BFH.PRB / Bread Financial Holdings, Inc. - Preferred Stock - SEC-Einreichungen, Jahresbericht, Proxy Statement

As filed with the Securities and Exchange Commission on May 26, 2026

S-8 As filed with the Securities and Exchange Commission on May 26, 2026 Registration No.

THIRD AMENDMENT BREAD FINANCIAL 401(K) PLAN

EX-99.5 Exhibit 99.5 THIRD AMENDMENT TO BREAD FINANCIAL 401(K) PLAN Bread Financial 401(k) Plan, originally effective as of January 24, 1996, as presently maintained under an amendment and restatement made effective as of October 1, 2023, is hereby amended effective July 1, 2025: SOLE CHANGE Section 14.1a. of the Adoption Agreement is amended to add separate commissions election limit % and now re

FOURTH AMENDMENT BREAD FINANCIAL 401(K) PLAN

EX-99.6 Exhibit 99.6 FOURTH AMENDMENT TO BREAD FINANCIAL 401(K) PLAN Bread Financial 401(k) Plan, originally effective as of January 24, 1996, as presently maintained under an amendment and restatement made effective as of October 1, 2023, is hereby amended effective January 1, 2026: SOLE CHANGE Section 13.3b.xii of the Adoption Agreement is amended to exclude paid parental leave under other exclu

BREAD FINANCIAL 401(K) PLAN ADOPTED USING T. ROWE PRICE RETIREMENT PLAN SERVICES, INC. PRE-APPROVED DEFINED CONTRIBUTION PLAN ADOPTION AGREEMENT NO. 002 BASIC PLAN DOCUMENT NO. 15

EX-99.2 Exhibit 99.2 BREAD FINANCIAL 401(K) PLAN ADOPTED USING T. ROWE PRICE RETIREMENT PLAN SERVICES, INC. PRE-APPROVED DEFINED CONTRIBUTION PLAN ADOPTION AGREEMENT NO. 002 WITH BASIC PLAN DOCUMENT NO. 15 9/13/2023 10:20 AM EST TABLE OF CONTENTS SECTION 1. SERVICE PROVIDER INFORMATION 2 SECTION 2. PLAN SPONSOR INFORMATION 2 SECTION 3. PARTICIPATION BY OTHER EMPLOYERS 2 SECTION 4. GENERAL PLAN INF

As filed with the Securities and Exchange Commission on May 26, 2026

S-8 As filed with the Securities and Exchange Commission on May 26, 2026 Registration No.

FIRST AMENDMENT BREAD FINANCIAL 401(K) PLAN

EX-99.3 Exhibit 99.3 FIRST AMENDMENT TO BREAD FINANCIAL 401(K) PLAN Bread Financial 401(k) Plan, originally effective as of January 1, 1996, as presently maintained under an amendment and restatement made effective as of September 19, 2023, is hereby amended effective as of October 1, 2023, in the following respects: FIRST CHANGE Section 12.3 of the Adoption Agreement is amended to add Early Retir

Table 1: Newly Registered Securities

Calculation of Filing Fee Tables S-8 BREAD FINANCIAL HOLDINGS, INC. Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Common Stock Other 1,425,831 $ 85.26 $ 121,566,351.06 0.0001381 $ 16,788.31 Total Offering Amounts: $

Table 1: Newly Registered Securities

Calculation of Filing Fee Tables S-8 BREAD FINANCIAL HOLDINGS, INC. Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Common Stock Other 1,097,822 $ 85.26 $ 93,600,303.72 0.0001381 $ 12,926.20 Total Offering Amounts: $ 9

AMENDMENT NO. 2 TO THE ADOPTION AGREEMENT BREAD FINANCIAL PAYMENTS, INC. PRUDENTIAL TRUST COMPANY

EX-99.4 Exhibit 99.4 Identifying No. 871453 AMENDMENT NO. 2 TO THE ADOPTION AGREEMENT BETWEEN BREAD FINANCIAL PAYMENTS, INC. AND PRUDENTIAL TRUST COMPANY The parties hereto desire to amend the Adoption Agreement by and between BREAD FINANCIAL PAYMENTS, INC. (the “Applicant”) as authorized fiduciary under the BREAD FINANCIAL 401(K) PLAN (the “Plan”), and PRUDENTIAL TRUST COMPANY (the “Trust Company

T. ROWE PRICE RETIREMENT PLAN SERVICES, INC. PRE-APPROVED DEFINED CONTRIBUTION PLAN Basic Plan Document No. 15

EX-99.1 Exhibit 99.1 T. ROWE PRICE RETIREMENT PLAN SERVICES, INC. PRE-APPROVED DEFINED CONTRIBUTION PLAN Basic Plan Document No. 15 ©2020 Document Agility, Inc. TABLE OF CONTENTS PREAMBLE 1 ARTICLE I DEFINITIONS AND INTERPRETATION 1 1.1 PLAN DEFINITIONS 1 1.2 INTERPRETATION 17 ARTICLE II SERVICE 17 2.1 SPECIAL DEFINITIONS 17 2.2 CREDITING OF HOURS OF SERVICE 17 2.3 HOURS OF SERVICE EQUIVALENCIES 1

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): May 19, 2026 BREAD FINANCIAL HOLDINGS, INC. (Ex

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): May 19, 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)

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): May 15, 2026 BREAD FINANCIAL HOLDINGS, INC. (Ex

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): May 15, 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)

