Bread Financial Holdings, INC. (BFH-PA) — SEC Filings

Overview

Bread Financial Holdings, INC. (BFH-PA) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Nov 25, 2025: On November 25, 2025, Bread Financial Holdings, Inc. filed an 8-K report detailing material modifications to the rights of security holders, amendments to its articles of incorporation or bylaws, and other events. The filing also includes financial statements and exhibits, indicating potential corpo

Sentiment Summary

Across 50 filings, the sentiment breakdown is: 1 bullish, 49 neutral. The dominant filing sentiment for Bread Financial Holdings, INC. is neutral.

Filing Type Overview

Bread Financial Holdings, INC. (BFH-PA) has filed 41 8-K, 6 10-Q, 1 DEFA14A, 1 10-K, 1 SC 13G/A with the SEC between May 2024 to Dec 2025.

Filings by Year

2025 · 2024

Recent Filings (50)

• 8-K Filing — 8-K · Dec 10, 2025
• Bread Financial Holdings Files 8-K on Corporate Changes — 8-K · Nov 25, 2025 Risk: medium
  On November 25, 2025, Bread Financial Holdings, Inc. filed an 8-K report detailing material modifications to the rights of security holders, amendments to its a
• 8-K Filing — 8-K · Nov 21, 2025
• Bread Financial Holdings, Inc. Files 8-K — 8-K · Nov 20, 2025 Risk: low
  On November 20, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits,"
• Bread Financial Holdings Files 8-K — 8-K · Nov 13, 2025 Risk: low
  Bread Financial Holdings, Inc. filed an 8-K on November 13, 2025, reporting on Regulation FD disclosures and financial statements. The filing confirms the compa
• 8-K Filing — 8-K · Nov 6, 2025
• Bread Financial Enters Material Agreement — 8-K · Oct 29, 2025 Risk: medium
  On October 28, 2025, Bread Financial Holdings, Inc. entered into a material definitive agreement. The company also reported other events on this date. Bread Fin
• Bread Financial's Q3 Net Income Soars on Lower Credit Losses — 10-Q · Oct 28, 2025 Risk: medium
  Bread Financial Holdings, Inc. (BFH) reported a net income of $188 million for the third quarter of 2025, a significant increase from $2 million in the prior ye
• Bread Financial Holdings Files 8-K on Financials — 8-K · Oct 23, 2025 Risk: low
  On October 23, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing indicates information related to the company's results of operations and fin
• Bread Financial Holdings Files 8-K — 8-K · Sep 9, 2025 Risk: low
  Bread Financial Holdings, Inc. filed an 8-K on September 9, 2025, to report on Regulation FD disclosures and financial statements/exhibits. The filing does not
• Bread Financial Holdings, Inc. Files 8-K Report — 8-K · Aug 27, 2025 Risk: low
  On August 27, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily serves as a notification of a current report and includes informati
• Bread Financial Holdings Files 8-K — 8-K · Aug 22, 2025 Risk: low
  On August 22, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits," in
• Bread Financial Holdings Files 8-K — 8-K · Aug 15, 2025 Risk: low
  On August 15, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns Regulation FD Disclosure and the submission of Financial S
• Bread Financial Holdings Files 8-K — 8-K · Aug 7, 2025 Risk: low
  On August 7, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns financial statements and exhibits, indicating potential upd
• Bread Financial's Q2 Equity Shifts Amidst Stable Capital — 10-Q · Jul 29, 2025 Risk: low
  Bread Financial Holdings, Inc. (BFH-PA) reported its Q2 2025 results, with the period ending June 30, 2025. The company's financial statements show changes in e
• Bread Financial Holdings Files 8-K — 8-K · Jul 24, 2025 Risk: low
  On July 24, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits," indi
• Bread Financial Holdings Files 8-K — 8-K · Jun 11, 2025 Risk: low
  Bread Financial Holdings, Inc. filed an 8-K on June 11, 2025, to report current information. The filing indicates no specific material events or disclosures bey
• Bread Financial Holdings Files 8-K — 8-K · Jun 5, 2025 Risk: low
  On June 5, 2025, Bread Financial Holdings, Inc. filed an 8-K report detailing other events and financial statements. The filing does not appear to contain speci
• Bread Financial Holdings Files 8-K — 8-K · May 21, 2025 Risk: low
  On May 21, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits," indic
• Bread Financial Holdings Files 8-K for Shareholder Vote & Financials — 8-K · May 14, 2025 Risk: low
  On May 13, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing indicates that the company is submitting matters to a vote of its security holde
• Bread Financial Holdings Files 8-K — 8-K · May 13, 2025 Risk: low
  On May 13, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns Regulation FD Disclosure and Financial Statements and Exhibit
• Bread Financial Holdings, Inc. Q1 2025 10-Q Filing — 10-Q · Apr 29, 2025 Risk: medium
  Bread Financial Holdings, Inc. filed its 10-Q for the period ending March 31, 2025. The filing details financial performance and operational updates for the fir
• Bread Financial Holdings Files 8-K on Financials — 8-K · Apr 24, 2025 Risk: low
  On April 24, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns the company's results of operations and financial condition
• Bread Financial Holdings Proxy Filing — DEFA14A · Apr 2, 2025 Risk: low
  Bread Financial Holdings, Inc. filed a Definitive Additional Materials proxy statement on April 2, 2025. This filing is related to the company's proxy materials
• Bread Financial Holdings Files 8-K — 8-K · Mar 17, 2025 Risk: low
  On March 17, 2025, Bread Financial Holdings, Inc. filed an 8-K report. This filing primarily serves as a notification of financial statements and exhibits, as w
