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AI brief of an SEC Form 8-K · Bread Financial Holdings (BFH)

Bread Financial Q4 2024 diluted EPS falls to $0.14 from $0.87; sets 2025 outlook

Negative Impact 4 of 5 earnings Written later

Bread Financial reported fourth quarter 2024 net income of $7 million, or $0.14 per diluted share, down from $43 million, or $0.87, a year earlier, as revenue fell 9% to $926 million. The company also gave 2025 guidance, including a net loss rate of 8.0% to 8.2%, and declared a $0.21 quarterly dividend, which matters to shareholders because the earnings decline is steep even though the outlook assumes no late fee reduction under the CFPB rule.

Key points

  • Q4 2024 net income $7 million and $0.14 diluted EPS, versus $43 million and $0.87 in Q4 2023 (total company)
  • Q4 2024 revenue $926 million, down 9% from $1,017 million; full year 2024 net income $277 million versus $718 million
  • 2025 outlook: net loss rate of 8.0% to 8.2%, with the outlook assuming no late fee reduction related to the CFPB late fee rule
  • Quarterly dividend of $0.21 per share, payable March 21, 2025, to holders of record on February 14, 2025

The filing

CompanyBread Financial Holdings (BFH)
Form8-K, current report
Filed with the SECJan 30, 2025, 6:52 AM ET
Accession number0001101215-25-000012

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure8.01 Other Events

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:01 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 30, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.