---
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"
generated_at: "2026-07-23T10:55:09.871951+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Bread Financial Q2 net income $146M, revenue up 7% YoY; improves 2026 outlook

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-26-000068
- JSON: https://secwatch.observer/filing/0001101215-26-000068.json
- Plain text: https://secwatch.observer/filing/0001101215-26-000068.txt

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