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR APRIL 2026

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR APRIL 2026 COLUMBUS, Ohio, May 15, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s Net principal loss rate and Deli

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 BREAD FINANCIAL HOLDINGS, INC. (Exact name of R

8-A12B UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 BREAD FINANCIAL HOLDINGS, INC. (Exact name of Registrant as specified in its charter) Delaware 31-1429215 (State or Other Jurisdiction of Incorporation or Organization) (I.R.S. Employer Iden

4,800,000 DEPOSITARY SHARES EACH REPRESENTING A 1/40TH INTEREST IN A SHARE OF 8.875% FIXED RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B OF BREAD FINANCIAL HOLDINGS, INC. Underwriting Agreement

EX-1.1 Exhibit 1.1 4,800,000 DEPOSITARY SHARES EACH REPRESENTING A 1/40TH INTEREST IN A SHARE OF 8.875% FIXED RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B OF BREAD FINANCIAL HOLDINGS, INC. Underwriting Agreement May 5, 2026 Morgan Stanley & Co. LLC 1585 Broadway New York, New York 10036 RBC Capital Markets, LLC Brookfield Place 200 Vesey Street, 8th Floor New York, New York 10281

DEPOSIT AGREEMENT BREAD FINANCIAL HOLDINGS, INC. COMPUTERSHARE INC. and COMPUTERSHARE TRUST COMPANY, N.A., as Depositary, THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of May 12, 2026

EX-4.1 Exhibit 4.1 DEPOSIT AGREEMENT among BREAD FINANCIAL HOLDINGS, INC. COMPUTERSHARE INC. and COMPUTERSHARE TRUST COMPANY, N.A., as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of May 12, 2026 TABLE OF CONTENTS Page ARTICLE I DEFINED TERMS 1 Section 1.1. Definitions 1 ARTICLE II FORM OF RECEIPTS, DEPOSIT OF SERIES B PREFERRED STOCK, EXECUTIO

CERTIFICATE OF DESIGNATIONS 8.875% FIXED RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B OF BREAD FINANCIAL HOLDINGS, INC. Effective as of May 12, 2026 at 12:01 AM Eastern Standard Time

EX-3.1 Exhibit 3.1 CERTIFICATE OF DESIGNATIONS OF 8.875% FIXED RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B OF BREAD FINANCIAL HOLDINGS, INC. Effective as of May 12, 2026 at 12:01 AM Eastern Standard Time Bread Financial Holdings, Inc., a corporation organized and existing under the General Corporation Law of the State of Delaware (the “Corporation”), in accordance with the provis

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): May 12, 2026 BREAD FINANCIAL HOLDINGS, INC. (Ex

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): May 12, 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)

NYSE CERTIFICATION

New York Stock Exchange 11 Wall Street New York, NY 10005 Tel: +1 212.656.3000 nyse.com May 12, 2026 Chief, Information Technology Securities and Exchange Commission Division of Corporate Finance 100 F Street, NE MS 3040 Washington, DC 20549 To whom it may concern: The New York Stock Exchange certifies its approval for listing and registration of the Depositary Shares Each Representing a 1/40th In

Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series B Preferred Stock

Exhibit 99.1 Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series B Preferred Stock COLUMBUS, Ohio, May 5, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today the pricing of its previously announced underwritten public offering of 4,800,000 depositary shares (the “Depositary Shares”), each repr

4,800,000 Depositary Shares Each Representing a 1/40th Interest in a Share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

424B5 Filed Pursuant to Rule 424(b)(5) Registration No. 333-291573 PROSPECTUS SUPPLEMENT TO THE PROSPECTUS DATED NOVEMBER 17, 2025 4,800,000 Depositary Shares Each Representing a 1/40th Interest in a Share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B We are offering depositary shares, each representing a 1/40th ownership interest in a share of our 8.875% Fixed Rate

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): May 5, 2026 BREAD FINANCIAL HOLDINGS, INC. (Exa

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): May 5, 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) (

Security Type

Calculation of Filing Fee Tables S-3 BREAD FINANCIAL HOLDINGS, INC. Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forw

SUBJECT TO COMPLETION, DATED MAY 5, 2026

424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-291573 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell these securities and are not soliciting an offer to buy these securities in any jurisdiction where the offer or sale is not p

Bread Financial Holdings, Inc. 4,800,000 Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B Pricing Term Sheet

FWP Filed Pursuant to Rule 433 Registration No. 333-291573 May 5, 2026 Bread Financial Holdings, Inc. 4,800,000 Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B Pricing Term Sheet The information in this pricing term sheet relates to the offering by Bread Financial Holdings, Inc. (the “Issuer”), and shou

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): May 5, 2026 BREAD FINANCIAL HOLDINGS, INC. (Exa

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): May 5, 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) (

Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series B Preferred Stock

Exhibit 99.1 Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series B Preferred Stock COLUMBUS, Ohio, May 5, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today the launch of an underwritten public offering of depositary shares (the “Depositary Shares”), each representing a 1/40th interest in a sh

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 BREAD FINANCIAL HOLDINGS,

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR MARCH 2026

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR MARCH 2026 COLUMBUS, Ohio, April 23, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s Net principal loss rate and De

Bread Financial | April 23, 2026 1 "Bread Financial delivered impressive first quarter results underscored by a return to loan growth with end-of-period loans up 2% year-over-year, alongside increasing growth in credit sales and improved credit metri

exh991-1q26bfheprfinal Bread Financial | April 23, 2026 1 "Bread Financial delivered impressive first quarter results underscored by a return to loan growth with end-of-period loans up 2% year-over-year, alongside increasing growth in credit sales and improved credit metrics.

