Bread Financial (NYSE: BFH) details Q4 update and new dividends

Rhea-AI Filing Summary

Bread Financial Holdings, Inc. reported its fourth-quarter 2025 results by issuing a Q4 2025 earnings press release and financial supplement, and by posting an investor presentation for analysts and investors. These materials are provided as exhibits and on the company’s investor website.

The board also declared a quarterly cash dividend of $26.35 per share on its 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, equivalent to $0.65875 per depositary share, and a quarterly cash dividend of $0.23 per share on common stock. Both dividends are payable on March 16, 2026 to stockholders of record at the close of business on February 27, 2026.

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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):

January 29, 2026

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 2.02 Results of Operations and Financial Condition.

On January 29, 2026, Bread Financial Holdings, Inc. (the “Company”) issued a press release regarding its results of operations for the fourth quarter ended December 31, 2025 (the “Q4 2025 Earnings Release”). Copies of the Q4 2025 Earnings Release and the related financial supplement are furnished as Exhibit 99.1 and Exhibit 99.2 hereto, respectively.

Item 7.01 Regulation FD Disclosure.

In connection with the Q4 2025 Earnings Release, on January 29, 2026, the Company made available an investor presentation that may be used by the Company’s senior management during meetings and calls with analysts, investors and other market participants, a copy of which is furnished as Exhibit 99.3 hereto and is posted on the Company’s website at www.breadfinancial.com on the “Investors” page under “Events & Presentations.” Information on the Company’s website does not constitute a part of this Current Report on Form 8-K.

Item 8.01 Other Events.

On January 29, 2026, the Company issued a press release announcing that the Board of Directors of the Company has declared: (i) a quarterly cash dividend of $26.35 per share of its 8.625% Non-Cumulative Perpetual Preferred Stock, Series A (equivalent to $0.65875 per depositary share, each representing a 1/40th interest in a share of preferred stock), payable on March 16, 2026 to preferred stockholders of record at the close of business on February 27, 2026; and (ii) a quarterly cash dividend of $0.23 per share of common stock, payable on March 16, 2026 to common stockholders of record at the close of business on February 27, 2026. A copy of the press release announcing these dividends is attached as Exhibit 99.4 hereto.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.						Document Description
99.1						Press Release dated January 29, 2026 announcing the Company’s results of operations for the fourth quarter ended December 31, 2025.
99.2						Financial Supplement - Fourth Quarter 2025.
99.3						Investor Presentation dated January 29, 2026.
99.4						Press Release dated January 29, 2026 announcing the dividends on the Company’s preferred and common stock.
104						Cover Page Interactive Data File (embedded within the Inline XBRL document).

Note: Except for the information in Item 8.01 hereof (including Exhibit 99.4 hereto), the information contained in this report (including Exhibits 99.1, 99.2 and 99.3) 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: January 29, 2026			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 (BFH) disclose in its latest 8-K filing?

Bread Financial disclosed its fourth-quarter 2025 results via a press release, a detailed financial supplement, and an investor presentation. These materials are furnished as exhibits and the presentation is also available on the company’s investor relations website for analysts and shareholders.

What is the new common stock dividend declared by Bread Financial (BFH)?

The board declared a quarterly cash dividend of $0.23 per share of common stock. This dividend will be paid on March 16, 2026 to common stockholders of record at the close of business on February 27, 2026, as stated in the disclosure.

What dividend did Bread Financial (BFH) declare on its preferred stock?

Bread Financial’s board declared a quarterly cash dividend of $26.35 per share on its 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, equivalent to $0.65875 per depositary share, payable March 16, 2026 to preferred stockholders of record on February 27, 2026.

When are Bread Financial’s newly declared dividends payable and what is the record date?

Both the preferred and common stock quarterly cash dividends are payable on March 16, 2026. Stockholders must be on record at the close of business on February 27, 2026 to receive these dividend payments, according to the filing.

What Q4 2025 investor materials did Bread Financial (BFH) provide?

Bread Financial provided a Q4 2025 earnings press release, a related financial supplement for the fourth quarter 2025, and an investor presentation. The presentation may be used by senior management in discussions with analysts and investors and is posted on the company’s website.

Where can investors access Bread Financial’s Q4 2025 presentation and earnings details?

Investors can access the Q4 2025 investor presentation on Bread Financial’s website under the Investors section, Events & Presentations. The earnings press release and financial supplement are attached as Exhibits 99.1 and 99.2, respectively, to the recent disclosure.