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[8-K] BREAD FINANCIAL HOLDINGS, INC. Reports Material Event

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8-K

Bread Financial Holdings, Inc. (BFH) furnished a Regulation FD disclosure via Form 8-K, noting it issued a press release providing a performance update as of and for the period ended September 30, 2025. The press release is attached as Exhibit 99.1.

The company stated the information in this report, including Exhibit 99.1, is furnished and not filed, is not subject to Section 18 liabilities, and is not incorporated by reference into Securities Act filings except as expressly set forth by specific reference.

Bread Financial Holdings, Inc. (BFH) ha fornito una divulgazione Regulation FD tramite Form 8-K, segnalando di aver emesso un comunicato stampa che fornisce un aggiornamento sulle prestazioni al periodo terminato il 30 settembre 2025. Il comunicato stampa è allegato come Exhibit 99.1.

L'azienda ha dichiarato che le informazioni in questo rapporto, inclusa Exhibit 99.1, sono fornite e non depositate, non è soggetta a responsabilità ai sensi della Sezione 18 e non è incorporata per riferimento nelle registrazioni ai sensi del Securities Act, salvo espressamente indicato da riferimenti specifici.

Bread Financial Holdings, Inc. (BFH) proporcionó una divulgación Regulation FD mediante Formulario 8-K, señalando que emitió un comunicado de prensa que ofrece una actualización de desempeño correspondiente al periodo terminado el 30 de septiembre de 2025. El comunicado de prensa está adjunto como Exhibit 99.1.

La empresa declaró que la información de este informe, incluida la Exhibición 99.1, se proporciona y no se presenta para su presentación, no está sujeta a responsabilidades de la Sección 18 y no está incorporada por referencia en presentaciones bajo la Securities Act, excepto como se establezca expresamente por referencia específica.

Bread Financial Holdings, Inc. (BFH)는 Regulation FD 공시를 Form 8-K를 통해 제공했으며, 2025년 9월 30일 종료 기간에 대한 성과 업데이트를 담은 보도자료를 발행했다고 밝혔습니다. 보도자료는 Exhibit 99.1로 첨부되어 있습니다.

회사는 이 보고서의 정보(제시된 Exhibit 99.1 포함)가 제공되었으며 파일에 기재되지 않았다고 명시하며, 이는 제18조 책임의 대상이 아니고 특정 참조를 통해 명시적으로 규정된 경우를 제외하고는 증권법 제출서류에 참조로 포함되지 않는다고 밝혔습니다.

Bread Financial Holdings, Inc. (BFH) a fourni une divulgation Regulation FD via le formulaire 8-K, indiquant qu'il a publié un communiqué de presse fournissant une mise à jour des performances pour la période se terminant le 30 septembre 2025. Le communiqué de presse est annexé en tant qu'Exhibit 99.1.

La société a déclaré que les informations contenues dans ce rapport, y compris l'Exhibit 99.1, sont fournies et non déposées, ne relèvent pas des responsabilités de la Section 18 et ne sont pas incorporées par référence dans les dépôts en vertu du Securities Act, sauf indication expresse par référence spécifique.

Bread Financial Holdings, Inc. (BFH) hat eine Regulation FD-Mitteilung über Form 8-K bereitgestellt und mitgeteilt, dass ein Pressemitteilungs zur Leistungsentwicklung bis zum Zeitraum zum 30. September 2025 veröffentlicht wurde. Die Pressemitteilung ist als Exhibit 99.1 beigefügt.

Das Unternehmen erklärte, dass die Informationen in diesem Bericht, einschließlich Exhibit 99.1, bereitgestellt, aber nicht eingereicht wurden, nicht der Haftung nach Abschnitt 18 unterliegen und nicht durch Bezugnahme in Securities Act-Einreichungen aufgenommen werden, außer wie ausdrücklich durch einen spezifischen Verweis festgelegt.

Bread Financial Holdings, Inc. (BFH) قد وفرت كشفاً بموجب Regulation FD عبر النموذج 8-K، مشيرة إلى أنها أصدرت بياناً صحفياً يوفر تحديثاً للأداء حتى الفترة المنتهية في 30 سبتمبر 2025. البيان الصحفي مرفق كـ Exhibit 99.1.

وقالت الشركة إن المعلومات الواردة في هذا التقرير، بما في ذلك Exhibit 99.1، مقدمة وليست مقدّمة للإيداع، وأنها ليست خاضعة لمسؤوليات القسم 18 وليست مدمجة بالرجوع إلى ملفات Securities Act، باستثناء ما ينص عليه صراحةً بالإشارة المحددة.

Bread Financial Holdings, Inc. (BFH) 通过 Form 8-K 提供了 Regulation FD 披露,指出其已发布一份新闻稿,提供截至 2025 年 9 月 30 日及至该期间的业绩更新。新闻稿附在 Exhibit 99.1 中。

公司声明,本报告中的信息(包括 Exhibit 99.1)是 提供而非提交,不受第18条责任的约束,除非通过具体引用明确规定,否则不通过证券法备案的文件被引用纳入。

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Bread Financial Holdings, Inc. (BFH) ha fornito una divulgazione Regulation FD tramite Form 8-K, segnalando di aver emesso un comunicato stampa che fornisce un aggiornamento sulle prestazioni al periodo terminato il 30 settembre 2025. Il comunicato stampa è allegato come Exhibit 99.1.

