Bread Financial posts performance update via 8-K
Bread Financial Holdings, Inc. reported that it issued a press release on November 13, 2025 providing a performance update for the period ended October 31, 2025.
Sentiment and the balance of points
Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.
Form Type
8-K
Rhea-AI Filing Summary
Bread Financial Holdings, Inc. reported that it issued a press release on November 13, 2025 providing a performance update for the period ended October 31, 2025. The company furnished this press release as Exhibit 99.1 to this current report on Form 8-K under a Regulation FD Disclosure item. The company also included a cover page interactive data file as Exhibit 104.
The information in this report and the attached press release is designated as "furnished" rather than "filed" under the securities laws, which affects how it is treated for certain liability and incorporation-by-reference purposes.
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, or exhibit attachments filed with this report.
FAQ
AI-generated questions and answers. How Rhea-AI works. Not financial advice.
What did Bread Financial Holdings (BFH) disclose in this Form 8-K?
Bread Financial Holdings, Inc. disclosed that it issued a press release on November 13, 2025 providing a performance update as of and for the period ended October 31, 2025, and furnished that press release as Exhibit 99.1.
Under which item did Bread Financial (BFH) furnish the performance update?
The company furnished the performance update under Item 7.01, Regulation FD Disclosure, indicating it relates to broadly disseminated information intended for all investors.
What exhibits are included with Bread Financial’s November 13, 2025 Form 8-K?
The Form 8-K includes Exhibit 99.1, a press release dated November 13, 2025 providing a performance update for the period ended October 31, 2025, and Exhibit 104, the cover page interactive data file embedded in the Inline XBRL document.
Is the Bread Financial (BFH) performance press release considered filed or furnished?
The company states that the information in this report, including Exhibit 99.1, is not deemed "filed" for purposes of Section 18 of the Exchange Act and is not incorporated by reference into Securities Act filings unless specifically referenced.
Who signed the November 13, 2025 Form 8-K for Bread Financial (BFH)?
The Form 8-K was signed on behalf of Bread Financial Holdings, Inc. by Joseph L. Motes III, who is the Executive Vice President, Chief Administrative Officer, General Counsel and Secretary.
What period does the Bread Financial (BFH) performance update cover?
The press release attached as Exhibit 99.1 provides a performance update as of and for the period ended October 31, 2025.
AI-generated analysis. How Rhea-AI works. Not financial advice.
Accepted by SEC EDGAR
Learn about SEC filing dates
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):
(Exact Name of Registrant as Specified in Charter)
| (State or Other Jurisdiction of Incorporation) | (Commission File Number) | (IRS Employer Identification No.) | ||||||
(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 | ||||||||||||
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 November 13, 2025 , Bread Financial Holdings, Inc. issued a press release providing a performance update as of and for the period ended October 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 | |||||||
| 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: November 13, 2025 | By: | /s/ Joseph L. Motes III | ||||||
| Joseph L. Motes III Executive Vice President, Chief Administrative Officer, General Counsel and Secretary | ||||||||