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. filed a current report to inform investors that it issued a press release on January 29, 2026. The press release provides a performance update for the company as of and for the period ended December 31, 2025 and is included as Exhibit 99.1.
The company notes that the information in this report, including the press release, is being furnished rather than filed, which limits the legal liabilities associated with it and its automatic incorporation into other securities filings.
Bread Financial Holdings, Inc. reported its fourth-quarter 2025 results by issuing a Q4 2025 earnings press release and financial supplement, and by posting an investor presentation for analysts and investors. These materials are provided as exhibits and on the company’s investor website.
The board also declared a quarterly cash dividend of $26.35 per share on its 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, equivalent to $0.65875 per depositary share, and a quarterly cash dividend of $0.23 per share on common stock. Both dividends are payable on March 16, 2026 to stockholders of record at the close of business on February 27, 2026.
Bread Financial Holdings director John C. Gerspach reported a new equity award and updated holdings. On January 15, 2026, he received a grant of 499 shares of common stock in the form of restricted stock units, which are scheduled to vest on January 15, 2027.
Following this grant, Gerspach is shown as beneficially owning 46,723 shares of Bread Financial common stock directly, including unrestricted shares and multiple unvested restricted stock unit awards. In addition, 6,000 shares are reported as indirectly owned through the Gerspach 2020 GST Exempt Trust, for which his spouse serves as trustee.
Bread Financial Holdings, Inc. reported an insider equity transaction by an executive serving as EVP, CAO, General Counsel and Secretary. On 12/11/2025, the company withheld 346 shares of common stock at $73.62 per share to cover taxes due on the early vesting of an equal number of restricted stock units when the reporting person became retirement eligible.
After this tax withholding, the reporting person beneficially owns 123,734 securities, including 45,162 unrestricted shares and a mix of unvested time-based and performance-based restricted stock units from awards granted on 3/24/2023, 2/15/2024, and 2/18/2025. The holdings are reported as directly owned.
Bread Financial Holdings, Inc. reported an insider equity transaction by its EVP, Chief Commercial Officer. On 12/11/2025, 1,256 shares of common stock were withheld at $73.62 per share to pay taxes tied to the early vesting of an equal number of restricted stock units as the executive became retirement eligible.
Following this tax withholding, the executive beneficially owns 151,951 shares. This total includes 50,829 unrestricted shares, with the remainder made up of multiple unvested time-based and performance-based restricted stock unit awards from grants made in 2023, 2024, and 2025.
Bread Financial Holdings, Inc.’s President and CEO, who is also a director, reported a tax-related share withholding transaction. The event involved the withholding of 4,116 shares of common stock at $73.62 per share to pay taxes triggered when restricted stock units vested early as the executive became retirement eligible.
The withheld shares came from time-based restricted stock unit grants made on 3/24/23, 2/15/24, and 2/18/25. After this transaction, the reporting person beneficially owns 534,997 securities, including 172,361 unrestricted shares and a mix of unvested time-based and performance-based restricted stock units from 2023–2025 awards.
Bread Financial Holdings, Inc. filed a Form 8-K to announce that it issued a press release on December 10, 2025. The press release provides a performance update for the company as of and for the period ended November 30, 2025, giving investors more current operating information between regular quarterly reports.
The press release is included as Exhibit 99.1 to this report, while a cover page interactive data file is included as Exhibit 104. The company states that the information in this report, including the exhibit, is being furnished rather than filed, which limits how it is treated for certain securities law liability and incorporation-by-reference purposes.
Bread Financial Holdings, Inc. created a new class of preferred stock and issued it using depositary shares. The company established its 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, with a par value of $0.01 per share and a liquidation preference of $1,000 per share through a Certificate of Designations that became effective on November 25, 2025, amending its certificate of incorporation.
On November 25, 2025, the company issued and sold 3,000,000 depositary shares, each representing a 1/40th interest in a share of the Series A Preferred Stock. Holders of these depositary shares receive proportional dividend, voting, redemption and liquidation rights of the underlying preferred shares. The terms restrict dividends and certain repurchases on junior or parity stock if dividends on the Series A Preferred Stock are not declared and paid or set aside for the prior dividend period.
Bread Financial Holdings, Inc. is conducting a primary offering of 3,000,000 depositary shares, each representing a 1/40th interest in a share of its 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, with a liquidation preference of $25 per depositary share. Dividends on the Series A Preferred Stock are non-cumulative and, when declared, are paid quarterly in arrears at a fixed rate of 8.625% per annum, beginning March 15, 2026. The preferred stock is perpetual, ranks senior to common stock but junior to debt, and may be redeemed at the company’s option on or after December 15, 2030 at $1,000 per preferred share (equivalent to $25 per depositary share), plus any declared and unpaid dividends. Bread Financial estimates net proceeds of approximately $71.5 million, which it intends to use for general corporate purposes, including possible capital contributions or loans to its bank subsidiary and share repurchases. The company plans to apply to list the depositary shares on the NYSE under the symbol “BFH PrA.”