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

Bread Financial Q2 EPS $2.94 as revenue fell 1%; net loss rate outlook improved

Mixed Impact 4 of 5 earnings Written later

Bread Financial reported second-quarter 2025 net income of $139 million, or $2.94 per diluted share, up from $2.66 a year earlier, while revenue fell 1% to $929 million. The company improved its full-year 2025 net loss rate guidance to 7.8% to 7.9%, but said lower billed late fees will modestly pressure its full-year revenue expectation.

Key points

  • Q2 2025 net income $139 million and diluted EPS $2.94, versus $133 million and $2.66 in Q2 2024
  • Revenue $929 million, down 1% from $939 million; average credit card and other loans $17.7 billion, down 1%
  • 2025 net loss rate guidance of 7.8% to 7.9%; full-year revenue expectation modestly pressured by lower billed late fees
  • Quarterly cash dividend of $0.21 per share, payable September 12, 2025 to holders of record August 8, 2025

The filing

CompanyBread Financial Holdings (BFH)
Form8-K, current report
Filed with the SECJul 24, 2025, 6:52 AM ET
Accession number0001101215-25-000130

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 July 24, 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.