Welcome to our dedicated page for Bread Financial Holdings SEC filings (Ticker: BFH), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Bread Financial Holdings, Inc. (NYSE: BFH) SEC filings page brings together the company’s regulatory disclosures from the U.S. Securities and Exchange Commission, including current reports on Form 8-K and other key documents. As a tech-forward financial services company focused on payment, lending and saving solutions for U.S. consumers, Bread Financial uses these filings to report material events, financing transactions and performance updates.
Recent 8-K filings describe performance updates for specific periods, where the company furnishes tables showing end-of-period credit card and other loans, average loan balances, net principal losses, net loss rates, delinquency levels and related metrics. These disclosures help readers understand Bread Financial’s exposure to U.S. consumer credit and the credit performance of its loan portfolio.
Other 8-Ks detail capital structure changes and financing activities, such as the issuance and pricing of 6.750% Senior Notes due 2031, the creation of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, and the sale of related depositary shares. Filings explain how these notes and preferred shares rank in the capital structure, outline key terms and covenants, and describe intended uses of proceeds, which may include general corporate purposes, support for subsidiary banks and share repurchases.
Some filings also cover board actions related to dividends on common stock and changes to share repurchase authorizations, as well as amendments to the company’s certificate of incorporation through a certificate of designations for the Series A Preferred Stock. Together, these documents provide a detailed view of Bread Financial’s financial obligations, capital management and governance decisions.
On Stock Titan, AI-powered tools can assist in summarizing lengthy BFH filings, highlighting important sections on credit performance, new debt or preferred issuances, dividend and buyback actions and significant contractual agreements. Real-time updates from EDGAR, combined with AI summaries, make it easier to navigate Bread Financial’s 10-K, 10-Q, 8-K and other filings, and to review insider-related information reported on forms such as Form 4 when available.
Bread Financial Holdings, Inc. provided a performance update for February 2026, focusing on credit card and other loan trends. For the month ended February 28, 2026, end-of-period credit card and other loans were
Credit quality metrics improved versus February 2025. Net principal losses were
Bread Financial Holdings executive Perry S. Beberman filed an amended insider trading report to correct prior data on a tax-related share disposition. The Form 4/A clarifies that 22,516 shares of common stock were withheld on February 17, 2026 to cover tax obligations when restricted stock units vested.
After this correction, Beberman is shown as beneficially owning 142,061 shares of Bread Financial common stock directly. The amendment states that only the number of shares withheld for taxes and the resulting ownership total were changed, and that all other information from the original Form 4 remains the same. This reflects an administrative correction rather than a new open-market trade.
Bread Financial Holdings executive Allegra S. Driscoll filed an amended insider trading report to correct a prior tax-withholding entry. The Form 4/A clarifies that 1,752 shares of common stock were withheld on February 18, 2026 to cover taxes upon vesting of restricted stock units at $73.74 per share. After this correction, Driscoll is shown as beneficially owning 60,780 common shares. The amendment states that the original Form 4 had overreported the number of shares withheld and that no other information from that earlier filing is changed.
Bread Financial Holdings, Inc. disclosed that its Board of Directors approved a $600 million increase to the company’s existing share repurchase authorization. The company had $165 million of remaining capacity before this change, bringing the current total share repurchase authorization to $765 million.
The authorization has no expiration date and allows, but does not require, Bread Financial to repurchase its common stock, subject to market conditions, legal and regulatory requirements, and other factors. The Board may suspend or terminate the repurchase plan at any time, so actual repurchases will depend on future decisions.
BREAD FINANCIAL HOLDINGS, INC. director Roger H. Ballou reported a charitable stock gift. On February 19, 2026, he transferred 1,351 shares of common stock as a bona fide gift for charitable purposes at a stated price of $0.00 per share. After this disposition, he directly owns 39,766 common shares. This was a gift transfer rather than an open-market sale.
Campbell Jonathan Bryan reported acquisition or exercise transactions in this Form 4 filing.
Bread Financial Holdings reported that SVP and Chief Accounting Officer Jonathan Bryan Campbell received a grant of 1,728 shares of common stock in the form of performance-based restricted stock units. These RSUs may be adjusted based on performance over a three-year period and may vest on 2/17/29 if predetermined performance measures are met and he remains employed, subject to limited exceptions. After this grant, he directly holds 38,877 common shares. The filing is an amendment to add a previously omitted transaction.
Bread Financial Holdings, Inc. President and CEO Ralph J. Andretta reported multiple equity transactions in company common stock. He received stock-based compensation awards of 42,122 time-based restricted stock units, 63,183 performance-based RSUs, and an additional 19,123 performance-based units earned under a prior grant. The time-based RSUs vest in three annual installments through 2029, while the performance-based RSUs may vest in 2029 if preset performance goals are met and employment continues. Shares totaling 56,858 and 5,326 were withheld by the company at prices of $73.05 and $73.74 per share to satisfy tax obligations on RSU vesting. Following these transactions, Andretta directly holds 597,241 common shares.
BREAD FINANCIAL HOLDINGS, INC.February 17, 2026, he acquired 8,004 time-based RSUs and 12,005 performance-based RSUs, with vesting tied to multi-year service and performance conditions. A prior performance award granted in 2023 exceeded its targets, adding 4,262 units for a total of 23,719 units. On February 17 and 18, 2026, a total of 18,388 shares were disposed of through tax-withholding transactions upon RSU vesting, leaving him with 129,617 shares of common stock held directly.
Bread Financial Holdings executive Valerie E. Greer, EVP and Chief Commercial Officer, reported a mix of equity awards and tax-related share dispositions in company common stock. On February 17, 2026, she received several stock grants, including 9,478 time-based RSUs and 14,217 performance-based RSUs, plus an additional 5,543 performance-based units earned from a prior award. On February 17 and 18, 2026, the company withheld 23,834 and 2,003 shares, respectively, to cover tax obligations upon RSU vesting. After these transactions, she held 155,352 shares directly.
Bread Financial Holdings EVP and CFO Perry S. Beberman reported equity compensation changes and related tax-share dispositions. On February 17, 2026, he was granted 10,531 time-based RSUs, scheduled to vest in three annual installments from 2027 to 2029, and 15,796 performance-based RSUs that may vest in 2029 depending on three-year performance goals and continued employment. An additional 5,543 performance-based RSUs were earned based on return-on-equity results for 2023–2025. To cover tax obligations upon RSU vesting, the company withheld 43,007 shares on February 17 and 2,014 shares on February 18 at prices in the mid‑$70s per share. After these transactions, Beberman directly owned 121,570 shares of common stock.