L'azienda ha dichiarato che le informazioni in questo rapporto, inclusa Exhibit 99.1, sono fornite e non depositate, non è soggetta a responsabilità ai sensi della Sezione 18 e non è incorporata per riferimento nelle registrazioni ai sensi del Securities Act, salvo espressamente indicato da riferimenti specifici.

Bread Financial Holdings, Inc. (BFH) proporcionó una divulgación Regulation FD mediante Formulario 8-K, señalando que emitió un comunicado de prensa que ofrece una actualización de desempeño correspondiente al periodo terminado el 30 de septiembre de 2025. El comunicado de prensa está adjunto como Exhibit 99.1.

La empresa declaró que la información de este informe, incluida la Exhibición 99.1, se proporciona y no se presenta para su presentación, no está sujeta a responsabilidades de la Sección 18 y no está incorporada por referencia en presentaciones bajo la Securities Act, excepto como se establezca expresamente por referencia específica.

Bread Financial Holdings, Inc. (BFH)는 Regulation FD 공시를 Form 8-K를 통해 제공했으며, 2025년 9월 30일 종료 기간에 대한 성과 업데이트를 담은 보도자료를 발행했다고 밝혔습니다. 보도자료는 Exhibit 99.1로 첨부되어 있습니다.

회사는 이 보고서의 정보(제시된 Exhibit 99.1 포함)가 제공되었으며 파일에 기재되지 않았다고 명시하며, 이는 제18조 책임의 대상이 아니고 특정 참조를 통해 명시적으로 규정된 경우를 제외하고는 증권법 제출서류에 참조로 포함되지 않는다고 밝혔습니다.

Bread Financial Holdings, Inc. (BFH) a fourni une divulgation Regulation FD via le formulaire 8-K, indiquant qu'il a publié un communiqué de presse fournissant une mise à jour des performances pour la période se terminant le 30 septembre 2025. Le communiqué de presse est annexé en tant qu'Exhibit 99.1.

La société a déclaré que les informations contenues dans ce rapport, y compris l'Exhibit 99.1, sont fournies et non déposées, ne relèvent pas des responsabilités de la Section 18 et ne sont pas incorporées par référence dans les dépôts en vertu du Securities Act, sauf indication expresse par référence spécifique.

Bread Financial Holdings, Inc. (BFH) hat eine Regulation FD-Mitteilung über Form 8-K bereitgestellt und mitgeteilt, dass ein Pressemitteilungs zur Leistungsentwicklung bis zum Zeitraum zum 30. September 2025 veröffentlicht wurde. Die Pressemitteilung ist als Exhibit 99.1 beigefügt.

Das Unternehmen erklärte, dass die Informationen in diesem Bericht, einschließlich Exhibit 99.1, bereitgestellt, aber nicht eingereicht wurden, nicht der Haftung nach Abschnitt 18 unterliegen und nicht durch Bezugnahme in Securities Act-Einreichungen aufgenommen werden, außer wie ausdrücklich durch einen spezifischen Verweis festgelegt.

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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):
October 23, 2025
Image_0.jpg
BREAD FINANCIAL HOLDINGS, INC.
(Exact Name of Registrant as Specified in Charter)
Delaware001-1574931-1429215
(State or Other Jurisdiction
of Incorporation)
(Commission
File Number)
(IRS Employer
Identification No.)
3095 LOYALTY CIRCLE
COLUMBUSOhio 43219
(Address and Zip Code of Principal Executive Offices)
(614729-4000
(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 classTrading symbolName of each exchange on which registered
Common Stock, par value $0.01 per shareBFHNYSE
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 October 23, 2025, Bread Financial Holdings, Inc. issued a press release providing a performance update as of and for the period ended September 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 October 23, 2025 providing a performance update as of and for the period ended September 30, 2025.
104Cover 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: October 23, 2025
By:/s/ Joseph L. Motes III
Joseph L. Motes III
Executive Vice President, Chief
Administrative Officer, General
Counsel and Secretary

FAQ

What did BFH disclose in its latest Form 8-K?

BFH furnished a Regulation FD disclosure stating it issued a press release with a performance update for the period ended September 30, 2025.

Which exhibit contains the BFH press release?

The press release is attached as Exhibit 99.1.

Under which item was the information provided?

The disclosure was furnished under Item 7.01 (Regulation FD Disclosure).

Is the information in the 8-K considered filed for liability purposes?

No. The information, including Exhibit 99.1, is furnished, not filed, and is not subject to Section 18 liabilities.

Does the 8-K incorporate the press release into other filings?

It is not incorporated by reference into other filings, except if expressly set forth by specific reference.

What period does the performance update cover for BFH (NYSE: BFH)?

It covers results as of and for the period ended September 30, 2025.

Where is BFH listed and what is its trading symbol?

BFH’s common stock trades on the NYSE under the symbol BFH.
Bread Financial Holdings, Inc.

NYSE:BFH

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