BFHIP SEC Filings

Bread Financial Holdings Inc: Vanguard Portfolio Management reports beneficial ownership of 2,793,984 shares of Common Stock, representing 6.48% of the class as of 03/31/2026. Vanguard reports sole dispositive power over 2,793,984 shares and sole voting power for 37,648 shares.

The filing states these holdings include securities held for Vanguard funds and managed accounts over which Vanguard Portfolio Management LLC or affiliated business divisions exercise dispositive or voting power.

BREAD FINANCIAL HOLDINGS, INC. director Roger H. Ballou sold 9,687 shares of Common Stock in an open-market transaction at $90.32 per share. After this sale, he directly owns 30,079 shares of the company’s stock.

A footnote explains that his total beneficial ownership also includes 11,626 unrestricted shares and multiple blocks of unvested restricted stock units, such as 699 units granted on 6/27/16 and additional unvested units from annual grants through 6/16/25.

BFH submitted a Form 144 notice indicating an affiliate plans to sell restricted common stock through a broker on the NYSE. The filing lists a broker, Fidelity Brokerage Services LLC, and multiple tranches of restricted stock tied to prior vesting dates with specified share counts.

Bread Financial Holdings, Inc. provided a performance update for its credit card and other loan portfolio as of March 31, 2026, including monthly and quarterly figures. End-of-period credit card and other loans were $18.1 billion, with average balances up modestly year over year.

Net principal losses were $111 million for March and $331 million for the quarter, corresponding to net principal loss rates of 7.23% and 7.33%. The 30+ day delinquency rate was 5.59% on principal of $16.1 billion, compared with 5.93% on $16.4 billion a year earlier, indicating slightly lower delinquency levels.

Bread Financial Holdings reported stronger first quarter 2026 results with higher earnings, loan growth and continued capital returns. Net income was $181 million, up 32% year-over-year, and revenue rose 5% to $1.018 billion. Diluted EPS increased to $4.15 from $2.78.

Credit sales reached $6.5 billion, up 7%, while average loans were $18.3 billion, up 1%. Credit quality improved, with the net loss rate declining to 7.33% and the delinquency rate to 5.59%. Tangible book value per common share grew 26% to $61.57, and the common equity tier 1 capital ratio rose to 13.3%.

The company retired a total of 3.5 million common shares during the quarter and increased its common stock repurchase authorization by $600 million to $690 million. Direct-to-consumer deposits were $8.7 billion, up 10% year-over-year. The Board declared a quarterly cash dividend of $21.56 per preferred share (or $0.539 per depositary share) and $0.23 per common share, both payable on June 15, 2026 to stockholders of record on May 29, 2026.

Gerspach John C reported acquisition or exercise transactions in this Form 4 filing.

Bread Financial Holdings director John C. Gerspach received an equity grant of 483 shares of common stock in the form of restricted stock units. These units will vest on April 15, 2027, reflecting compensation rather than an open-market purchase. Following the grant, he beneficially owns 47,206 common shares directly and 6,000 shares indirectly through the Gerspach 2020 GST Exempt Trust, for which his spouse serves as trustee.

Bread Financial Holdings Inc ownership update: Dimensional Fund Advisors reports beneficial ownership of 3,086,060 shares, representing 7.2% of common stock.

Dimensional states these shares are owned by multiple managed Funds for which it provides investment advisory services and disclaims beneficial ownership; voting and dispositive powers are held in advisory capacity per the filing.

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.