{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000012","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.933665+00:00","generated_at":"2026-05-27T05:08:34.692811+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Bread Financial Q4 2024 net income $7M; full year adjusted EPS $7.55; dividend $0.21","bullets":["Q4 2024 net income $7M ($0.14 diluted EPS); adjusted net income $20M ($0.40 adjusted diluted EPS).","Full year 2024 net income $277M ($5.49 EPS); adjusted net income $381M ($7.55 adjusted EPS).","Average loans $18.2B (down 1% YoY); revenue $926M; CET1 ratio 12.4% (+20 bps).","Repurchased $44M of convertible notes (pre-tax impact $11M) and $44M of shares (684k shares at $64.35 avg).","Declared quarterly dividend $0.21/share payable March 21, 2025 (unchanged); record Feb 14."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000012","json":"https://secwatch.observer/filing/0001101215-25-000012.json","markdown":"https://secwatch.observer/filing/0001101215-25-000012.md","text":"https://secwatch.observer/filing/0001101215-25-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000012/0001101215-25-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000012/bfh-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:08:34.692811+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"}