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 disclosure shows Vanguard Capital Management beneficially owns 2,205,722 shares of common stock, equal to 5.11% of the class as reported for the period ending 03/31/2026. The Schedule 13G is signed on 04/29/2026 by a Vanguard representative.
Bread Financial Holdings Inc: Vanguard Portfolio Management reports beneficial ownership of 2,793,984 shares of Common Stock, representing 6.48% of the class as of 03/31/2026. Vanguard reports sole dispositive power over 2,793,984 shares and sole voting power for 37,648 shares.
The filing states these holdings include securities held for Vanguard funds and managed accounts over which Vanguard Portfolio Management LLC or affiliated business divisions exercise dispositive or voting power.
BREAD FINANCIAL HOLDINGS, INC. director Roger H. Ballou sold 9,687 shares of Common Stock in an open-market transaction at $90.32 per share. After this sale, he directly owns 30,079 shares of the company’s stock.
A footnote explains that his total beneficial ownership also includes 11,626 unrestricted shares and multiple blocks of unvested restricted stock units, such as 699 units granted on 6/27/16 and additional unvested units from annual grants through 6/16/25.
Bread Financial Holdings reported stronger results for the first quarter of 2026, with net income rising to $181 million from $138 million a year earlier and diluted EPS increasing to $4.15 from $2.78. Total net interest and non-interest income grew 5% to $1.02 billion as credit sales increased 7% to $6.5 billion and average credit card and other loans edged up to $18.3 billion.
Net interest margin expanded to 19.25% from 18.06% as loan yields benefited from prior pricing actions and lower funding costs, while non-interest income declined $13 million due to higher brand partner share arrangements. The provision for credit losses rose slightly to $303 million, but the net principal loss rate improved to 7.33% from 8.16%, and the reserve rate fell to 11.46% from 12.19%, reflecting better credit performance.
The company continued to return capital, repurchasing $150 million of common stock and retiring another 1.5 million shares via capped call terminations, while also buying back $50 million of subordinated notes. Common equity tier 1 capital ratio improved to 13.3%, tangible book value per share increased 26% year-over-year to $61.57, and direct-to-consumer deposits grew 10% to $8.7 billion. Management reaffirmed its 2026 outlook for low single-digit loan and revenue growth, higher full-year net interest margin, positive operating leverage excluding debt repurchase impacts, and a full-year net principal loss rate of 7.2% to 7.4%.
BFH submitted a Form 144 notice indicating an affiliate plans to sell restricted common stock through a broker on the NYSE. The filing lists a broker, Fidelity Brokerage Services LLC, and multiple tranches of restricted stock tied to prior vesting dates with specified share counts.
Bread Financial Holdings, Inc. provided a performance update for its credit card and other loan portfolio as of March 31, 2026, including monthly and quarterly figures. End-of-period credit card and other loans were $18.1 billion, with average balances up modestly year over year.
Net principal losses were $111 million for March and $331 million for the quarter, corresponding to net principal loss rates of 7.23% and 7.33%. The 30+ day delinquency rate was 5.59% on principal of $16.1 billion, compared with 5.93% on $16.4 billion a year earlier, indicating slightly lower delinquency levels.
Bread Financial Holdings, Inc. provided a performance update for its credit card and other loan portfolio as of March 31, 2026, including monthly and quarterly figures. End-of-period credit card and other loans were $18.1 billion, with average balances up modestly year over year.
Net principal losses were $111 million for March and $331 million for the quarter, corresponding to net principal loss rates of 7.23% and 7.33%. The 30+ day delinquency rate was 5.59% on principal of $16.1 billion, compared with 5.93% on $16.4 billion a year earlier, indicating slightly lower delinquency levels.
Bread Financial Holdings, Inc. provided a performance update for its credit card and other loan portfolio as of March 31, 2026, including monthly and quarterly figures. End-of-period credit card and other loans were $18.1 billion, with average balances up modestly year over year.
