{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000068","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-07-23T10:51:32+00:00","discovered_at":"2026-07-23T10:55:00.256047+00:00","generated_at":"2026-07-23T10:55:09.871951+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Bread Financial Q2 net income $146M, revenue up 7% YoY; improves 2026 outlook","bullets":["Q2 net income $146M; revenue +7% YoY; credit sales +11% YoY; end-of-period loans +5% YoY.","Direct-to-consumer deposits grew 16% YoY; retired 7% of outstanding common shares since Q1 end.","Tangible book value per common share up 22% YoY; delinquency and net loss rates improved.","Company improves 2026 outlook; no specific guidance numbers provided in filing.","Declared quarterly common dividend $0.23/share, payable Sept 15; preferred dividends also declared."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000068","json":"https://secwatch.observer/filing/0001101215-26-000068.json","markdown":"https://secwatch.observer/filing/0001101215-26-000068.md","text":"https://secwatch.observer/filing/0001101215-26-000068.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000068/0001101215-26-000068-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000068/bfh-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T10:55:09.871951+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"}