secwatch.observer — SEC 8-K summary
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Issuer:     BREAD FINANCIAL HOLDINGS, INC. (BFH)
CIK:        0001101215
Form:       8-K
Filed at:   2025-01-30T23:59:59+00:00
Accession:  0001101215-25-000012
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1101215/000110121525000012/0001101215-25-000012-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1101215/000110121525000012/bfh-20250130.htm
  HTML page:      https://secwatch.observer/filing/0001101215-25-000012

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer