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Bread Financial Holdings, Inc. received an amended ownership report from Turtle Creek Asset Management Inc. Turtle Creek, a Canadian investment adviser, reported beneficial ownership of 2,551,432 shares of Bread Financial common stock, representing 5.6% of the class as of the event date.
Turtle Creek has sole voting and dispositive power over these shares and indicates they are held in the ordinary course of business for unit holders of mutual funds it manages. Turtle Creek states the holdings are not intended to change or influence control of Bread Financial.
Bread Financial Holdings, Inc. received an amended ownership report from Turtle Creek Asset Management Inc. Turtle Creek, a Canadian investment adviser, reported beneficial ownership of 2,551,432 shares of Bread Financial common stock, representing 5.6% of the class as of the event date.
Turtle Creek has sole voting and dispositive power over these shares and indicates they are held in the ordinary course of business for unit holders of mutual funds it manages. Turtle Creek states the holdings are not intended to change or influence control of Bread Financial.
Bread Financial Holdings, Inc. describes a tech-forward consumer finance business built around co-brand and private label credit cards, direct-to-consumer cards, Bread Pay installment and split-pay loans, and Bread Savings retail deposits. As of December 31, 2025, it had $18.8 billion in credit card and other loans across about 34 million open accounts, with an average outstanding balance of $1,047 for accounts with balances.
Bread Savings retail deposits reached $8.5 billion, representing 48% of total funding sources, with estimated uninsured retail deposits of $638 million, or 5% of total deposits. The company highlights a diversified partner base across major brands, growing emphasis on co-brand programs and direct-to-consumer cards, and expansion of Bread Pay’s merchant network.
The report outlines a planned merger of Comenity Bank into Comenity Capital Bank, expected in the second half of 2026, to simplify regulation and improve funding and securitization flexibility. On a pro forma basis at December 31, 2025, the combined bank would have about $21.4 billion in assets, $14.1 billion in deposits and $2.8 billion of Tier I capital and remain well capitalized under Basel III standards.
Bread Financial Holdings, Inc. describes a tech-forward consumer finance business built around co-brand and private label credit cards, direct-to-consumer cards, Bread Pay installment and split-pay loans, and Bread Savings retail deposits. As of December 31, 2025, it had $18.8 billion in credit card and other loans across about 34 million open accounts, with an average outstanding balance of $1,047 for accounts with balances.
Bread Savings retail deposits reached $8.5 billion, representing 48% of total funding sources, with estimated uninsured retail deposits of $638 million, or 5% of total deposits. The company highlights a diversified partner base across major brands, growing emphasis on co-brand programs and direct-to-consumer cards, and expansion of Bread Pay’s merchant network.
The report outlines a planned merger of Comenity Bank into Comenity Capital Bank, expected in the second half of 2026, to simplify regulation and improve funding and securitization flexibility. On a pro forma basis at December 31, 2025, the combined bank would have about $21.4 billion in assets, $14.1 billion in deposits and $2.8 billion of Tier I capital and remain well capitalized under Basel III standards.
Bread Financial Holdings, Inc. provided a performance update for January 2026, focusing on credit card and other loan metrics. Average credit card and other loans were $18.531 billion for the month, essentially flat versus $18.530 billion in January 2025.
The net principal loss rate improved to 7.1% from 7.8% a year earlier, with net principal losses declining from $123 million to $111 million. The delinquency rate also edged down to 5.9% as of January 31, 2026, compared to 6.1% as of January 31, 2025, indicating slightly better credit performance.
Bread Financial Holdings, Inc. provided a performance update for January 2026, focusing on credit card and other loan metrics. Average credit card and other loans were $18.531 billion for the month, essentially flat versus $18.530 billion in January 2025.
The net principal loss rate improved to 7.1% from 7.8% a year earlier, with net principal losses declining from $123 million to $111 million. The delinquency rate also edged down to 5.9% as of January 31, 2026, compared to 6.1% as of January 31, 2025, indicating slightly better credit performance.
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 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.