---
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"
generated_at: "2026-05-30T10:20:14.775831+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bread Financial Q3 2024 adj. EPS $1.83, revenue $983M; declares $0.21 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1101215/000110121524000217/0001101215-24-000217-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1101215/000110121524000217/bfh-20241024.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-24-000217
- JSON: https://secwatch.observer/filing/0001101215-24-000217.json
- Plain text: https://secwatch.observer/filing/0001101215-24-000217.txt

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