20241024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:20:14.775831+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}