BFH BREAD FINANCIAL HOLDINGS, INC.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Credit card issuance and servicing with associated financial services
• • Strategic outsourcing of credit card processing services initiated June 2022, with FDIC consent order issued Nov 2023 on IT and compliance shortcomings
• • Capital ratios: Common equity tier 1 at 13.0% (2025) vs 12.4% (2024), total capital $3.31B with subordinated notes increased by $400M in 2025
• • Allowance for credit losses sensitive to assumptions; 100 bps increase could change reserve by ~$184M
• • No goodwill impairment indicated in 2025 annual qualitative assessment despite valuation uncertainties

Risk Factors

• • No specific regulatory or legal risk disclosed in risk_factors section
• • No geopolitical or macroeconomic threat with concrete exposure detailed in risk_factors section
• • Cybersecurity risk oversight by Board Risk & Technology Committee, Audit Committee reviews major financial risk exposures
• • No competitive or market disruption risk with named competitor or technology detailed in risk_factors section
• • Management team with CISO, CRO, CORO responsible for cybersecurity risk management, CISO reports to EVP and CTO with 25 years experience

Management Discussion & Analysis

• • Revenue $3,845M in 2025, flat YoY (+$7M vs $3,838M in 2024), down 11% from 2023 ($4,289M)
• • Operating margin approx. 16.0% in 2025 (Income from continuing ops $521M / Revenue $3,845M) vs 7.3% in 2024 ($279M/$3,838M)
• • Best performing segment: Direct-to-consumer deposits growth 11% to $8,523M; worst—Credit card and other loans down 1% to $17,850M average balance
• • Cash flow/use: Declared dividend $0.86/share (up 2%), total non-interest expenses down 3% to $1,988M; repurchased debt cost impact $74M (2025) reducing expenses
• • Forward outlook: Management cautious on macro risks, maintaining prudent credit loss reserves (11.2% reserve rate), emphasizing liquidity and capital adequacy amidst inflation and unemployment uncertainties

What are the latest BFH SEC filings in 2026?

BREAD FINANCIAL HOLDINGS, INC. (BFH) has filed a 10-K annual report on February 13, 2026, a 10-Q quarterly report on April 28, 2026, an 8-K current report on July 23, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did BFH file its most recent 10-K annual report?

BREAD FINANCIAL HOLDINGS, INC. (BFH) filed its most recent 10-K annual report on February 13, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view BFH 10-Q quarterly reports?

BREAD FINANCIAL HOLDINGS, INC. (BFH)'s most recent 10-Q quarterly report was filed on April 28, 2026. SignalX displays every BFH 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has BFH filed recently?

BREAD FINANCIAL HOLDINGS, INC. (BFH)'s most recent 8-K was filed on July 23, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find BFH insider trading activity (Form 4)?

SignalX aggregates every BFH Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does BFH file with the SEC?

BREAD FINANCIAL HOLDINGS, INC. (BFH) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new BFH filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for BREAD FINANCIAL HOLDINGS, INC. (BFH).

What is BFH's SEC CIK number?

BREAD FINANCIAL HOLDINGS, INC. (BFH)'s SEC CIK (Central Index Key) number is 1101215. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1101215 to look up all BFH filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find BFH return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from BREAD FINANCIAL HOLDINGS, INC. (BFH) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.