Bread Financial (NYSE: BFH) shares July 31, 2025 performance update

Rhea-AI Filing Summary

Bread Financial Holdings, Inc. filed a current report to let investors know it has released a new performance update. On August 15, 2025, the company issued a press release covering its operating performance as of and for the period ended July 31, 2025. The press release is included as Exhibit 99.1 to this report, giving stakeholders a consolidated source for the latest monthly performance information.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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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):

August 15, 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 August 15, 2025, Bread Financial Holdings, Inc. issued a press release providing a performance update as of and for the period ended July 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 August 15, 2025 providing a performance update as of and for the period ended July 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: August 15, 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) report in this 8-K filing?

Bread Financial Holdings, Inc. reported that it issued a press release on August 15, 2025 providing a performance update as of and for the period ended July 31, 2025, which is attached as Exhibit 99.1.

What is included as Exhibit 99.1 in Bread Financial (BFH)'s latest filing?

Exhibit 99.1 is a press release dated August 15, 2025 that provides a performance update for Bread Financial Holdings, Inc. as of and for the period ended July 31, 2025.

Is the Bread Financial (BFH) performance update press release considered filed with the SEC?

The company states that the information in this report, including Exhibit 99.1, is not deemed "filed" under Section 18 of the Securities Exchange Act of 1934 and is not subject to the liabilities of that section, unless specifically incorporated by reference elsewhere.

Which SEC item does Bread Financial (BFH) use for this performance update disclosure?

Bread Financial Holdings, Inc. uses Item 7.01, Regulation FD Disclosure, to report that it has issued a performance update press release for the period ended July 31, 2025.

Who signed the Bread Financial (BFH) report related to the July 31, 2025 performance update?

The report 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.