Bread Financial Holdings, Inc Financial Supplement First Quarter 2026 Table of Contents Page Number Table 1: Consolidated Statements of Income 2 Table 2: Consolidated Balance Sheets 3 Table 3: Select Financial Metrics 4 Table 4: Capital Ratios 5 Tabl

exh992-1q26bfhfinancials Bread Financial Holdings, Inc Financial Supplement First Quarter 2026 Table of Contents Page Number Table 1: Consolidated Statements of Income 2 Table 2: Consolidated Balance Sheets 3 Table 3: Select Financial Metrics 4 Table 4: Capital Ratios 5 Table 5: Average Balances and Net Interest Margin 6 Table 6: Reconciliation of GAAP to Non-GAAP Financial Measures 7 Glossary of Terms 9 Note: The information contained in this Financial Supplement is preliminary and based on data available at the time of the earnings presentation.

Bread Financial Declares Dividends on Preferred and Common Stock

Exhibit 99.3 Bread Financial Declares Dividends on Preferred and Common Stock COLUMBUS, Ohio – April 23, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced that its Board of Directors declared quarterly dividends on its preferred and common stock for the second quarte

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): April 23, 2026 BREAD FINANCIAL HOLDINGS, INC. (

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): April 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

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): April 23, 2026 BREAD FINANCIAL HOLDINGS, INC. (

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): April 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

ARS

Newsweek’s Most Responsible Companies Newsweek’s Most Trustworthy Companies in America Great Place to Work Certified (both U.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy State

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defi

COURTESY COPY OF FILING_HTML_-_BFH_-_2026

2026 Proxy Statement0 Dear Fellow Bread Financial Stockholders Bread Financial delivered another year of strong operating and financial results building on the foundation we established in prior years.

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR FEBRUARY 2026

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR FEBRUARY 2026 COLUMBUS, Ohio, March 11, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s Net principal loss rate and

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): March 11, 2026 BREAD FINANCIAL HOLDINGS, INC. (

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): March 11, 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

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): February 26, 2026 BREAD FINANCIAL HOLDINGS, INC

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): February 26, 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 Num

Bread Financial Announces $600 Million Increase in Share Repurchase Authority

Exhibit 99.1 Bread Financial Announces $600 Million Increase in Share Repurchase Authority COLUMBUS, Ohio, February 26, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) today announced that its Board of Directors (the “Board”) has approved a $600 million increase to the Company’s existing share repurchase authorization. As of December 31, 2025, the Company had

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): February 17, 2026 BREAD FINANCIAL HOLDINGS, INC

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): February 17, 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 Num

Bread Financial Holdings, Inc. and [DEALER]

Exhibit 10.1 TERMINATION AGREEMENT dated as of February 17, 2026 between Bread Financial Holdings, Inc. and [DEALER] THIS TERMINATION AGREEMENT (this “Agreement”) with respect to the Capped Call Confirmations (as defined below) is made as of February 17, 2026, between Bread Financial Holdings, Inc. (“Company”) and [Dealer] (“Dealer”). WHEREAS, Company issued USD 316,250,000 principal amount of 4.2

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Exhibit 97 Compensation Recoupment Policy Compensation Recoupment Policy Table of Contents 1.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-157

BREAD FINANCIAL HOLDINGS, INC., as Issuer AND EACH OF THE GUARANTORS PARTY HERETO, as Guarantors 6.750% SENIOR NOTES DUE 2031 Dated as of November 6, 2025 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS

EXHIBIT 10.120 BREAD FINANCIAL HOLDINGS, INC., as Issuer AND EACH OF THE GUARANTORS PARTY HERETO, as Guarantors 6.750% SENIOR NOTES DUE 2031 INDENTURE Dated as of November 6, 2025 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS Page Article 1 Definitions and Incorporation by Reference 1 Section 1.01. Definitions 1 Section 1.02. Rules of Construction 41 Section 1.03. Inc

DESCRIPTION OF CAPITAL STOCK

EXHIBIT 4.2 DESCRIPTION OF CAPITAL STOCK General Bread Financial Holdings, Inc.’s (the “Company,” “us,” “we” or “our”) Third Amended and Restated Certificate of Incorporation, as amended (“charter”) is filed as Exhibits 3.1, 3.2 and 3.3 to this Annual Report on Form 10-K and incorporated herein by reference. Our Sixth Amended and Restated Bylaws (“bylaws”) is filed as Exhibit 3.4 to this Annual Re

Subsidiaries of Bread Financial Holdings, Inc. A Delaware Corporation (as of December 31, 2025)

Exhibit 21 Subsidiaries of Bread Financial Holdings, Inc. A Delaware Corporation (as of December 31, 2025) Subsidiary Jurisdiction of Organization Other Business Names ADS Card Services Foreign Holdings B.V. Netherlands None Bread Financial Canada Co. Nova Scotia, Canada None Bread Financial Global Solutions India LLP India None Bread Financial Payments, Inc. Delaware None Bread Reinsurance Ltd. B

TWELFTH AMENDMENT TO FOURTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT

EXECUTION VERSION EXHIBIT 10.116 TWELFTH AMENDMENT TO FOURTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT This TWELFTH AMENDMENT TO FOURTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT, dated as of September 19, 2025 (this “Amendment”), is made between World Financial Network Credit Card Master Note Trust, as Issuer (the “Issuer”), and U.S. Bank National Association, as In

