Bread Financial (NYSE: BFH) furnishes August 31, 2025 performance update via 8-K filing

Rhea-AI Filing Summary

Bread Financial Holdings, Inc. filed a Form 8-K to share that it issued a press release on September 9, 2025. The release provides a performance update for the period ended August 31, 2025.

The press release is furnished as Exhibit 99.1 and is designated as Regulation FD disclosure, meaning it is intended to provide broad, fair public access to the performance information but is not treated as "filed" for liability purposes under the Exchange Act.

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SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported):

September 9, 2025

BREAD FINANCIAL HOLDINGS, INC.

(Exact Name of Registrant as Specified in Charter)

Delaware			001-15749			31-1429215
(State or Other Jurisdiction of Incorporation)			(Commission File Number)			(IRS Employer Identification No.)

3095 LOYALTY CIRCLE

COLUMBUS, Ohio 43219

(Address and Zip Code of Principal Executive Offices)

(614) 729-4000

(Registrant’s Telephone Number, including Area Code)

NOT APPLICABLE

(Former name or former address, if changed since last report)☐

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol

Name of each exchange on which registered

Common Stock, par value $0.01 per share

BFH

NYSE

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company   ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    [  ]

Item 7.01 Regulation FD Disclosure.

On September 9, 2025, Bread Financial Holdings, Inc. issued a press release providing a performance update as of and for the period ended August 31, 2025. A copy of this press release is attached hereto as Exhibit 99.1.

Item 9.01 Financial Statements and Exhibits.

(d)Exhibits

Exhibit No.						Document Description
99.1						Press release dated September 9, 2025 providing a performance update as of and for the period ended August 31, 2025.
104						Cover Page Interactive Data File (embedded within the Inline XBRL document).

The information contained in this report (including Exhibit 99.1) shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as expressly set forth by specific reference in such a filing.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			Bread Financial Holdings, Inc.
Date: September 9, 2025			By:			/s/ Joseph L. Motes III
						Joseph L. Motes III Executive Vice President, Chief Administrative Officer, General Counsel and Secretary

FAQ

What does Bread Financial Holdings (BFH) disclose in this 8-K filing?

Bread Financial Holdings discloses that it issued a press release on September 9, 2025, providing a performance update for the period ended August 31, 2025. The release is furnished under Regulation FD as Exhibit 99.1, rather than being formally filed.

What is Exhibit 99.1 in Bread Financial Holdings (BFH) September 2025 8-K?

Exhibit 99.1 is a press release dated September 9, 2025, from Bread Financial Holdings. It provides a performance update as of and for the period ended August 31, 2025, and is furnished with the Form 8-K under Regulation FD disclosure rules.

Why is the Bread Financial (BFH) performance press release labeled as Regulation FD disclosure?

The press release is labeled as Regulation FD disclosure so that performance information is broadly available to all investors at the same time. It is furnished, not filed, which limits certain Exchange Act Section 18 liability and affects how it is incorporated into other SEC filings.

What period does Bread Financial’s (BFH) September 9, 2025 press release cover?

The Bread Financial press release attached to the Form 8-K provides a performance update as of and for the period ended August 31, 2025. This clarifies that it includes information up to that date rather than a full calendar quarter or year.

Is the Bread Financial (BFH) performance update in the 8-K considered filed with the SEC?

No. The company states the information in the report, including Exhibit 99.1, is furnished and not deemed filed under Section 18 of the Exchange Act. It is also not automatically incorporated into Securities Act filings unless specifically referenced.