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.
Locating delinquency trends, partnership renewals, or charge-off data in Bread Financial Holdings’ disclosures can feel like decoding a mortgage contract. Even seasoned analysts spend hours scrolling the company’s 10-K and 10-Q just to verify credit loss allowances or new BNPL volumes. That’s why this page puts every Bread Financial SEC filings explained simply in one place, from the first spin-off document to the latest note on funding costs.
Our AI engine reads each submission the moment it hits EDGAR, delivering Bread Financial Form 4 insider transactions real-time and converting dense language into concise highlights you can act on. Want the newest Bread Financial quarterly earnings report 10-Q filing without combing through footnotes? Prefer a digestible view of the Bread Financial annual report 10-K simplified? We surface the metrics—net interest margin, receivables growth, allowance ratios—in seconds. Alerts also capture every Bread Financial 8-K material events explained, so sudden partnership exits or changes in funding lines never slip by.
Use the platform to:
- Track Bread Financial insider trading Form 4 transactions and spot buying or selling patterns by directors.
- Compare periods with Bread Financial earnings report filing analysis to gauge BNPL adoption and card charge-offs.
- Review the Bread Financial proxy statement executive compensation to understand how receivable growth targets shape bonus pools.
- Monitor Bread Financial executive stock transactions Form 4 before material announcements.
- Save hours by understanding Bread Financial SEC documents with AI summaries and keyword search.
Whether you’re modeling credit risk, evaluating funding liquidity, or simply confirming covenant language, our real-time updates, AI-powered summaries, and full historical archive make Bread Financial’s regulatory story clear.
Form 4 overview: Bread Financial Holdings, Inc. (BFH) filed a Form 4 disclosing that Director Roger H. Ballou received a grant of 2,802 restricted stock units (RSUs) on 16 June 2025. The RSUs will vest on 16 June 2026 and convert into common shares at that time.
Following the grant, Ballou’s total beneficial ownership is reported as 41,117 BFH common shares, held directly. The filing lists a detailed schedule of previously granted, still-unvested RSUs dating back to 2015, showing a long-standing equity alignment with the company.
No sales, option exercises, or derivative security transactions were reported. The grant represents a routine, board-approved equity award rather than an open-market purchase; therefore, it does not alter the public float, cash position, or operational outlook of Bread Financial. The transaction is unlikely to be financially material for investors given the company’s market capitalization, but it does signal continued insider equity participation.
Bread Financial Holdings, Inc. (BFH) – Form 4 filing
Director John J. Fawcett reported the grant of 2,802 restricted stock units (RSUs) on 16-Jun-2025 (Transaction Code A). The RSUs represent shares of BFH common stock that will vest on 16-Jun-2026. No cash price was paid for the grant, indicating it is part of the company’s equity-based compensation program.
Following the award, Fawcett’s total beneficial ownership increased to 9,275 shares, consisting of:
- 3,000 unrestricted shares
- 3,473 unvested RSUs granted 17-Jun-2024
- 2,802 newly granted RSUs
The filing was signed by attorney-in-fact Benjamin L. Morgan on 18-Jun-2025. No open-market transactions, sales, or derivative exercises were reported, and there is no indication of a 10b5-1 trading plan.
JPMorgan Chase & Co. is issuing $3 million of Series E medium-term Callable Fixed Rate Notes due June 21 2030. The notes pay a fixed coupon of 4.70% per annum, calculated on a 30/360 basis, with interest paid annually on June 23 from 2026-2029 and at maturity. Beginning June 23 2027 and every June 23 and December 23 thereafter through December 23 2029, the issuer may, at its sole discretion, redeem the notes in whole at par plus accrued interest. Minimum denominations are $1,000.
Issue proceeds are $2.979 million net of $21,000 in selling commissions ($7 per $1,000 note). The notes are senior unsecured, unsubordinated obligations and form part of the issuer’s loss-absorbing capacity under Federal Reserve TLAC rules, meaning holders could incur losses ahead of senior operating-company creditors in a resolution scenario.
Key investor considerations:
- Preservation of principal if held to maturity or call date, subject to JPMorgan credit risk.
- Call risk: early redemption would cap upside and expose investors to reinvestment risk if rates fall.
- Liquidity: no exchange listing; secondary trading, if any, will be through JPMS and likely at a discount to par.
- Credit exposure: note value sensitive to JPMorgan credit spreads and ratings.
- Tax treatment: expected to be fixed-rate debt instruments; investors should review the detailed Davis Polk opinion and IRS considerations.
