Every 8-K that BFHIV (BFHIV) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow BFHIV and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full BFHIV filings page.
Bread Financial Holdings, Inc. released a May 2026 credit performance update showing modest portfolio growth with improved loss and delinquency metrics versus May 2025.
End-of-period credit card and other loans were $18,363 million, with average loans of $18,169 million, a 2.6% year-over-year increase in average balances. Net principal losses were $108 million with a 6.98% net principal loss rate, compared with $120 million and a 7.97% rate a year earlier. The 30-days-plus delinquency rate was 5.24% on $853 million of delinquent principal, versus 5.71% on $926 million in May 2025. The company notes prior hurricane-related delinquency freezes in late 2024 affected loss patterns in 2024 and 2025.
Bread Financial Holdings, Inc. released a performance update for April 2026, highlighting credit card and other loan trends. End-of-period credit card and other loans were $18,123 million, with average loans of $18,067 million, and average balances rising 2.0% year over year.
Net principal losses were $105 million, resulting in a net principal loss rate of 7.09%, compared with 7.85% a year earlier. As of April 30, 2026, 30-days-plus delinquencies were $859 million on period-end loans of $16,087 million, for a delinquency rate of 5.34% versus 5.73% in April 2025.
Bread Financial Holdings, Inc. created a new class of preferred stock and raised capital through an offering of depositary shares. The company established 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B, with a liquidation preference of $1,000 per share via a Certificate of Designations that amends its charter. On May 12, 2026, it issued and sold 5,400,000 depositary shares, each representing a 1/40th interest in a Series B preferred share, including 600,000 depositary shares from an underwriters’ option. Holders of the depositary shares receive proportional dividend, voting, redemption and liquidation rights of the Series B preferred stock, and dividend restrictions apply to junior and parity stock if Series B dividends are not declared and funded.
Bread Financial Holdings, Inc. announced the launch of an underwritten public offering of depositary shares, each representing a 1/40th interest in its Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B. Each Depositary Share has a liquidation preference of $25, equivalent to $1,000 per share of Series B Preferred Stock.
The company expects to apply to list the Depositary Shares on the NYSE and plans to use net proceeds for general corporate purposes. These may include contributing or lending funds to subsidiary bank Comenity Capital Bank and funding share repurchases. Completion of the offering is subject to market and other conditions.
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.
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, Inc. entered into privately negotiated capped call unwind agreements with the financial institutions that were counterparties to its capped call transactions linked to its 4.25% Convertible Senior Notes due 2028. All of those notes were no longer outstanding as of December 31, 2025, and these new agreements terminate the related capped call transactions in full.
Under the unwind agreements, the option counterparties will deliver a number of Bread Financial common shares to the company, calculated using the average daily volume-weighted average price over one or more unwind periods. The company notes that, if all agreements had hypothetically settled using the February 17, 2026 price, it would have received and retired about 1.5 million shares, though the actual number will vary with share performance. Settlements are expected to complete on or before the end of February 2026, and any shares received will be in addition to, and not counted against, any current or future board-approved share repurchase authorizations.
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.