{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-25-000075","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.521874+00:00","generated_at":"2026-05-23T06:39:56.599284+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 Q1 net income $138M; credit sales up 1% YoY; new Crypto.com card partnership","bullets":["Net income of $138M; tangible book value per share rose to $48.92.","Credit sales increased 1% YoY driven by higher general-purpose spending and transaction volume.","Completed $400M subordinated notes offering and $150M share repurchase program.","Declared quarterly dividend of $0.21/share, payable June 13 to holders of record May 9.","New card program announced with Crypto.com; renewed Academy Sports partnership."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-25-000075","json":"https://secwatch.observer/filing/0001101215-25-000075.json","markdown":"https://secwatch.observer/filing/0001101215-25-000075.md","text":"https://secwatch.observer/filing/0001101215-25-000075.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000075/0001101215-25-000075-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000075/bfh-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T06:39:56.599284+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"}