Bread Financial (NYSE: BFH) furnishes Q4 2025 performance update press release

Rhea-AI Filing Summary

Bread Financial Holdings, Inc. filed a current report to inform investors that it issued a press release on January 29, 2026. The press release provides a performance update for the company as of and for the period ended December 31, 2025 and is included as Exhibit 99.1.

The company notes that the information in this report, including the press release, is being furnished rather than filed, which limits the legal liabilities associated with it and its automatic incorporation into other securities filings.

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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 7.01 Regulation FD Disclosure.

On January 29, 2026, Bread Financial Holdings, Inc. issued a press release providing a performance update as of and for the period ended December 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 January 29, 2026 providing a performance update as of and for the period ended December 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: 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 Holdings (BFH) announce in this 8-K?

Bread Financial Holdings reported that it issued a press release on January 29, 2026 providing a performance update for the period ended December 31, 2025, which is attached as Exhibit 99.1 to the report.

What period does Bread Financial’s January 29, 2026 performance update cover?

The performance update from Bread Financial covers results as of and for the period ended December 31, 2025. Details of this update are contained in the press release furnished as Exhibit 99.1 to the Form 8-K.

How is the Bread Financial (BFH) press release treated for SEC purposes?

Bread Financial states the information in the report, including Exhibit 99.1, is furnished and not filed under Section 18 of the Exchange Act, limiting associated liabilities and preventing automatic incorporation into other securities filings unless specifically referenced.

Which exhibit in the 8-K contains Bread Financial’s performance update?

Exhibit 99.1 contains the Bread Financial press release dated January 29, 2026. This exhibit provides the company’s performance update for the period ended December 31, 2025, as referenced under the Regulation FD Disclosure section.

Who signed the Bread Financial (BFH) January 29, 2026 Form 8-K?

The Form 8-K was signed on behalf of Bread Financial by Joseph L. Motes III, who serves as Executive Vice President, Chief Administrative Officer, General Counsel and Secretary, indicating authorized company approval of the furnished information.