bfh-20260723 false 0001101215 0001101215 2026-07-23 2026-07-23 0001101215 us-gaap:CommonStockMember 2026-07-23 2026-07-23 0001101215 us-gaap:SeriesAPreferredStockMember 2026-07-23 2026-07-23 0001101215 us-gaap:SeriesBPreferredStockMember 2026-07-23 2026-07-23 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): July 23, 2026 BREAD FINANCIAL HOLDINGS, INC. (Exact Name of Registrant as Specified in Charter) Delaware 001-15749 31-1429215 (State or Other Jurisdiction of Incorporation) (Commission File Number) (IRS Employer Identification No.) 3095 LOYALTY CIRCLE COLUMBUS , Ohio 43219 (Address and Zip Code of Principal Executive Offices) ( 614 ) 729-4000 (Registrant’s Telephone Number, including Area Code) NOT APPLICABLE (Former name or former address, if changed since last report)☐ Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading symbol Name of each exchange on which registered Common Stock, par value $0.01 per share BFH NYSE Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A BFH PrA NYSE Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B BFH PrB NYSE Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    [  ] Item 2.02 Results of Operations and Financial Condition. On July 23, 2026, Bread Financial Holdings, Inc. (the “Company”) issued a press release regarding its results of operations for the quarter ended June 30, 2026 (the “Q2 2026 Earnings Release”). Copies of the Q2 2026 Earnings Release and the related financial supplement are furnished as Exhibit 99.1 and Exhibit 99.2 hereto, respectively. Item 7.01 Regulation FD Disclosure. In connection with the Q2 2026 Earnings Release, on July 23, 2026, the Company posted an investor presentation to the Company’s website (at www.breadfinancial.com) on the “Investors” page under “Events & Presentations,” where the Company routinely posts, and intends to do so in the future, announcements, events, presentations, news releases and other investor information. The investor presentation may be used by the Company’s senior management during meetings and calls with analysts, investors and other market participants. Information on the Company’s website does not constitute a part of this Current Report on Form 8-K. Item 8.01 Other Events. On July 23, 2026, the Company issued a press release announcing that the Board of Directors of the Company has declared: (i) a quarterly cash dividend of $21.56 per share of its 8.625% Non-Cumulative Perpetual Preferred Stock, Series A (equivalent to $0.539 per depositary share, each representing a 1/40th interest in a share of preferred stock), payable on September 15, 2026 to preferred stockholders of record at the close of business on August 31, 2026; (ii) a quarterly cash dividend of $30.32 per share of its 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B (equivalent to $0.758 per depositary share, each representing a 1/40th interest in a share of preferred stock), payable on September 15, 2026 to preferred stockholders of record at the close of business on August 31, 2026; and (iii) a quarterly cash dividend of $0.23 per share of common stock, payable on September 15, 2026 to common stockholders of record at the close of business on August 31, 2026. A copy of the press release announcing these dividends is attached as Exhibit 99.3 hereto. Item 9.01 Financial Statements and Exhibits. (d) Exhibits Exhibit No. Document Description 99.1 Press Release dated July 23, 2026 announcing the Company’s results of operations for the quarter ended June 30, 2026. 99.2 Financial Supplement - Second Quarter 2026. 99.3 Press Release dated July 23, 2026 announcing the dividends on the Company’s preferred and common stock. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document). Note: Except for the information in Item 8.01 hereof (including Exhibit 99.3 hereto), the information contained in this report (including Exhibits 99.1 and 99.2) shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Bread Financial Holdings, Inc. Date: July 23, 2026 By: /s/ Joseph L. Motes III Joseph L. Motes III Executive Vice President, Chief Administrative Officer, General Counsel and Secretary

Bread Financial Holdings, Inc. filed an 8-K on July 23, 2026 to report Q2 2026 earnings results for the period ended June 30, 2026, disclosing financial performance metrics and providing investor guidance through supplemental materials and a presentation.

On July 23, 2026, Bread Financial Holdings, Inc. reported its results of operations for the second quarter ended June 30, 2026. This earnings release highlights the company’s financial performance and includes significant data on revenues, net income, and any changes compared to previous quarters. The filing includes related financial supplements and an investor presentation, aiming to inform shareholders and analysts about the company's financial health and future outlook. The report serves to align with regulatory requirements and enhance transparency for investors.

BREAD FINANCIAL HOLDINGS, INC.

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