{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000036","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:31.954262+00:00","generated_at":"2026-05-15T04:24:40.380349+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 $181M; revenue up 5%, loan growth 2% YoY","bullets":["Net income of $181M; tangible book value per common share +26% YoY.","End-of-period loans +2% YoY; credit sales +7% YoY driven by Gen Z/Millennial activity.","Repurchased 3.5M shares (8% of outstanding) during Q1 2026.","Launched new credit card partnerships with Ford and Ethan Allen; expanded Bread Pay with AAA, Dell, Academy Sports.","Declares Q2 common dividend $0.23/share and preferred dividend $21.56/share, payable June 15."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000036","json":"https://secwatch.observer/filing/0001101215-26-000036.json","markdown":"https://secwatch.observer/filing/0001101215-26-000036.md","text":"https://secwatch.observer/filing/0001101215-26-000036.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000036/0001101215-26-000036-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000036/bfh-20260423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:24:40.380349+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":[{"claim_id":"f6273e521c29989e0cfd0bcd9efa522958815f01","claim":"BREAD FINANCIAL HOLDINGS, INC. reported the first quarter ended March 31, 2026 results: net income $181 million.","evidence_excerpt":"Bread Financial delivered impressive first quarter results underscored by a return to loan growth with end-of-period loans up 2% year-over-year, alongside increasing growth in credit sales and improved credit metrics. Net income was $181 million, with revenue improvement of 5%, and tangible book value per common share grew by 26% year-over-year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000036/0001101215-26-000036-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter ended March 31, 2026"},{"label":"Net income","value":"$181 million"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}