• Bread Financial Holdings Enters Material Agreement — 8-K · Mar 10, 2025 Risk: medium
  On March 10, 2025, Bread Financial Holdings, Inc. filed an 8-K report detailing a material definitive agreement and the creation of a direct financial obligatio
• Bread Financial Holdings, Inc. Files 8-K with Material Agreement — 8-K · Mar 6, 2025 Risk: medium
  On March 5, 2025, Bread Financial Holdings, Inc. filed an 8-K report detailing a material definitive agreement. The filing also includes other events and financ
• Bread Financial Holdings Files 8-K — 8-K · Mar 5, 2025 Risk: low
  On March 5, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns financial statements and exhibits, along with other events a
• Bread Financial Files 2024 10-K — 10-K · Feb 14, 2025 Risk: medium
  Bread Financial Holdings, Inc. filed its 2024 10-K on February 14, 2025, reporting on its fiscal year ending December 31, 2024. The company, formerly Alliance D
• Bread Financial Holdings Files 8-K — 8-K · Feb 11, 2025 Risk: low
  On February 11, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily serves as a notification of the company's current status and incl
• Bread Financial Holdings Files 8-K on Financials — 8-K · Jan 30, 2025 Risk: low
  On January 30, 2025, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns the company's financial condition and results of operatio
• Bread Financial Holdings Files 8-K — 8-K · Dec 31, 2024 Risk: low
  On December 31, 2024, Bread Financial Holdings, Inc. filed an 8-K report. The filing indicates the company's fiscal year ends on December 31st. No specific fina
• Bread Financial Holdings Files 8-K — 8-K · Dec 11, 2024 Risk: low
  On December 11, 2024, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns Regulation FD Disclosure and Financial Statements and Ex
• Bread Financial Holdings Files 8-K — 8-K · Dec 2, 2024 Risk: low
  On December 2, 2024, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns Regulation FD Disclosure and Financial Statements and Exh
• Bread Financial Holdings Files 8-K — 8-K · Nov 14, 2024 Risk: low
  On November 14, 2024, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns Regulation FD disclosures and financial statements/exhib
• SC 13G/A Filing — SC 13G/A · Nov 14, 2024
• Bread Financial Holdings, Inc. Q3 2024 10-Q Filing — 10-Q · Oct 31, 2024 Risk: medium
  Bread Financial Holdings, Inc. filed its 10-Q for the period ending September 30, 2024. The filing details the company's financial performance and position, inc
• Bread Financial Holdings Reports Financial Results — 8-K · Oct 24, 2024 Risk: low
  On October 24, 2024, Bread Financial Holdings, Inc. (BFH) reported its financial results. The company's common stock is traded on the NYSE under the ticker BFH.
• Bread Financial Enters Material Definitive Agreement — 8-K · Oct 21, 2024 Risk: medium
  On October 18, 2024, Bread Financial Holdings, Inc. entered into a material definitive agreement, creating a direct financial obligation. The company, formerly
• Bread Financial Holdings Files 8-K — 8-K · Sep 16, 2024 Risk: low
  On September 16, 2024, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns Regulation FD Disclosure and Financial Statements and E
• Bread Financial Holdings Files 8-K — 8-K · Aug 15, 2024 Risk: low
  On August 15, 2024, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns Regulation FD Disclosure and the filing of Financial State
• Bread Financial Completes $600M Senior Notes Offering — 8-K · Aug 9, 2024 Risk: medium
  On August 9, 2024, Bread Financial Holdings, Inc. filed an 8-K to report the completion of its previously announced offering of senior unsecured notes. The offe
• Bread Financial Holdings, Inc. Q2 2024 10-Q Filing — 10-Q · Aug 1, 2024 Risk: medium
  Bread Financial Holdings, Inc. filed its 10-Q for the period ending June 30, 2024. The filing details financial performance and operational updates for the seco
• Bread Financial Moves Principal Executive Offices — 8-K · Jul 25, 2024 Risk: low
  On July 25, 2024, Bread Financial Holdings, Inc. filed an 8-K report detailing a material event. The filing indicates a change in the company's principal execut
• WFN Credit Co LLC Enters Material Agreement — 8-K · Jul 2, 2024 Risk: low
  On June 30, 2024, WFN Credit Co LLC, as servicer for World Financial Network Credit Card Master Trust, entered into a material definitive agreement. This 8-K fi
• Bread Financial Holdings, Inc. Files 8-K Report — 8-K · Jun 18, 2024 Risk: low
  On June 18, 2024, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns Regulation FD Disclosure and Financial Statements and Exhibi
• Bread Financial Holdings Files 8-K — 8-K · Jun 12, 2024 Risk: low
  On June 12, 2024, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns Regulation FD Disclosure and Financial Statements and Exhibi
• Bread Financial Board Changes and Officer Compensation — 8-K · Jun 11, 2024 Risk: medium
  On June 10, 2024, Bread Financial Holdings, Inc. announced changes to its Board of Directors, including the election of new directors and the departure of exist
• Bread Financial Holdings, Inc. Files 8-K — 8-K · May 15, 2024 Risk: low
  On May 15, 2024, Bread Financial Holdings, Inc. filed an 8-K report. The filing primarily concerns Regulation FD Disclosure and the submission of Financial Stat
• Bread Financial Holdings, Inc. Files 10-Q for Q1 2024 — 10-Q · May 2, 2024 Risk: medium
  BREAD FINANCIAL HOLDINGS, INC. (BFH-PA) filed a Quarterly Report (10-Q) with the SEC on May 2, 2024. Filing is a 10-Q for the period ending March 31, 2024. Comp

