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.
The Bread Financial Holdings, Inc. (NYSE: BFH) SEC filings page brings together the company’s regulatory disclosures from the U.S. Securities and Exchange Commission, including current reports on Form 8-K and other key documents. As a tech-forward financial services company focused on payment, lending and saving solutions for U.S. consumers, Bread Financial uses these filings to report material events, financing transactions and performance updates.
Recent 8-K filings describe performance updates for specific periods, where the company furnishes tables showing end-of-period credit card and other loans, average loan balances, net principal losses, net loss rates, delinquency levels and related metrics. These disclosures help readers understand Bread Financial’s exposure to U.S. consumer credit and the credit performance of its loan portfolio.
Other 8-Ks detail capital structure changes and financing activities, such as the issuance and pricing of 6.750% Senior Notes due 2031, the creation of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, and the sale of related depositary shares. Filings explain how these notes and preferred shares rank in the capital structure, outline key terms and covenants, and describe intended uses of proceeds, which may include general corporate purposes, support for subsidiary banks and share repurchases.
Some filings also cover board actions related to dividends on common stock and changes to share repurchase authorizations, as well as amendments to the company’s certificate of incorporation through a certificate of designations for the Series A Preferred Stock. Together, these documents provide a detailed view of Bread Financial’s financial obligations, capital management and governance decisions.
On Stock Titan, AI-powered tools can assist in summarizing lengthy BFH filings, highlighting important sections on credit performance, new debt or preferred issuances, dividend and buyback actions and significant contractual agreements. Real-time updates from EDGAR, combined with AI summaries, make it easier to navigate Bread Financial’s 10-K, 10-Q, 8-K and other filings, and to review insider-related information reported on forms such as Form 4 when available.
Bread Financial Holdings, Inc. announced it has launched a public offering of depositary shares, each representing a 1/40th interest in a share of its Non-Cumulative Perpetual Preferred Stock, Series A. Each depositary share carries a liquidation preference of $25, equivalent to $1,000 per share of Series A preferred stock. The company plans to use the net proceeds for general corporate purposes, which may include contributing or lending funds to its subsidiary bank, Comenity Capital Bank, and repurchasing common shares. The offering is subject to market and other conditions and is being made through a separate prospectus, not through this announcement.
Bread Financial Holdings, Inc. has filed an automatic shelf registration statement on Form S-3 as a well-known seasoned issuer, allowing it to offer and sell, from time to time, shares of preferred stock and related depositary shares. These securities may be issued in one or more series, with final terms and pricing described in future prospectus supplements.
The company states that net proceeds from any future offerings will be used for general corporate purposes, including adding liquidity, refinancing debt, funding operations and loans, financing acquisitions, and potentially repurchasing or redeeming outstanding securities. Bread Financial is a tech-forward financial services company focused on credit cards, installment lending and savings products, serving millions of U.S. consumers and a broad set of brand partners across multiple retail and service verticals.
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.
Bread Financial Holdings, Inc. closed an offering of $500 million principal amount of 6.750% Senior Notes due 2031. The notes are senior unsecured obligations, initially guaranteed by the Company’s domestic subsidiaries that guarantee its Credit Agreement, with U.S. Bank Trust Company, National Association as trustee.
The notes pay interest at 6.750% per year, semiannually on May 15 and November 15, beginning May 15, 2026, and mature on May 15, 2031. They are callable on or after May 15, 2028 at the Indenture redemption prices; before that date they may be redeemed at 100% plus accrued interest and a make‑whole premium, and up to 40% may be redeemed before May 15, 2028 with net cash proceeds of certain Qualified Equity Offerings.
Upon a Change of Control Triggering Event, holders may require repurchase at 101% of principal plus accrued interest. Covenants limit additional debt, restricted payments and investments, liens, affiliate transactions, mergers, and asset sales. Events of default permit acceleration by the trustee or holders of at least 30% of the notes, with automatic acceleration upon specified Company bankruptcy events.
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 November 7, 2025, at par plus a make‑whole premium and accrued interest, if a stated financing condition is met.
The redemption is conditioned on completing one or more debt financings that deliver at least $500 million in gross proceeds by 11:00 a.m. New York City time on the Redemption Date. BFH also disclosed it intends to use the net proceeds from a privately placed offering of senior notes, together with approximately $275 million of cash on hand, to redeem in full its 2029 Notes, of which $719 million aggregate principal amount is outstanding. The new offering is subject to market and other conditions and will not be registered under the Securities Act.
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.