BFH BREAD FINANCIAL HOLDINGS, INC.companySEC Filings & Insider Trading Activity 2026
Latest BREAD FINANCIAL HOLDINGS, INC. (BFH) SEC EDGAR filings in 2026 — including the most recent 10-K annual report filed on February 13, 2026, a 10-Q quarterly report filed on October 28, 2025, an 8-K current report filed on April 23, 2026. SignalX aggregates every new 10-K annual report, 10-Q quarterly report, 8-K current report, and Form 4 insider transaction for BREAD FINANCIAL HOLDINGS, INC. (BFH) (SEC CIK 1101215), with AI-powered section-by-section summaries updated daily.
Latest 2026 SEC Filing Dates
AI 10-K Annual Report AnalysisLatest 10-K (2025-12-31)
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
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
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)
AI 10-Q Quarterly Report AnalysisLatest 10-Q (2025-09-30)
Risk Factors
- • No new or materially changed risk factors since 2024 Form 10-K
- • Continued exposure to economic volatility impacting loan portfolios and credit quality
AI 8-K Current Report AnalysisRecent 8-K Filings
Item 7.01: Regulation FD Disclosure
- • Press release issued March 11, 2026 covering performance metrics through February 28, 2026
- • Reg FD disclosure signals material operational/credit data (delinquencies, net loss rates, loan balances) that could move shares
Annual Reports Archive10-K
AI-powered analysis of BREAD FINANCIAL HOLDINGS, INC. (BFH) 10-K annual reports filed with SEC EDGAR.
Quarterly Reports Archive10-Q
AI-powered analysis of BREAD FINANCIAL HOLDINGS, INC. (BFH) 10-Q quarterly reports filed with SEC EDGAR.
Recent 8-K FilingsCurrent Reports
AI-powered analysis of BREAD FINANCIAL HOLDINGS, INC. (BFH) 8-K current reports disclosing material events.
Financial SummaryXBRL
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Profitability | |||||
| Revenue | $3.3B | $3.8B | $4.3B | $3.8B | $3.8B |
| Net Income | $801.0M | $223.0M | $718.0M | $277.0M | $518.0M |
| Net Margin | 24.5% | 5.8% | 16.7% | 7.2% | 13.5% |
| Balance Sheet | |||||
| Total Assets | $21.7B | $25.4B | $23.1B | $22.9B | $22.7B |
| Equity | $2.1B | $2.3B | $2.9B | $3.1B | $3.3B |
| ROE | 38.4% | 9.8% | 24.6% | 9.1% | 15.6% |
Source: XBRL financial data from BREAD FINANCIAL HOLDINGS, INC. (BFH) 10-K filings on SEC EDGAR. All figures in USD. Key metrics include revenue, net income, gross profit, gross profit margin, operating income, EPS (diluted), total assets, stockholders' equity, return on equity (ROE), operating cash flow, and capital expenditure.
Latest 2026 SEC Filings — 10-K, 10-Q, 8-K & Form 4
| Form | Filing Date | Period | Analysis | SEC |
|---|---|---|---|---|
8-K | Apr 23, 2026 | — | — | — |
8-K | Apr 23, 2026 | — | — | — |
8-K | Mar 11, 2026 | — | Analysis | — |
8-K | Feb 26, 2026 | — | Analysis | — |
8-K | Feb 18, 2026 | — | — | |
10-K | Feb 13, 2026 | Dec 31, 2025 | Analysis | |
8-K | Feb 10, 2026 | — | — | |
8-K | Jan 29, 2026 | — | — | |
8-K | Jan 29, 2026 | — | — | |
8-K | Dec 10, 2025 | — | — | |
8-K | Nov 25, 2025 | — | — | |
10-Q | Oct 28, 2025 | Sep 30, 2025 | Analysis | |
10-Q | Jul 29, 2025 | Jun 30, 2025 | — | |
10-Q | Apr 29, 2025 | Mar 31, 2025 | — | |
10-K | Feb 14, 2025 | Dec 31, 2024 | — | |
10-Q | Oct 31, 2024 | Sep 30, 2024 | — | |
10-Q | Aug 1, 2024 | Jun 30, 2024 | — | |
10-Q | May 2, 2024 | Mar 31, 2024 | — | |
10-K | Feb 20, 2024 | Dec 31, 2023 | — | |
10-Q | Oct 26, 2023 | Sep 30, 2023 | — | |
10-Q | Aug 3, 2023 | Jun 30, 2023 | — | |
10-Q | May 2, 2023 | Mar 31, 2023 | — | |
10-K | Feb 28, 2023 | Dec 31, 2022 | — | |
10-Q | Nov 4, 2022 | Sep 30, 2022 | — | |
10-Q | Aug 4, 2022 | Jun 30, 2022 | — |
Frequently Asked Questions
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 October 28, 2025, an 8-K current report on April 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 October 28, 2025. 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 April 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.
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