{"filing":{"accession_number":"0001101215-26-000087","cik":"0001101215","ticker":"BFH-PA","company_name":"BREAD FINANCIAL HOLDINGS, INC.","form":"8-K","filing_date":"2026-10-22","report_date":"2026-10-22","primary_document":"bfh-20261022.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000087/bfh-20261022.htm"},"events":[{"id":36989,"run_id":34092,"accession_number":"0001101215-26-000087","anchor_item_number":"2.02","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.97,"summary":"Bread Financial Holdings issued a press release on October 22, 2026 disclosing Q3 2026 financial results, including net income of $156 million, earnings per diluted share of $3.82, revenue growth of 5%, loan growth of 6-7%, improved credit metrics, and updated full-year 2026 guidance.","company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH-PA","filing_date":"2026-10-22","form":"8-K","submitted_at":null,"items":[{"id":41558,"accession_number":"0001101215-26-000087","item_number":"2.02","item_title":"Results of Operations and Financial Condition.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.98,"reasoning":"Bread Financial Holdings issued a press release on October 22, 2026 disclosing its Q3 2026 financial results, including net income of $156 million, revenue growth of 5%, loan growth of 6-7%, and improved credit metrics. The filing explicitly states \"Bread Financial Holdings, Inc. (the 'Company') issued a press release regarding its results of operations for the quarter ended September 30, 2026 (the 'Q3 2026 Earnings Release')\" and furnishes the earnings release as Exhibit 99.1, which is the standard disclosure mechanism for quarterly earnings under Item 2.02.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-10-22T10:48:43.815317+00:00","company_name":"","ticker":null,"filing_date":""},{"id":41559,"accession_number":"0001101215-26-000087","item_number":"7.01","item_title":"Regulation FD Disclosure.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"The Item 7.01 disclosure explicitly references \"the Q3 2026 Earnings Release\" and the supplemental exhibit (EX-99.1) contains Bread Financial's third-quarter 2026 financial results, including net income of $156 million, earnings per diluted share of $3.82, revenue growth of 5%, and updated full-year 2026 guidance. This is a standard quarterly earnings announcement with detailed financial metrics and management commentary.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-10-22T10:48:43.815317+00:00","company_name":"","ticker":null,"filing_date":""}]},{"id":36990,"run_id":34092,"accession_number":"0001101215-26-000087","anchor_item_number":"8.01","event_type":"dividend_distribution","event_domain":"financial","is_material":true,"confidence":0.95,"summary":"The Board declared quarterly cash dividends on three classes of securities: $21.56 per share of 8.625% Preferred Stock Series A, $22.19 per share of 8.875% Preferred Stock Series B, and $0.25 per common share (a 9% increase), all payable December 15, 2026.","company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH-PA","filing_date":"2026-10-22","form":"8-K","submitted_at":null,"items":[{"id":41560,"accession_number":"0001101215-26-000087","item_number":"8.01","item_title":"Other Events.","event_type":"dividend_distribution","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"The Item 8.01 disclosure announces the Board's declaration of quarterly cash dividends on three classes of securities: (i) $21.56 per share of 8.625% Preferred Stock Series A, (ii) $22.19 per share of 8.875% Preferred Stock Series B, and (iii) $0.25 per common share, all payable December 15, 2026. The supplemental press release (EX-99.1) further notes a 9% increase in the quarterly common stock dividend, reflecting the Board's confidence in the business model. This is a routine but material capital allocation decision affecting all shareholders.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-10-22T10:48:43.815317+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":41558,"accession_number":"0001101215-26-000087","item_number":"2.02","item_title":"Results of Operations and Financial Condition.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.98,"reasoning":"Bread Financial Holdings issued a press release on October 22, 2026 disclosing its Q3 2026 financial results, including net income of $156 million, revenue growth of 5%, loan growth of 6-7%, and improved credit metrics. The filing explicitly states \"Bread Financial Holdings, Inc. (the 'Company') issued a press release regarding its results of operations for the quarter ended September 30, 2026 (the 'Q3 2026 Earnings Release')\" and furnishes the earnings release as Exhibit 99.1, which is the standard disclosure mechanism for quarterly earnings under Item 2.02.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-10-22T10:48:43.815317+00:00","company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH-PA","filing_date":"2026-10-22"},{"id":41559,"accession_number":"0001101215-26-000087","item_number":"7.01","item_title":"Regulation FD Disclosure.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"The Item 7.01 disclosure explicitly references \"the Q3 2026 Earnings Release\" and the supplemental exhibit (EX-99.1) contains Bread Financial's third-quarter 2026 financial results, including net income of $156 million, earnings per diluted share of $3.82, revenue growth of 5%, and updated full-year 2026 guidance. This is a standard quarterly earnings announcement with detailed financial metrics and management commentary.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-10-22T10:48:43.815317+00:00","company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH-PA","filing_date":"2026-10-22"},{"id":41560,"accession_number":"0001101215-26-000087","item_number":"8.01","item_title":"Other Events.","event_type":"dividend_distribution","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"The Item 8.01 disclosure announces the Board's declaration of quarterly cash dividends on three classes of securities: (i) $21.56 per share of 8.625% Preferred Stock Series A, (ii) $22.19 per share of 8.875% Preferred Stock Series B, and (iii) $0.25 per common share, all payable December 15, 2026. The supplemental press release (EX-99.1) further notes a 9% increase in the quarterly common stock dividend, reflecting the Board's confidence in the business model. This is a routine but material capital allocation decision affecting all shareholders.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-10-22T10:48:43.815317+00:00","company_name":"BREAD FINANCIAL HOLDINGS, INC.","ticker":"BFH-PA","filing_date":"2026-10-22"}]}