Welcome to our dedicated page for Bread Financial Holdings SEC filings (Ticker: BFH), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Locating delinquency trends, partnership renewals, or charge-off data in Bread Financial Holdings’ disclosures can feel like decoding a mortgage contract. Even seasoned analysts spend hours scrolling the company’s 10-K and 10-Q just to verify credit loss allowances or new BNPL volumes. That’s why this page puts every Bread Financial SEC filings explained simply in one place, from the first spin-off document to the latest note on funding costs.
Our AI engine reads each submission the moment it hits EDGAR, delivering Bread Financial Form 4 insider transactions real-time and converting dense language into concise highlights you can act on. Want the newest Bread Financial quarterly earnings report 10-Q filing without combing through footnotes? Prefer a digestible view of the Bread Financial annual report 10-K simplified? We surface the metrics—net interest margin, receivables growth, allowance ratios—in seconds. Alerts also capture every Bread Financial 8-K material events explained, so sudden partnership exits or changes in funding lines never slip by.
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Whether you’re modeling credit risk, evaluating funding liquidity, or simply confirming covenant language, our real-time updates, AI-powered summaries, and full historical archive make Bread Financial’s regulatory story clear.
Bread Financial Holdings (BFH) entered a purchase agreement to sell $500 million of 6.750% senior notes due May 15, 2031 in a private offering under Rule 144A/Reg S. The notes will be issued at par, with expected net proceeds of approximately $493 million, and closing is expected on November 6, 2025, subject to customary conditions.
The company plans to use the proceeds, together with about $275 million of cash on hand, to redeem in full its outstanding 9.750% Senior Notes due 2029, of which $719 million principal is outstanding, including the make‑whole premium. The new notes will be guaranteed by certain subsidiaries. The announcement was accompanied by a Rule 135c pricing press release. The securities will not be registered under the Securities Act and may be offered only pursuant to applicable exemptions.
Bread Financial Holdings (BFH) announced a conditional plan to redeem all of its outstanding 9.750% senior notes due 2029. The company expects the redemption on
The redemption is conditioned on completing one or more debt financings that deliver at least
Bread Financial (BFH) reported Q3 2025 results showing stronger profitability on lower credit costs and tighter expenses. Total net interest and non‑interest income was $971 million (down 1% year over year), while Provision for credit losses fell to $299 million. Net income rose to $188 million, and diluted EPS reached $3.96.
Credit sales were $6.8 billion, up 5%, but average loans slipped 1% to $17.6 billion as payment rates increased. Net interest margin held at 18.8% and improved sequentially. Non‑interest expenses declined 17% to $476 million, reflecting the absence of prior‑year debt repurchase impacts and continued cost discipline.
Capital and funding remained solid: CET1 was 14.0% and direct‑to‑consumer deposits rose 9% to $8.2 billion. The company repurchased 0.6 million shares for $40 million in the quarter, part of 3.8 million year‑to‑date. Management’s 2025 outlook calls for a full‑year net principal loss rate of 7.8% to 7.9% and an effective tax rate of 19% to 20%.
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 (BFH) filed an 8‑K announcing several updates tied to its Q3 2025 communications and capital return plans. The company furnished its Q3 2025 earnings press release and made an investor presentation available for analysts and investors.
The Board declared a quarterly cash dividend of $0.23 per share, payable on December 12, 2025 to stockholders of record as of November 7, 2025. The Board also approved a $200 million increase to the company’s existing share repurchase authorization. The investor presentation and press releases were furnished as exhibits and posted to the company’s website.
Bread Financial Holdings (BFH) reported an insider equity grant. A director received 670 restricted stock units on 10/15/2025, which will vest on 10/15/2026.
After this transaction, the reporting person beneficially owned 46,224 shares directly and 6,000 shares indirectly through the Gerspach 2020 GST Exempt Trust. Footnotes state the total includes multiple tranches of unvested restricted stock units granted on prior dates.
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