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Exhibit 19 Insider Trading Policy Table of Contents 1.0 Policy Overview 3 1.1 Purpose 3 1.2 Scope 3 1.3 Objectives 3 2.0 Key Terms and Definitions 3 3.0 Policy Elements 4 3.1 Restrictions Applicable to all Insiders 4 3.2 Additional Restrictions Applicable to Covered Persons 5 3.3 Restrictions Applicable to the Company 7 3.4 Transactions Covered by This Policy 7 3.5 Unauthorized Disclosure of Mater

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JANUARY 2026

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JANUARY 2026 COLUMBUS, Ohio, February 10, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s Net principal loss rate a

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): February 10, 2026 BREAD FINANCIAL HOLDINGS, INC

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): February 10, 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 Num

Bread Financial | January 29, 2026 1 "Our 2025 financial and operational performance underscore our disciplined approach to growing responsibly, building financial resilience, and advancing operational excellence, positioning us well as we enter 2026

exhibit991epr01-29x26 Bread Financial | January 29, 2026 1 "Our 2025 financial and operational performance underscore our disciplined approach to growing responsibly, building financial resilience, and advancing operational excellence, positioning us well as we enter 2026.

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR DECEMBER 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR DECEMBER 2025 COLUMBUS, Ohio, January 29, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinqu

Fourth quarter and full year 2025 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 January 29, 2026 Exhibit 99.3 2©2026 Bread Financial Delivered responsible growth • Added new relationships in diversi

exhibit993slides01-29x26 Fourth quarter and full year 2025 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 January 29, 2026 Exhibit 99.

Bread Financial Holdings, Inc Financial Supplement Fourth Quarter 2025 Table of Contents Page Number Table 1: Consolidated Statements of Income 2 Table 2: Consolidated Balance Sheets 3 Table 3: Select Financial Metrics 4 Table 4: Capital Ratios 5 Tab

exhibit992financialsuppl Bread Financial Holdings, Inc Financial Supplement Fourth Quarter 2025 Table of Contents Page Number Table 1: Consolidated Statements of Income 2 Table 2: Consolidated Balance Sheets 3 Table 3: Select Financial Metrics 4 Table 4: Capital Ratios 5 Table 5: Average Balances and Net Interest Margin 6 Table 6: Reconciliation of GAAP to Non-GAAP Financial Measures 7 Glossary of Terms 9 Note: The information contained in this Financial Supplement is preliminary and based on data available at the time of the earnings presentation.

Bread Financial Declares Dividends on Preferred and Common Stock

Exhibit 99.4 Bread Financial Declares Dividends on Preferred and Common Stock COLUMBUS, Ohio – January 29, 2026 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared quarterly dividends on its preferred and common stock for the first quarter o

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): January 29, 2026 BREAD FINANCIAL HOLDINGS, INC.

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): January 29, 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 Numb

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): January 29, 2026 BREAD FINANCIAL HOLDINGS, INC.

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): January 29, 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 Numb

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR NOVEMBER 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR NOVEMBER 2025 COLUMBUS, Ohio, December 10, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinq

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): December 10, 2025 BREAD FINANCIAL HOLDINGS, INC

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): December 10, 2025 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 Num

DEPOSIT AGREEMENT BREAD FINANCIAL HOLDINGS, INC. COMPUTERSHARE INC. and COMPUTERSHARE TRUST COMPANY, N.A., as Depositary, THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of November 25, 2025

EX-4.1 Exhibit 4.1 DEPOSIT AGREEMENT among BREAD FINANCIAL HOLDINGS, INC. COMPUTERSHARE INC. and COMPUTERSHARE TRUST COMPANY, N.A., as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of November 25, 2025 TABLE OF CONTENTS Page ARTICLE I DEFINED TERMS 1 Section 1.1 Definitions 1 ARTICLE II FORM OF RECEIPTS, DEPOSIT OF SERIES A PREFERRED STOCK, EXEC

CERTIFICATE OF DESIGNATIONS 8.625% NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A OF BREAD FINANCIAL HOLDINGS, INC. Effective as of November 25, 2025 at 12:01 AM Eastern Standard Time

EX-3.1 Exhibit 3.1 CERTIFICATE OF DESIGNATIONS OF 8.625% NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A OF BREAD FINANCIAL HOLDINGS, INC. Effective as of November 25, 2025 at 12:01 AM Eastern Standard Time Bread Financial Holdings, Inc., a corporation organized and existing under the General Corporation Law of the State of Delaware (the “Corporation”), in accordance with the provisions of Sect

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 BREAD FINANCIAL HOLDINGS, INC. (Exact name of R

8-A12B UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 BREAD FINANCIAL HOLDINGS, INC. (Exact name of Registrant as specified in its charter) Delaware 31-1429215 (State or Other Jurisdiction of Incorporation or Organization) (I.R.S. Employer Iden

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): November 25, 2025 BREAD FINANCIAL HOLDINGS, INC

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): November 25, 2025 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 Num

3,000,000 DEPOSITARY SHARES EACH REPRESENTING A 1/40TH INTEREST IN A SHARE OF 8.625% NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A OF BREAD FINANCIAL HOLDINGS, INC. Underwriting Agreement

EX-1.1 Exhibit 1.1 3,000,000 DEPOSITARY SHARES EACH REPRESENTING A 1/40TH INTEREST IN A SHARE OF 8.625% NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A OF BREAD FINANCIAL HOLDINGS, INC. Underwriting Agreement November 20, 2025 Wells Fargo Securities, LLC 550 South Tryon Street, 5th Floor Charlotte, North Carolina 28202 J.P. Morgan Securities LLC 270 Park Avenue New York, New York 10017 Morgan S

