Welcome to our dedicated page for Bread Financial Holdings news (Ticker: BFH), a resource for investors and traders seeking the latest updates and insights on Bread Financial Holdings stock.
Bread Financial Holdings, Inc. reports developments across its U.S. consumer finance business, including private label and co-brand credit cards, pay-over-time products, general purpose credit cards and savings products. Company updates commonly cover partner card programs across retail and consumer categories, quarterly results, credit performance metrics such as net principal loss and delinquency rates, and earnings conference materials.
News also includes capital and shareholder actions, including dividends on common and preferred stock, share repurchase authorizations, and preferred stock or depositary share financing activity. Bread Financial’s recurring disclosures emphasize loan balances, credit quality, consumer payment activity, bank subsidiary funding considerations, and board-authorized capital returns.
Bread Financial (NYSE: BFH) launched an underwritten public offering of depositary shares, each representing a 1/40th interest in a share of its Non-Cumulative Perpetual Preferred Stock, Series A.
Each Depositary Share has a $25 liquidation preference (equivalent to $1,000 per Series A share). The company expects to apply to list the Depositary Shares on the New York Stock Exchange and intends to use net proceeds for general corporate purposes, which may include contributing or lending proceeds to subsidiary Comenity Capital Bank and share repurchases. Joint bookrunners are Wells Fargo Securities, J.P. Morgan, Morgan Stanley, and RBC Capital Markets. The offering is subject to market and other conditions and will be made under an effective Form S-3 with a prospectus supplement to be filed with the SEC.
Bread Financial (NYSE: BFH) provided an October 2025 performance update showing modest improvement in credit metrics versus October 2024. For the month ended October 31, 2025, end-of-period credit card and other loans were $17,694M (average $17,627M) versus $17,915M a year earlier. Net principal losses were $112M with a net loss rate of 7.5% versus 7.9% in October 2024. As of October 31, 2025, 30+ day delinquencies were $963M on period loans of $15,903M, a delinquency rate of 6.1% versus 6.4% a year prior.
The company noted a 2024 billing-cycle freeze in FEMA hurricane zones that modestly lowered 2024 net losses.
Bread Financial (NYSE: BFH) will participate in the KBW Fintech Payments Conference on Thursday, November 13, 2025. EVP and Chief Financial Officer Perry Beberman will appear in a fireside chat at 10:10 a.m. ET.
The session will be broadcast live and accessible via Bread Financial’s investor relations website, with a replay available for 90 days following the event.
Bread Financial (NYSE: BFH) priced a private offering of $500 million aggregate principal amount of 6.750% senior notes due 2031, sold at 100% of principal. Closing is expected on Nov 6, 2025, producing approximately $493 million net proceeds after discounts and estimated expenses.
The company intends to combine the net proceeds with about $275 million cash on hand to redeem in full its outstanding $719 million aggregate 9.750% senior notes due 2029, with a conditional redemption date of Nov 7, 2025 (including make-whole premium) subject to customary closing conditions and a gross-proceeds condition.
Bread Financial (NYSE: BFH) announced on October 28, 2025 its intent to privately offer $500 million aggregate principal amount of senior notes.
The company plans to use net proceeds from the offering together with approximately $275 million cash on hand to redeem in full its outstanding 9.750% Senior Notes due 2029 (approximately $719 million principal outstanding), including payment of any make‑whole premium.
The new Notes will be fully guaranteed by domestic subsidiaries and will be offered only to qualified institutional buyers (Rule 144A) or non‑U.S. persons under Regulation S. Consummation is subject to market and other conditions and is not guaranteed.
Bread Financial (NYSE: BFH) provided a September 30, 2025 performance update with portfolio and credit metrics for the month and quarter.
Key figures: end-of-period loans $17,655M, average loans $17,605M (month) and $17,596M (quarter), net principal losses $101M for September and $328M for the three months ended September 30, 2025. Reported net loss rate 6.9% for the month and 7.4% for the quarter. Delinquencies improved year-over-year with 30+ day delinquencies $963M and a delinquency rate 6.0% as of September 30, 2025 versus 6.4% a year earlier.
Raymour & Flanigan and Bread Financial (NYSE: BFH) announced a long-term agreement to launch a private label credit program, set to begin late this year. The program will provide qualified customers with flexible, integrated financing options across Raymour & Flanigan’s platforms to simplify purchases of furniture and mattresses.
Bread Financial will collaborate on data-driven insights to continually enhance the omnichannel customer experience. Both companies framed the program as improving accessibility and convenience for shoppers while reinforcing Raymour & Flanigan’s focus on customer service.
Bread Financial (NYSE: BFH) announced its third quarter 2025 financial results on October 23, 2025.
All earnings-related materials are available on the company’s investor relations website. Bread Financial President and CEO Ralph Andretta and CFO Perry Beberman will host a conference call at 8:30 a.m. ET on October 23, 2025 to discuss results; a link and a replay will be available on the investor relations website.
Bread Financial (NYSE: BFH) announced a quarterly cash dividend of $0.23 per share, a 10% increase from the prior quarterly dividend of $0.21 per share. The dividend is payable on December 12, 2025 to holders of record at the close of business on November 7, 2025.
The Board also approved a $200 million increase to its share repurchase authorization, raising available buyback capacity to $340 million (there is currently $140 million remaining under the prior authorization). The repurchase authorization has no expiration date and share repurchases remain subject to market conditions, legal and regulatory restrictions, and Board approvals.
Bread Financial (NYSE: BFH) will host a third quarter 2025 earnings conference call on Thursday, Oct. 23, 2025 at 8:30 a.m. ET to discuss Q3 2025 results.
Participants can register in advance and access the live webcast and accompanying slides via the company’s investor relations website. Analysts planning to ask questions should register ahead of the call. The webcast will be archived on the investor site after the event. Attendees are asked to visit the site at least 15 minutes before the call to register and install any required software.