---
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"
generated_at: "2026-05-16T06:16:57.920890+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bread Financial FY2025 net income $518M; returns $350M to shareholders, raises dividend 10%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-26-000007
- JSON: https://secwatch.observer/filing/0001101215-26-000007.json
- Plain text: https://secwatch.observer/filing/0001101215-26-000007.txt

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