NYSE CERTIFICATION

New York Stock Exchange 11 Wall Street New York, NY 10005 Tel: +1 212.656.3000 nyse.com November 25, 2025 Chief, Information Technology Securities and Exchange Commission Division of Corporate Finance 100 F Street, NE MS 3040 Washington, DC 20549 To whom it may concern: The New York Stock Exchange certifies its approval for listing and registration of the Depositary Shares Each Representing a 1/40

Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series A Preferred Stock

Exhibit 99.1 Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series A Preferred Stock COLUMBUS, Ohio, November 20, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today the pricing of its previously announced underwritten public offering of depositary shares (the “Depositary Shares”), each represen

3,000,000 Depositary Shares Each Representing a 1/40th Interest in a Share of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A

424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-291573 PROSPECTUS SUPPLEMENT TO THE PROSPECTUS DATED NOVEMBER 17, 2025 3,000,000 Depositary Shares Each Representing a 1/40th Interest in a Share of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A We are offering depositary shares, each representing a 1/40th ownership interest in a share of our 8.625% Non-Cumul

Security Type

Calculation of Filing Fee Tables S-3 BREAD FINANCIAL HOLDINGS, INC. Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forw

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): November 20, 2025 BREAD FINANCIAL HOLDINGS, INC

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): November 20, 2025 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 Num

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): November 20, 2025 BREAD FINANCIAL HOLDINGS, INC

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): November 20, 2025 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 Num

Bread Financial Holdings, Inc. 3,000,000 Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A Pricing Term Sheet

FWP Filed Pursuant to Rule 433 Registration No. 333-291573 November 20, 2025 Bread Financial Holdings, Inc. 3,000,000 Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A Pricing Term Sheet The information in this pricing term sheet relates to the offering by Bread Financial Holdings, Inc. (the “Issuer”), and should be read

SUBJECT TO COMPLETION, DATED NOVEMBER 20, 2025

424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-291573 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell these securities and are not soliciting an offer to buy these securities in any jurisdiction where the offer or sale is not p

Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series A Preferred Stock

Exhibit 99.1 Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series A Preferred Stock COLUMBUS, Ohio, November 20, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today the launch of an underwritten public offering of depositary shares (the “Depositary Shares”), each representing a 1/40th interest i

As filed with the Securities and Exchange Commission on November 17, 2025

S-3ASR Table of Contents As filed with the Securities and Exchange Commission on November 17, 2025 Registration No.

Security Type

Calculation of Filing Fee Tables S-3 BREAD FINANCIAL HOLDINGS, INC. Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forw

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR OCTOBER 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR OCTOBER 2025 COLUMBUS, Ohio, November 13, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinqu

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): November 13, 2025 BREAD FINANCIAL HOLDINGS, INC

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): November 13, 2025 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 Num

BREAD FINANCIAL HOLDINGS, INC., as Issuer 8.375% FIXED-RATE RESET SUBORDINATED NOTES DUE 2035 Dated as of November 6, 2025 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS

Exhibit 4.1 BREAD FINANCIAL HOLDINGS, INC., as Issuer 8.375% FIXED-RATE RESET SUBORDINATED NOTES DUE 2035 INDENTURE Dated as of November 6, 2025 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS Page Article 1 Definitions and Incorporation by Reference 1 Section 1.01. Definitions 1 Section 1.02. Rules of Construction 41 Section 1.03. Incorporation by Reference of Trust In

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): November 6, 2025 BREAD FINANCIAL HOLDINGS, INC.

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): November 6, 2025 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 Numb

BREAD FINANCIAL ANNOUNCES PRICING OF PRIVATE OFFERING OF $500 MILLION OF SENIOR NOTES

Exhibit 99.1 BREAD FINANCIAL ANNOUNCES PRICING OF PRIVATE OFFERING OF $500 MILLION OF SENIOR NOTES COLUMBUS, Ohio, October 28, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today the pricing of its previously announced offering of $500 million in aggregate principal amount of its 6.750% senior notes due 2031 (the “Notes”), in a private offering th

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): October 28, 2025 BREAD FINANCIAL HOLDINGS, INC.

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): October 28, 2025 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 Numb

BREAD FINANCIAL HOLDINGS, INC. $500,000,000 6.750% Senior Notes due 2031 Purchase Agreement

Exhibit 10.1 BREAD FINANCIAL HOLDINGS, INC. $500,000,000 6.750% Senior Notes due 2031 Purchase Agreement October 28, 2025 Wells Fargo Securities, LLC 550 South Tryon Street, 5th Floor Charlotte, North Carolina 28202 BMO Capital Markets Corp. 151 W. 42nd Street New York, New York 10036 As Representatives of the several Initial Purchasers listed in Schedule 1 hereto Ladies and Gentlemen: Bread Finan

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 BREAD FINANCIAL HOLDIN

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): October 28, 2025 BREAD FINANCIAL HOLDINGS, INC.