Net principal losses were $111 million for March and $331 million for the quarter, corresponding to net principal loss rates of 7.23% and 7.33%. The 30+ day delinquency rate was 5.59% on principal of $16.1 billion, compared with 5.93% on $16.4 billion a year earlier, indicating slightly lower delinquency levels.
Bread Financial Holdings reported stronger first quarter 2026 results with higher earnings, loan growth and continued capital returns. Net income was $181 million, up 32% year-over-year, and revenue rose 5% to $1.018 billion. Diluted EPS increased to $4.15 from $2.78.
Credit sales reached $6.5 billion, up 7%, while average loans were $18.3 billion, up 1%. Credit quality improved, with the net loss rate declining to 7.33% and the delinquency rate to 5.59%. Tangible book value per common share grew 26% to $61.57, and the common equity tier 1 capital ratio rose to 13.3%.
The company retired a total of 3.5 million common shares during the quarter and increased its common stock repurchase authorization by $600 million to $690 million. Direct-to-consumer deposits were $8.7 billion, up 10% year-over-year. The Board declared a quarterly cash dividend of $21.56 per preferred share (or $0.539 per depositary share) and $0.23 per common share, both payable on June 15, 2026 to stockholders of record on May 29, 2026.
Bread Financial Holdings reported stronger first quarter 2026 results with higher earnings, loan growth and continued capital returns. Net income was $181 million, up 32% year-over-year, and revenue rose 5% to $1.018 billion. Diluted EPS increased to $4.15 from $2.78.
Credit sales reached $6.5 billion, up 7%, while average loans were $18.3 billion, up 1%. Credit quality improved, with the net loss rate declining to 7.33% and the delinquency rate to 5.59%. Tangible book value per common share grew 26% to $61.57, and the common equity tier 1 capital ratio rose to 13.3%.
The company retired a total of 3.5 million common shares during the quarter and increased its common stock repurchase authorization by $600 million to $690 million. Direct-to-consumer deposits were $8.7 billion, up 10% year-over-year. The Board declared a quarterly cash dividend of $21.56 per preferred share (or $0.539 per depositary share) and $0.23 per common share, both payable on June 15, 2026 to stockholders of record on May 29, 2026.
Bread Financial Holdings reported stronger first quarter 2026 results with higher earnings, loan growth and continued capital returns. Net income was $181 million, up 32% year-over-year, and revenue rose 5% to $1.018 billion. Diluted EPS increased to $4.15 from $2.78.
Credit sales reached $6.5 billion, up 7%, while average loans were $18.3 billion, up 1%. Credit quality improved, with the net loss rate declining to 7.33% and the delinquency rate to 5.59%. Tangible book value per common share grew 26% to $61.57, and the common equity tier 1 capital ratio rose to 13.3%.
The company retired a total of 3.5 million common shares during the quarter and increased its common stock repurchase authorization by $600 million to $690 million. Direct-to-consumer deposits were $8.7 billion, up 10% year-over-year. The Board declared a quarterly cash dividend of $21.56 per preferred share (or $0.539 per depositary share) and $0.23 per common share, both payable on June 15, 2026 to stockholders of record on May 29, 2026.
Gerspach John C reported acquisition or exercise transactions in this Form 4 filing.
Bread Financial Holdings director John C. Gerspach received an equity grant of 483 shares of common stock in the form of restricted stock units. These units will vest on April 15, 2027, reflecting compensation rather than an open-market purchase. Following the grant, he beneficially owns 47,206 common shares directly and 6,000 shares indirectly through the Gerspach 2020 GST Exempt Trust, for which his spouse serves as trustee.
Bread Financial Holdings Inc ownership update: Dimensional Fund Advisors reports beneficial ownership of 3,086,060 shares, representing 7.2% of common stock.
Dimensional states these shares are owned by multiple managed Funds for which it provides investment advisory services and disclaims beneficial ownership; voting and dispositive powers are held in advisory capacity per the filing.