The product is intended for income-oriented investors who can tolerate call and liquidity risks and who accept unsecured exposure to JPMorgan over a five-year horizon.
Bread Financial Holdings director Praniti Lakhwara received a new grant of 2,802 restricted stock units (RSUs) on June 16, 2025. These RSUs will vest in full on June 16, 2026.
Following this transaction, Lakhwara beneficially owns a total of 5,622 RSUs, consisting of:
- 2,820 unvested RSUs from previous grant dated July 15, 2024
- 2,802 newly granted RSUs
The Form 4 filing was submitted by Benjamin L. Morgan as attorney-in-fact on June 18, 2025. All securities are held directly by the reporting person, who serves as a director of the company. This equity grant appears to be part of the company's director compensation program.
Bread Financial Holdings (BFH) director Rajesh Natarajan received a new grant of 2,802 restricted stock units (RSUs) on June 16, 2025. These RSUs will vest on June 16, 2026.
Following this transaction, Natarajan beneficially owns a total of 19,804 RSUs, consisting of multiple grants from 2020-2025:
- 3,432 RSUs from June 2020
- 2,515 RSUs from 2021 (across multiple grants)
- 2,650 RSUs from June 2022
- 4,932 RSUs from June 2023
- 3,473 RSUs from June 2024
- 2,802 RSUs from June 2025 (new grant)
All securities are held directly by the reporting person. The Form 4 was filed by Benjamin L. Morgan as attorney-in-fact on June 18, 2025.
Form 4 filing overview: On 18 June 2025, Bread Financial Holdings, Inc. (ticker BFH) reported that director Joyce St Clair received an equity award consisting of 2,802 restricted stock units (RSUs) on 16 June 2025 (transaction code A). The RSUs will vest on 16 June 2026. No cash price was paid because RSUs represent contingent rights to shares rather than open-market purchases.
Following the grant, St Clair’s total beneficial ownership increased to 9,669 common shares, held directly. The total comprises (a) 3,394 unvested RSUs granted 15 Aug 2023, (b) 3,473 unvested RSUs granted 17 Jun 2024, and (c) the newly granted 2,802 RSUs disclosed in this filing.
The filing does not disclose any dispositions, sales, or derivative transactions. It is a routine director equity grant and does not include financial performance metrics or earnings data.
Bread Financial Holdings, Inc. (BFH) filed a Form 4 disclosing that director Timothy J. Theriault acquired 2,802 shares of common stock in the form of restricted stock units (RSUs) on 06/16/2025. The transaction code “A” confirms the award was a grant, not an open-market purchase or sale. The RSUs will vest on 06/16/2026, indicating a one-year service requirement.
Following this grant, Theriault’s total beneficial ownership increased to 25,746 shares/units, consisting of 4,000 unrestricted shares and 21,746 unvested RSUs from awards granted between 2016 and 2025. Ownership is reported as direct.
The size of the award is modest relative to BFH’s outstanding share count and therefore immaterial to share dilution. However, continued equity awards to a non-executive director reinforce governance practices that align board incentives with shareholder interests. No derivatives, sales, or other disposition transactions were reported.
Bread Financial Holdings (BFH) director Laurie Anne Tucker received a new grant of 2,802 restricted stock units (RSUs) on June 16, 2025. These RSUs will vest on June 16, 2026.
Following this transaction, Tucker beneficially owns a total of 33,821 shares, consisting of:
- 4,000 unrestricted common shares
- 27,019 unvested RSUs from multiple grants between 2015-2024
- 2,802 newly granted RSUs
The filing, submitted by attorney-in-fact Benjamin L. Morgan on June 18, 2025, represents a standard equity compensation grant for board service. The diverse vesting schedule of Tucker's RSU holdings indicates consistent long-term board participation and alignment with shareholder interests.
Bread Financial Holdings (BFH) Director Sharen J. Turney received a new grant of 2,802 restricted stock units (RSUs) on June 16, 2025. The RSUs will vest on June 16, 2026.
Following this transaction, Turney's total beneficial ownership stands at 21,536 shares, consisting of:
- 1,725 unrestricted shares
- 19,811 unvested RSUs from multiple grants between 2019-2025, including the new grant
The Form 4 filing indicates this is a standard director compensation grant. The transaction was reported within the required two-business-day filing deadline. The filing was executed by Benjamin L. Morgan as Attorney in Fact on June 18, 2025.
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