---
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"
generated_at: "2026-05-27T05:08:34.692811+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Bread Financial Q4 2024 net income $7M; full year adjusted EPS $7.55; dividend $0.21

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-25-000012
- JSON: https://secwatch.observer/filing/0001101215-25-000012.json
- Plain text: https://secwatch.observer/filing/0001101215-25-000012.txt

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