{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-26-000087","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-10-22T10:46:33+00:00","discovered_at":"2026-10-22T10:50:00.248313+00:00","generated_at":"2026-10-22T10:50:03.897942+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.72,"calibrated_materiality_score":0.72,"confidence":"high","headline":"Bread Financial Q3 net income $156M on 5% revenue growth; common dividend raised 9% to $0.25","bullets":["Net income of $156M; revenue up 5% YoY as credit sales rose 9% and end-of-period loans grew 7%.","Consumer deposits increased 21% to $9.9B; tangible book value per share up 19% YoY; $75M of common stock repurchased during the quarter.","Full-year 2026 net loss rate outlook improved to below 7%, with delinquency and net loss rates both trending favorably year-over-year.","Common dividend raised 9% to $0.25/share from $0.23, payable Dec 15, 2026 to holders of record Nov 30; Series A preferred $0.539/depositary share, Series B $0.55475.","Renewed top-10 partners Signet Jewelers (expanding to Blue Nile brand) and Sephora; completed bank merger and received a Moody's ratings upgrade after quarter end."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-26-000087","json":"https://secwatch.observer/filing/0001101215-26-000087.json","markdown":"https://secwatch.observer/filing/0001101215-26-000087.md","text":"https://secwatch.observer/filing/0001101215-26-000087.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000087/0001101215-26-000087-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000087/bfh-20261022.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T10:50:03.897942+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"}