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. has authorized a new plan to repurchase up to $200 million of its common stock, as disclosed in a current report. The decision was announced in a press release dated August 27, 2025, which is included as an exhibit to the report. This type of authorization gives the company flexibility to buy back shares over time, which can affect the total number of shares outstanding and the way value is returned to shareholders.
Bread Financial Holdings, Inc. filed a current report to note that on August 22, 2025 it issued a press release announcing the expiration and results of its previously announced cash tender offer. The offer related to up to $150,000,000 in aggregate principal amount of the company’s 9.750% Senior Notes due 2029 and 8.375% Fixed-Rate Reset Subordinated Notes due 2035. The company emphasizes that this communication and the related press release are not an offer to sell or a solicitation to buy these securities in any jurisdiction where such activity would be unlawful.
Bread Financial Holdings, Inc. filed a current report to let investors know it has released a new performance update. On August 15, 2025, the company issued a press release covering its operating performance as of and for the period ended July 31, 2025. The press release is included as Exhibit 99.1 to this report, giving stakeholders a consolidated source for the latest monthly performance information.
Bread Financial Holdings (BFH) Form 4: Director John J. Fawcett bought a total of 1,027 BFH common shares on 30-Jul-2025 in two open-market purchases—927 shares at $61.79 and 100 shares at $61.795. The transactions increased his direct holdings to 10,202 shares. This figure comprises 7,500 unrestricted shares and 2,802 unvested RSUs granted 16-Jun-2025. No derivative securities were involved and no sales were reported.
Because the purchase represents a relatively small dollar amount (≈ $63k) and less than 0.05 % of BFH’s outstanding shares, market impact is expected to be limited; however, insider buying by a board member can signal confidence in the company’s outlook.
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.