{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000007","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.540198+00:00","generated_at":"2026-05-16T06:16:57.920890+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 FY2025 net income $518M; returns $350M to shareholders, raises dividend 10%","bullets":["Full-year net income $518M; tangible book value per share up 23% YoY.","Returned $350M to shareholders in 2025, including $310M in share repurchases (12% of shares outstanding).","Quarterly common dividend increased 10% in Q4; new $0.23/share dividend payable March 16, 2026.","Credit sales rose 3.0% YoY; all top-10 partner programs renewed through at least 2028 (including Caesars).","Received credit rating upgrades from Moody's and Fitch; positive outlooks from Moody's and S&P."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000007","json":"https://secwatch.observer/filing/0001101215-26-000007.json","markdown":"https://secwatch.observer/filing/0001101215-26-000007.md","text":"https://secwatch.observer/filing/0001101215-26-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000007/0001101215-26-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000007/bfh-20260129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:16:57.920890+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"}