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): October 28, 2025 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 Numb

CERTIFICATE OF ELIMINATION OF THE SERIES A PREFERRED STOCK OF BREAD FINANCIAL HOLDINGS, INC. Pursuant to Section 151(g) of the General Corporation Law of the State of Delaware

Exhibit 3.3 CERTIFICATE OF ELIMINATION OF THE SERIES A PREFERRED STOCK OF BREAD FINANCIAL HOLDINGS, INC. Pursuant to Section 151(g) of the General Corporation Law of the State of Delaware Bread Financial Holdings, Inc., a corporation organized and existing under the laws of the State of Delaware (the “Company”), in accordance with the provisions of Section 151(g) of the General Corporation Law of

Bread FinancialTM Announces Private Offering of Senior Notes

Exhibit 99.1 Bread FinancialTM Announces Private Offering of Senior Notes COLUMBUS, Ohio, October 28, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today that it intends to offer, subject to market and other conditions, $500 million aggregate principal amount of senior notes (the “Notes”) in a private offering that is exempt from the registration

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): October 23, 2025 BREAD FINANCIAL HOLDINGS, INC.

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): October 23, 2025 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 Numb

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR SEPTEMBER 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR SEPTEMBER 2025 COLUMBUS, Ohio, October 23, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinq

Third quarter 2025 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 October 23, 2025 2©2025 Bread Financial Key highlights Third quarter 2025 Demonstrated financial resilience and strategic capital all

exh992slides10-23x25 Third quarter 2025 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 October 23, 2025 2©2025 Bread Financial Key highlights Third quarter 2025 Demonstrated financial resilience and strategic capital allocation • Enhanced financial resilience through ongoing operational excellence initiatives, responsible growth, proactive credit risk management, and prudent capital allocation.

Bread Financial Announces Increased Dividend on Common Stock and $200 Million Increase in Share Repurchase Authority

Exhibit 99.3 Bread Financial Announces Increased Dividend on Common Stock and $200 Million Increase in Share Repurchase Authority COLUMBUS, Ohio – October 23, 2025 – Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividen

Bread Financial | October 23, 2025 1 Bread Financial reports third quarter 2025 results COLUMBUS, Ohio, October 23, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized paymen

exh991epr10-23x25 Bread Financial | October 23, 2025 1 Bread Financial reports third quarter 2025 results COLUMBUS, Ohio, October 23, 2025 – Bread Financial Holdings, Inc.

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): October 23, 2025 BREAD FINANCIAL HOLDINGS, INC.

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): October 23, 2025 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 Numb

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR AUGUST 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR AUGUST 2025 COLUMBUS, Ohio, September 9, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinque

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): September 9, 2025 BREAD FINANCIAL HOLDINGS, INC

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): September 9, 2025 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 Num

Bread Financial Announces Approval of $200 Million Share Repurchase Program

Exhibit 99.1 Bread Financial Announces Approval of $200 Million Share Repurchase Program Columbus, Ohio, August 27, 2025 – Bread Financial® Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) today announced that its Board of Directors (the “Board”) has authorized a new plan to repurchase up to $200 million of shares of its common stock. There is no expiration date for the repurchase p

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): August 27, 2025 BREAD FINANCIAL HOLDINGS, INC.

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): August 27, 2025 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 Numbe

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): August 22, 2025 BREAD FINANCIAL HOLDINGS, INC.

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): August 22, 2025 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 Numbe

BREAD FINANCIAL ANNOUNCES EXPIRATION AND RESULTS OF ITS PREVIOUSLY ANNOUNCED CASH TENDER OFFERS

Exhibit 99.1 BREAD FINANCIAL ANNOUNCES EXPIRATION AND RESULTS OF ITS PREVIOUSLY ANNOUNCED CASH TENDER OFFERS Columbus, Ohio, August 22, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced that its previously announced cash tender offers (the “Tender Offers”) described in the Offer to Purchase, dated July 24, 2025 (as amended, the “Offer to Purchase”) ex

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JULY 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JULY 2025 COLUMBUS, Ohio, August 15, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinquency

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): August 15, 2025 BREAD FINANCIAL HOLDINGS, INC.

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): August 15, 2025 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 Numbe

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): August 7, 2025 BREAD FINANCIAL HOLDINGS, INC. (

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): August 7, 2025 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

BREAD FINANCIAL ANNOUNCES EARLY TENDER RESULTS OF ITS PREVIOUSLY ANNOUNCED CASH TENDER OFFERS AND EXTENDS TOTAL CONSIDERATION THROUGH THE EXPIRATION DATE

Exhibit 99.1 BREAD FINANCIAL ANNOUNCES EARLY TENDER RESULTS OF ITS PREVIOUSLY ANNOUNCED CASH TENDER OFFERS AND EXTENDS TOTAL CONSIDERATION THROUGH THE EXPIRATION DATE Columbus, Ohio, August 7, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced that as of 5:00 p.m., New York City time, on August 6, 2025 (the “Early Participation Date”), pursuant to and

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 BREAD FINANCIAL HOLDINGS, I

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 24, 2025 BREAD FINANCIAL HOLDINGS, INC. (E

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 24, 2025 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)

Bread Financial Announces Modified Dutch Auction Cash Tender Offers for 9.750% Senior Notes Due 2029 and/or 8.375% Fixed-Rate Subordinated Notes due 2035

Exhibit 99.1 Bread Financial Announces Modified Dutch Auction Cash Tender Offers for 9.750% Senior Notes Due 2029 and/or 8.375% Fixed-Rate Subordinated Notes due 2035 Columbus, Ohio, July 24, 2025 — Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) today announced it has commenced cash tender offers (the “Tender Offers” and each, a “Tender Offer”) to purchase up to $1

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 24, 2025 BREAD FINANCIAL HOLDINGS, INC. (E

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 24, 2025 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)

Second quarter 2025 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 July 24, 2025 Exhibit 99.2 2©2025 Bread Financial Key highlights Second quarter 2025 Demonstrated financial resilience and focused c

exhibit992slides7-24x25 Second quarter 2025 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 July 24, 2025 Exhibit 99.

