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

Bread Financial Q4 net income rises to $53 million; 2026 outlook issued

Positive Impact 3 of 5 earnings Written later

Bread Financial reported fourth-quarter 2025 revenue of $975 million, up 5% from $926 million a year earlier, and net income available to common stockholders of $53 million, compared with $7 million in the same quarter of 2024. The company expects 2026 average loan growth and total revenue growth of up low single digits from 2025, and a 2026 net loss rate of 7.2% to 7.4%. Its board also declared a $0.23 quarterly common dividend payable March 16, 2026.

Key points

  • Q4 2025 revenue was $975 million, up 5% from $926 million in Q4 2024.
  • Q4 2025 net income available to common stockholders was $53 million, or $1.16 per diluted share, versus $7 million, or $0.14, a year earlier.
  • 2026 outlook: average loan growth and total revenue growth both up low single digits from 2025; net loss rate of 7.2% to 7.4%.
  • Quarterly common dividend of $0.23 per share payable March 16, 2026 to holders of record on February 27, 2026.

The filing

CompanyBread Financial Holdings (BFH)
Form8-K, current report
Filed with the SECJan 29, 2026, 6:46 AM ET
Accession number0001101215-26-000007

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 29, 2026.

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.