Bread Financial (NYSE: BFH) furnishes performance update press release for November 30, 2025 period

Rhea-AI Filing Summary

Bread Financial Holdings, Inc. filed a Form 8-K to announce that it issued a press release on December 10, 2025. The press release provides a performance update for the company as of and for the period ended November 30, 2025, giving investors more current operating information between regular quarterly reports.

The press release is included as Exhibit 99.1 to this report, while a cover page interactive data file is included as Exhibit 104. The company states that the information in this report, including the exhibit, is being furnished rather than filed, which limits how it is treated for certain securities law liability and incorporation-by-reference purposes.

false000110121500011012152025-12-102025-12-100001101215us-gaap:CommonStockMember2025-12-102025-12-100001101215us-gaap:SeriesAPreferredStockMember2025-12-102025-12-10

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):

December 10, 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

Depository Shares Each Representing a 1/40th Interest in a Share of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A

BFH PrA

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 December 10, 2025, Bread Financial Holdings, Inc. issued a press release providing a performance update as of and for the period ended November 30, 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 December 10, 2025 providing a performance update as of and for the period ended November 30, 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: December 10, 2025			By:			/s/ Joseph L. Motes III
						Joseph L. Motes III Executive Vice President, Chief Administrative Officer, General Counsel and Secretary

FAQ

What did Bread Financial Holdings, Inc. (BFH) disclose in this Form 8-K?

Bread Financial Holdings, Inc. disclosed that it issued a press release on December 10, 2025 providing a performance update as of and for the period ended November 30, 2025.

What is included as Exhibit 99.1 in Bread Financial (BFH)'s Form 8-K?

Exhibit 99.1 is a press release dated December 10, 2025 that provides a performance update for Bread Financial Holdings, Inc. as of and for the period ended November 30, 2025.

How is the information in this Bread Financial (BFH) Form 8-K treated under securities laws?

Bread Financial states that the information in this report, including Exhibit 99.1, is being furnished and not filed, which means it is not subject to Section 18 liability and is not incorporated into other filings unless specifically referenced.

Does this Bread Financial (BFH) Form 8-K include detailed financial results?

This Form 8-K itself only notes that a performance update press release was issued and attached as Exhibit 99.1; any detailed financial results would be contained in that exhibit, not in the body of the report.

What other exhibit accompanies the Bread Financial (BFH) Form 8-K?

In addition to the press release, the report includes Exhibit 104, which is the Cover Page Interactive Data File embedded within the Inline XBRL document.

Who signed the Bread Financial (BFH) Form 8-K?

The Form 8-K was signed on behalf of Bread Financial Holdings, Inc. by Joseph L. Motes III, who serves as Executive Vice President, Chief Administrative Officer, General Counsel and Secretary.