Risk Profile

Risk Assessment: Of BFH-PA's 46 recent filings, 0 were flagged as high-risk, 13 as medium-risk, and 33 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from Bread Financial Holdings, INC.'s most recent 10-Q filing (Oct 28, 2025):

• Revenue: $971M
• Net Income: $188M

Industry Context

Bread Financial Holdings operates in the competitive U.S. financial services sector, focusing on tech-forward payment, lending, and saving solutions. The industry is characterized by increasing digitalization, evolving consumer preferences for flexible payment options like 'buy now, pay later' (BNPL) and installment loans, and a strong emphasis on data analytics for credit risk management and personalization. Competition comes from traditional banks, fintech companies, and other specialized lenders.

Top Tags

sec-filing (9) · disclosure (9) · 8-K (8) · filing (8) · 8-k (7) · financials (6) · regulatory-filing (5) · financial-statements (5) · material-agreement (4) · 10-Q (4)

Key Numbers

• SEC File Number: 001-15749 — Identifies the company's filing with the SEC.
• IRS Employer Identification No.: 31-1429215 — Company's tax identification number.
• Net income for Q3 2025: $188M — Increased significantly from $2 million in Q3 2024
• Total net interest and non-interest income for Q3 2025: $971M — Down 1% from Q3 2024
• Provision for credit losses for Q3 2025: $299M — Decreased 19% from Q3 2024
• Total non-interest expenses for Q3 2025: $476M — Decreased 17% from Q3 2024
• Common Equity Tier 1 (CET1) capital ratio: 14.0% — Increased from 13.3% in Q3 2024
• Direct-to-consumer (DTC) deposits: $8.2B — Increased 9% year-over-year as of September 30, 2025
• Share repurchases in September 2025: $40M — Part of a $200 million board-authorized program
• Reserve rate as of September 30, 2025: 11.7% — Reflects improving credit metrics and higher-quality new account acquisitions
• Full year Net principal loss rate outlook for 2025: 7.8%-7.9% — Driven by consumer resiliency and disciplined credit management
• Full year effective tax rate outlook for 2025: 19%-20% — Due to larger discrete items realized in 2025
• Common Stock: $1M — Stable across Q2 2025 and Q2 2024
• Additional Paid-In Capital: $3.897B — Increased by $1 million from March 31, 2025
• Retained Earnings: $1.648B — Decreased by $1 million from March 31, 2025

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BFH

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