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.
Bread Financial Holdings, Inc. filings document regulatory disclosures for a consumer financial services company centered on payment, lending and savings products. Recent 8-K reports cover operating results, Regulation FD performance updates, credit card loan metrics, net principal loss and delinquency measures, dividends, share repurchase authority, and capital-structure events involving common stock, preferred stock and depositary shares.
The filing record also includes material agreement disclosures tied to convertible note-related capped call transactions and proxy materials covering shareholder voting, board governance, executive compensation and equity-award information. These documents describe Bread Financial’s public-company governance, securities structure, risk-related operating metrics and capital management activity, including references to subsidiary bank Comenity Capital Bank.
Bread Financial Holdings, Inc. is asking stockholders to vote at its virtual annual meeting on May 19, 2026 on four items: election of nine directors, an advisory vote on executive pay, approval of a 2026 employee stock purchase plan, and ratification of Deloitte & Touche LLP as auditor.
The company highlights a strong 2025, with net income of $521 million, diluted EPS of $10.96, and tangible book value per common share of $57.57, all sharply higher than 2024. It repurchased $310 million of stock, raised its quarterly dividend by 10% to $0.23 per share, and grew consumer deposits to $8.5 billion, which represented 48% of fourth-quarter 2025 total funding.
The proxy emphasizes board refreshment and governance: eight of nine nominees are independent, seven new directors have joined in the last seven years, and current Chair Roger Ballou will retire at the 2026 meeting, with director John C. Gerspach Jr. expected to become Chair if elected. The board stresses robust risk oversight, including cybersecurity and responsible AI, extensive investor engagement, and a sustainability framework focused on responsible growth, human capital, environmental goals and community investment, including $14 million in 2025 charitable donations.
Bread Financial Holdings Inc ownership disclosure: The Vanguard Group filed Amendment No. 16 to a Schedule 13G/A reporting that, following an internal realignment, it beneficially owns 0 shares of Bread Financial Holdings Inc common stock. The filing cites SEC Release No. 34-39538 and states the change occurred as part of a reorganization on 01/12/2026. The filing lists Amount beneficially owned: 0 and Percent of class: 0%, and is signed on 03/26/2026.
Bread Financial Holdings, Inc. provided a performance update for February 2026, focusing on credit card and other loan trends. For the month ended February 28, 2026, end-of-period credit card and other loans were $18,081 million and average loans were $18,275 million, with a 1% year-over-year change in average loans.
Credit quality metrics improved versus February 2025. Net principal losses were $108 million with a net principal loss rate of 7.7%, compared with $120 million and 8.6% a year earlier. As of February 28, 2026, 30 days plus delinquencies were $939 million and the delinquency rate was 5.8%, versus $1,027 million and 6.2% as of February 28, 2025.
Bread Financial Holdings executive Perry S. Beberman filed an amended insider trading report to correct prior data on a tax-related share disposition. The Form 4/A clarifies that 22,516 shares of common stock were withheld on February 17, 2026 to cover tax obligations when restricted stock units vested.
After this correction, Beberman is shown as beneficially owning 142,061 shares of Bread Financial common stock directly. The amendment states that only the number of shares withheld for taxes and the resulting ownership total were changed, and that all other information from the original Form 4 remains the same. This reflects an administrative correction rather than a new open-market trade.
Bread Financial Holdings executive Allegra S. Driscoll filed an amended insider trading report to correct a prior tax-withholding entry. The Form 4/A clarifies that 1,752 shares of common stock were withheld on February 18, 2026 to cover taxes upon vesting of restricted stock units at $73.74 per share. After this correction, Driscoll is shown as beneficially owning 60,780 common shares. The amendment states that the original Form 4 had overreported the number of shares withheld and that no other information from that earlier filing is changed.
Bread Financial Holdings, Inc. disclosed that its Board of Directors approved a $600 million increase to the company’s existing share repurchase authorization. The company had $165 million of remaining capacity before this change, bringing the current total share repurchase authorization to $765 million.
The authorization has no expiration date and allows, but does not require, Bread Financial to repurchase its common stock, subject to market conditions, legal and regulatory requirements, and other factors. The Board may suspend or terminate the repurchase plan at any time, so actual repurchases will depend on future decisions.
BREAD FINANCIAL HOLDINGS, INC. director Roger H. Ballou reported a charitable stock gift. On February 19, 2026, he transferred 1,351 shares of common stock as a bona fide gift for charitable purposes at a stated price of $0.00 per share. After this disposition, he directly owns 39,766 common shares. This was a gift transfer rather than an open-market sale.
Campbell Jonathan Bryan reported acquisition or exercise transactions in this Form 4 filing.
Bread Financial Holdings reported that SVP and Chief Accounting Officer Jonathan Bryan Campbell received a grant of 1,728 shares of common stock in the form of performance-based restricted stock units. These RSUs may be adjusted based on performance over a three-year period and may vest on 2/17/29 if predetermined performance measures are met and he remains employed, subject to limited exceptions. After this grant, he directly holds 38,877 common shares. The filing is an amendment to add a previously omitted transaction.
Bread Financial Holdings, Inc. President and CEO Ralph J. Andretta reported multiple equity transactions in company common stock. He received stock-based compensation awards of 42,122 time-based restricted stock units, 63,183 performance-based RSUs, and an additional 19,123 performance-based units earned under a prior grant. The time-based RSUs vest in three annual installments through 2029, while the performance-based RSUs may vest in 2029 if preset performance goals are met and employment continues. Shares totaling 56,858 and 5,326 were withheld by the company at prices of $73.05 and $73.74 per share to satisfy tax obligations on RSU vesting. Following these transactions, Andretta directly holds 597,241 common shares.