Bread Financial Declares Dividend on Common Stock

Exhibit 99.3 Bread Financial Declares Dividend on Common Stock COLUMBUS, Ohio – July 24, 2025 – Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company’s common stock, payable on Septemb

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 24, 2025 BREAD FINANCIAL HOLDINGS, INC. (E

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 24, 2025 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)

Bread Financial | July 24, 2025 1 Bread Financial reports second quarter 2025 results COLUMBUS, Ohio, July 24, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, le

exhibit991epr7-24x25 Bread Financial | July 24, 2025 1 Bread Financial reports second quarter 2025 results COLUMBUS, Ohio, July 24, 2025 – Bread Financial Holdings, Inc.

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JUNE 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JUNE 2025 COLUMBUS, Ohio, July 24, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinquency ra

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Exhibit 23.01 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in Registration Statement No. 333-65556 of Bread Financial Holdings, Inc. on Form S-8 of our report dated June 18, 2025, with respect to the financial statements and supplemental information of the Bread Financial 401(k) Plan included in this Annual Report on Form 11-K for the year e

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-15749 A. Full title of the pl

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR MAY 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR MAY 2025 COLUMBUS, Ohio, June 11, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinquency rat

Regulation FD Disclosure, Financial Statements and Exhibits

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): June 11, 2025 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)

Current Report

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): June 5, 2025 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)

BREAD FINANCIAL ANNOUNCES EARLY TENDER RESULTS OF ITS PREVIOUSLY ANNOUNCED CASH TENDER OFFER

Exhibit 99.1 BREAD FINANCIAL ANNOUNCES EARLY TENDER RESULTS OF ITS PREVIOUSLY ANNOUNCED CASH TENDER OFFER Columbus, Ohio, June 5, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced that as of 5:00 p.m., New York City time, on June 4, 2025 (the “Early Participation Date”), pursuant to and in accordance with its previously announced cash tender offer (th

Bread Financial Announces Modified Dutch Auction Cash Tender Offer for 9.750% Senior Notes Due 2029

Exhibit 99.1 Bread Financial Announces Modified Dutch Auction Cash Tender Offer for 9.750% Senior Notes Due 2029 Columbus, Ohio, May 21, 2025 — Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) today announced it has commenced a cash tender offer (the “Tender Offer”) to purchase up to $150.0 million (subject to increase, the “Tender Cap”) aggregate principal amount of

Financial Statements and Exhibits, Other Events

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): May 21, 2025 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)

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): May 13, 2025 BREAD FINANCIAL HOLDINGS, INC. (Ex

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): May 13, 2025 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)

Regulation FD Disclosure, Financial Statements and Exhibits

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): May 13, 2025 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)

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR APRIL 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR APRIL 2025 COLUMBUS, Ohio, May 13, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinquency ra

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 BREAD FINANCIAL HOLDINGS,

First quarter 2025 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 April 24, 2025 Exhibit 99.2 2©2025 Bread Financial Key highlights First quarter 2025 Demonstrated financial resilience and opportunis

exhibit992form8-k4x24x25 First quarter 2025 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 April 24, 2025 Exhibit 99.

Bread Financial | April 24, 2025 1 "In the first quarter, we continued to demonstrate our financial resilience with net income of $138 million and by increasing our tangible book value per common share to $48.92. We advanced our ongoing efforts to op

exhibit991form8-k4x24x25 Bread Financial | April 24, 2025 1 "In the first quarter, we continued to demonstrate our financial resilience with net income of $138 million and by increasing our tangible book value per common share to $48.

Bread Financial Declares Dividend on Common Stock

Exhibit 99.3 Bread Financial Declares Dividend on Common Stock COLUMBUS, Ohio – April 24, 2025 – Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company’s common stock, payable on June 1

Regulation FD Disclosure, Financial Statements and Exhibits

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): April 24, 2025 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

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): April 24, 2025 BREAD FINANCIAL HOLDINGS, INC. (

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): April 24, 2025 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

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR MARCH 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR MARCH 2025 COLUMBUS, Ohio, April 24, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinquency

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Pro

ARS

Annual Report 2024 Bread Financial | 2024 Annual Report12.4% <115% Lowered Double Leverage to 105%, Achieving Target Of: Increased Common Equity Tier 1 Captial Ratio To: Increased Tangible Book Value Per Common Share To: Repurchased Nearly All Of Our Convertible Notes: $306m (principal amount repurchased) * Tangible book value per common share is a non-GAAP financial measure; see the reconciliatio

Regulation FD Disclosure, Financial Statements and Exhibits

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): March 17, 2025 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

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR FEBRUARY 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR FEBRUARY 2025 COLUMBUS, Ohio, March 17, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinquen

Indenture, dated as of March 10, 2025, among Bread Financial Holdings, Inc. and U.S. Bank Trust Company, National Association, as trustee (including the form of the Company’s 8.375% Fixed-Rate Reset Subordinated Notes due June 15, 2035).

