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. director Praniti Lakhwara received an equity grant of 1,638 shares of common stock in the form of restricted stock units at no cash cost. These units are scheduled to vest on June 15, 2027, meaning they convert into shares if the vesting conditions are met.
After this grant, Lakhwara beneficially owns a total of 7,260 shares, consisting of 5,622 unrestricted shares and the 1,638 new restricted stock units. This filing reflects a routine compensation-related award rather than an open-market stock purchase or sale.
Natarajan Rajesh reported acquisition or exercise transactions in this Form 4 filing.
Bread Financial Holdings director Natarajan Rajesh received a grant of 1,638 shares of common stock in the form of restricted stock units. The grant carries no purchase price and will vest on June 15, 2027. After this award, his directly held and unit-based beneficial ownership totals 21,442 shares of common stock, including previously granted unrestricted and unvested restricted stock units across multiple prior award dates.
St Clair Joyce reported acquisition or exercise transactions in this Form 4 filing.
BREAD FINANCIAL HOLDINGS, INC. director Joyce St Clair reported receiving a grant of 1,638 shares of common stock in the form of restricted stock units on June 15, 2026. The grant had no cash purchase price and will vest on June 15, 2027.
After this award, St Clair is reported as beneficially owning 11,307 securities in total, consisting of 6,275 unrestricted shares, 3,394 unvested restricted stock units granted on August 15, 2023, and the new 1,638 restricted stock units. This is a compensation-related equity grant rather than an open-market share purchase or sale.
Fawcett John J. reported acquisition or exercise transactions in this Form 4 filing.
BREAD FINANCIAL HOLDINGS, INC. director John J. Fawcett received an equity grant of 1,638 shares of common stock, represented by restricted stock units, at no cash cost on the grant date. These restricted stock units will vest on June 15, 2027.
After this award, he beneficially owns a total of 12,638 shares, consisting of 11,000 unrestricted shares and the new 1,638-share restricted stock unit grant, all held as direct ownership.
THERIAULT TIMOTHY J reported acquisition or exercise transactions in this Form 4 filing.
BREAD FINANCIAL HOLDINGS, INC. director Timothy J. Theriault reported receiving an equity grant in the form of restricted stock units. He was awarded 1,638 shares of common stock represented by restricted stock units that will vest on June 15, 2027. After this grant, his beneficial ownership totals 27,384 shares, combining 10,275 unrestricted shares and multiple prior unvested restricted stock unit awards granted between 2016 and 2023, plus the new 2026 grant.
TURNEY SHAREN J reported acquisition or exercise transactions in this Form 4 filing.
BREAD FINANCIAL HOLDINGS, INC. director Sharen J. Turney received an equity grant of 1,638 shares of common stock in the form of restricted stock units, at no purchase price. These units will vest on June 15, 2027, adding to her long-term incentive compensation.
After this award, Turney beneficially owns 23,174 shares, including 8,000 unrestricted shares and multiple blocks of unvested restricted stock units granted between 2019 and 2023. This filing reflects routine, compensation-related share accrual rather than an open-market stock purchase or sale.
Gerspach John C reported acquisition or exercise transactions in this Form 4 filing.
BREAD FINANCIAL HOLDINGS, INC. director John C. Gerspach reported a compensation-related stock grant. He received 1,638 shares of common stock in the form of restricted stock units at a price of $0.00 per share, which will vest on June 15, 2027.
After this award, Gerspach directly holds 48,844 shares of common stock. Separately, 6,000 shares are held indirectly through the Gerspach 2020 GST Exempt Trust, for which his spouse serves as trustee. The filing does not show any open-market purchases or sales.
Tucker Laurie Anne reported acquisition or exercise transactions in this Form 4 filing.
Bread Financial Holdings director Laurie Anne Tucker received an equity grant of 1,638 shares of common stock in the form of restricted stock units at no cash cost. These RSUs will vest on June 15, 2027. After this award, she beneficially owns 35,459 shares, including unrestricted stock and multiple prior unvested RSU grants.
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 President and CEO Ralph J. Andretta reported selling 15,000 shares of the company’s common stock in open-market transactions on May 29, 2026. The shares were sold in three trades at weighted average prices ranging between approximately $88 and $90 per share, with detailed price ranges disclosed in the footnotes. The sales were executed under a pre-arranged Rule 10b5-1 trading plan adopted on February 27, 2026, indicating they were scheduled in advance. After these transactions, Andretta continues to hold more than 500,000 shares directly.