---
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"
generated_at: "2026-10-22T10:50:03.897942+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# Bread Financial Q3 net income $156M on 5% revenue growth; common dividend raised 9% to $0.25

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-26-000087
- JSON: https://secwatch.observer/filing/0001101215-26-000087.json
- Plain text: https://secwatch.observer/filing/0001101215-26-000087.txt

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