[8-K] Bread Financial Holdings, Inc. Reports Material Event

Rhea-AI Filing Summary

Bread Financial Holdings (NYSE: BFH) filed an 8-K on 24-Jul-25. The filing reports three investor-relevant items:

• Item 2.02 – Results of Operations. A press release containing Q2 2025 earnings for the quarter ended 30-Jun-25 is furnished as Exhibit 99.1. Specific revenue, EPS or credit metrics are not included in the body of the 8-K.
• Item 7.01 – Regulation FD. Management released an investor presentation (Exhibit 99.2) that will be used in analyst and investor discussions and is available on the company’s website.
• Item 8.01 – Other Events. The Board declared a regular quarterly cash dividend of $0.21 per share, payable 12-Sep-25 to shareholders of record on 8-Aug-25 (Exhibit 99.3).

Only the dividend disclosure (Item 8.01) is deemed "filed"; the earnings release and presentation are "furnished" and therefore not subject to Section 18 liability nor automatically incorporated into future SEC filings. No additional material transactions, financial statements or changes in control were disclosed.

Positive

• $0.21 quarterly dividend declaration reflects continued shareholder return policy and signals near-term confidence in liquidity.

Negative

• None.

Insights

Sell-side Financial Analyst

TL;DR: Routine 8-K; key takeaway is a maintained $0.21 dividend—earnings details deferred to Exhibit 99.1.

The filing itself is informational. Investors should focus on three points: (1) Q2 2025 results are available, but numbers are only in the furnished press release, so no immediate read-through on profitability or credit trends. (2) Management is proactively sharing an investor deck, suggesting regular transparency. (3) Maintaining a $0.21 quarterly dividend signals stable capital deployment and may imply confidence in cash generation, but without underlying metrics the sustainability can’t be evaluated. Overall impact is neutral until the actual earnings data are reviewed.

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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):

July 24, 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 2.02 Results of Operations and Financial Condition.

On July 24, 2025, Bread Financial Holdings, Inc. (the “Company”) issued a press release regarding its results of operations for the second quarter ended June 30, 2025 (the “Q2 2025 Earnings Release”). A copy of the Q2 2025 Earnings Release is furnished as Exhibit 99.1 hereto.

Item 7.01 Regulation FD Disclosure.

In connection with the Q2 2025 Earnings Release, on July 24, 2025, 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 99.2 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 July 24, 2025, the Company issued a press release announcing that the Board of Directors of the Company has declared a quarterly cash dividend of $0.21 per share of common stock, payable on September 12, 2025 to stockholders of record at the close of business on August 8, 2025. A copy of the press release announcing the quarterly dividend is attached as Exhibit 99.3 hereto.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.						Document Description
99.1						Press Release dated July 24, 2025 announcing the Company’s results of operations for the second quarter ended June 30, 2025.
99.2						Investor Presentation dated July 24, 2025.
99.3						Press Release dated July 24, 2025 announcing the Company’s quarterly dividend.
104						Cover Page Interactive Data File (embedded within the Inline XBRL document).

Note: Except for the information in Item 8.01 hereof (including Exhibit 99.3 hereto), the information contained in this report (including Exhibits 99.1 and 99.2) 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: July 24, 2025			By:			/s/ Joseph L. Motes III
						Joseph L. Motes III Executive Vice President, Chief Administrative Officer, General Counsel and Secretary

FAQ

What dividend did Bread Financial (BFH) declare?

The Board declared a quarterly cash dividend of $0.21 per common share payable 12-Sep-25 to shareholders of record on 8-Aug-25.

Which exhibits contain BFH’s Q2 2025 financial results?

The detailed Q2 2025 earnings figures are in Exhibit 99.1, a furnished press release attached to this 8-K.

Where can investors access the new presentation from Bread Financial?

The investor presentation (Exhibit 99.2) is posted on the company’s website under Investors → Events & Presentations.

Is the information in Items 2.02 and 7.01 considered "filed" with the SEC?

No. Those items are furnished, not filed, and are therefore not subject to Section 18 liability or automatic incorporation by reference.

When will BFH pay the declared dividend?

The dividend is scheduled for payment on 12 September 2025.