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. (BFH) – Form 4 filing
Director John J. Fawcett reported the grant of 2,802 restricted stock units (RSUs) on 16-Jun-2025 (Transaction Code A). The RSUs represent shares of BFH common stock that will vest on 16-Jun-2026. No cash price was paid for the grant, indicating it is part of the company’s equity-based compensation program.
Following the award, Fawcett’s total beneficial ownership increased to 9,275 shares, consisting of:
- 3,000 unrestricted shares
- 3,473 unvested RSUs granted 17-Jun-2024
- 2,802 newly granted RSUs
The filing was signed by attorney-in-fact Benjamin L. Morgan on 18-Jun-2025. No open-market transactions, sales, or derivative exercises were reported, and there is no indication of a 10b5-1 trading plan.
Bread Financial Holdings director Praniti Lakhwara received a new grant of 2,802 restricted stock units (RSUs) on June 16, 2025. These RSUs will vest in full on June 16, 2026.
Following this transaction, Lakhwara beneficially owns a total of 5,622 RSUs, consisting of:
- 2,820 unvested RSUs from previous grant dated July 15, 2024
- 2,802 newly granted RSUs
The Form 4 filing was submitted by Benjamin L. Morgan as attorney-in-fact on June 18, 2025. All securities are held directly by the reporting person, who serves as a director of the company. This equity grant appears to be part of the company's director compensation program.
Bread Financial Holdings (BFH) director Rajesh Natarajan received a new grant of 2,802 restricted stock units (RSUs) on June 16, 2025. These RSUs will vest on June 16, 2026.
Following this transaction, Natarajan beneficially owns a total of 19,804 RSUs, consisting of multiple grants from 2020-2025:
- 3,432 RSUs from June 2020
- 2,515 RSUs from 2021 (across multiple grants)
- 2,650 RSUs from June 2022
- 4,932 RSUs from June 2023
- 3,473 RSUs from June 2024
- 2,802 RSUs from June 2025 (new grant)
All securities are held directly by the reporting person. The Form 4 was filed by Benjamin L. Morgan as attorney-in-fact on June 18, 2025.
Form 4 filing overview: On 18 June 2025, Bread Financial Holdings, Inc. (ticker BFH) reported that director Joyce St Clair received an equity award consisting of 2,802 restricted stock units (RSUs) on 16 June 2025 (transaction code A). The RSUs will vest on 16 June 2026. No cash price was paid because RSUs represent contingent rights to shares rather than open-market purchases.
Following the grant, St Clair’s total beneficial ownership increased to 9,669 common shares, held directly. The total comprises (a) 3,394 unvested RSUs granted 15 Aug 2023, (b) 3,473 unvested RSUs granted 17 Jun 2024, and (c) the newly granted 2,802 RSUs disclosed in this filing.
The filing does not disclose any dispositions, sales, or derivative transactions. It is a routine director equity grant and does not include financial performance metrics or earnings data.
Bread Financial Holdings, Inc. (BFH) filed a Form 4 disclosing that director Timothy J. Theriault acquired 2,802 shares of common stock in the form of restricted stock units (RSUs) on 06/16/2025. The transaction code “A” confirms the award was a grant, not an open-market purchase or sale. The RSUs will vest on 06/16/2026, indicating a one-year service requirement.
Following this grant, Theriault’s total beneficial ownership increased to 25,746 shares/units, consisting of 4,000 unrestricted shares and 21,746 unvested RSUs from awards granted between 2016 and 2025. Ownership is reported as direct.
The size of the award is modest relative to BFH’s outstanding share count and therefore immaterial to share dilution. However, continued equity awards to a non-executive director reinforce governance practices that align board incentives with shareholder interests. No derivatives, sales, or other disposition transactions were reported.
Bread Financial Holdings (BFH) director Laurie Anne Tucker received a new grant of 2,802 restricted stock units (RSUs) on June 16, 2025. These RSUs will vest on June 16, 2026.
Following this transaction, Tucker beneficially owns a total of 33,821 shares, consisting of:
- 4,000 unrestricted common shares
- 27,019 unvested RSUs from multiple grants between 2015-2024
- 2,802 newly granted RSUs
The filing, submitted by attorney-in-fact Benjamin L. Morgan on June 18, 2025, represents a standard equity compensation grant for board service. The diverse vesting schedule of Tucker's RSU holdings indicates consistent long-term board participation and alignment with shareholder interests.
Bread Financial Holdings (BFH) Director Sharen J. Turney received a new grant of 2,802 restricted stock units (RSUs) on June 16, 2025. The RSUs will vest on June 16, 2026.
Following this transaction, Turney's total beneficial ownership stands at 21,536 shares, consisting of:
- 1,725 unrestricted shares
- 19,811 unvested RSUs from multiple grants between 2019-2025, including the new grant
The Form 4 filing indicates this is a standard director compensation grant. The transaction was reported within the required two-business-day filing deadline. The filing was executed by Benjamin L. Morgan as Attorney in Fact on June 18, 2025.
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