Exhibit 4.1 BREAD FINANCIAL HOLDINGS, INC., as Issuer 8.375% FIXED-RATE RESET SUBORDINATED NOTES DUE 2035 INDENTURE Dated as of March 10, 2025 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee TABLE OF CONTENTS Page Article 1 Definitions and Incorporation by Reference 1 Section 1.01. Definitions 1 Section 1.02. Rules of Construction 8 Section 1.03. Incorporation by Reference of Trust Inden

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

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): March 10, 2025 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

BREAD FINANCIAL HOLDINGS, INC. 8.375% Fixed-Rate Reset Subordinated Notes due 2035 Purchase Agreement

Exhibit 10.1 BREAD FINANCIAL HOLDINGS, INC. 8.375% Fixed-Rate Reset Subordinated Notes due 2035 Purchase Agreement March 5, 2025 J.P. Morgan Securities LLC 383 Madison Avenue New York, New York 10179 BMO Capital Markets Corp. 151 W. 42nd Street New York, New York 10036 As Representatives of the several Initial Purchasers listed in Schedule 1 hereto Ladies and Gentlemen: Bread Financial Holdings, I

Bread Financial Announces Pricing of Private Offering of $400 million of Subordinated

Exhibit 99.1 Bread Financial Announces Pricing of Private Offering of $400 million of Subordinated Notes COLUMBUS, Ohio, March 5, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today the pricing of its previously announced offering of $400 million in aggregate principal amount of its 8.375% fixed-rate reset subordinated notes due 2035 (the “Notes”)

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): March 5, 2025 BREAD FINANCIAL HOLDINGS, INC. (E

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): March 5, 2025 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)

Bread FinancialTM Announces Private Offering of Subordinated Notes

Exhibit 99.2 Bread FinancialTM Announces Private Offering of Subordinated Notes COLUMBUS, Ohio, March 5, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today that it intends to offer, subject to market and other conditions, $400 million aggregate principal amount of fixed-rate reset subordinated notes (the “Notes”) in a private offering that is exe

Bread FinancialTM Announces Approval of $150 Million Share Repurchase Program

Exhibit 99.1 Bread FinancialTM Announces Approval of $150 Million Share Repurchase Program COLUMBUS, Ohio, March 5, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) today announced that its Board of Directors (the “Board”) has authorized a new plan to repurchase up to $150 million of shares of its common stock. There is no expiration date for the repurchase pl

Regulation FD Disclosure, Financial Statements and Exhibits, Other Events

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): March 5, 2025 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)

Supplemental Indenture No. 4 to Master Indenture, dated as of December 12, 2024, between World Financial Capital Master Note Trust and U.S. Bank National Association.

Exhibit 10.105 SUPPLEMENTAL INDENTURE NO. 4 TO MASTER INDENTURE This SUPPLEMENTAL INDENTURE NO. 4 TO MASTER INDENTURE, dated as of December 12, 2024 (this “Supplemental Indenture”) is made between the World Financial Capital Master Note Trust, as Issuer (the “Issuer”), and U.S. Bank National Association, successor in interest to Deutsche Bank Trust Company Americas, as Indenture Trustee (the “Inde

Second Amendment to Series 2023-VFN1 Indenture Supplement, dated as of December 20, 2024, between Comenity Capital Asset Securitization Trust and U.S. Bank Trust Company, National Association.

Exhibit 10.133 SECOND AMENDMENT TO SERIES 2023-VFN1 INDENTURE SUPPLEMENT This SECOND AMENDMENT TO SERIES 2023-VFN1 INDENTURE SUPPLEMENT, dated as of December 20, 2024 (this “Amendment”), is made between Comenity Capital Asset Securitization Trust, a Delaware statutory trust, as issuer (the “Issuer”), and U.S. Bank Trust Company, National Association, not in its individual capacity but solely as in

Amendment No. 2 to Receivables Purchase Agreement, dated as of December 12, 2024, between World Financial Capital Bank and World Financial Capital Credit Company, LLC.

Exhibit 10.100 AMENDMENT NO. 2 TO RECEIVABLES PURCHASE AGREEMENT THIS AMENDMENT NO. 2 TO RECEIVABLES PURCHASE AGREEMENT, dated as of December 12, 2024, to be effective as of February 1, 2025 (this “Amendment”), is between Comenity Capital Bank, a Utah industrial bank, as seller (the “RPA Seller”), and World Financial Capital Credit Company, LLC, a Delaware limited liability company, as purchaser (

Amendment No. 1 to Transfer Agreement, dated as of December 20, 2024, between Comenity Capital Credit Company, LLC and Comenity Capital Asset Securitization Trust.

Exhibit 10.109 AMENDMENT NO. 1 TO TRANSFER AGREEMENT THIS AMENDMENT NO. 1 TO TRANSFER AGREEMENT, dated as of December 20, 2024 (this “Amendment”), is between Comenity Capital Credit Company, LLC, as transferor (the “Transferor”), and Comenity Capital Asset Securitization Trust, as issuer (the “Issuer”). BACKGROUND WHEREAS, the Transferor and the Issuer are parties to a transfer agreement, dated as

First Amendment to Series 2024-VFN1 Indenture Supplement, dated as of December 20, 2024, between Comenity Capital Asset Securitization Trust and U.S. Bank Trust Company, National Association.

Exhibit 10.135 FIRST AMENDMENT TO SERIES 2024-VFN1 INDENTURE SUPPLEMENT This FIRST AMENDMENT TO SERIES 2024-VFN1 INDENTURE SUPPLEMENT, dated as of December 20, 2024 (this “Amendment”), is made between Comenity Capital Asset Securitization Trust, a Delaware statutory trust, as issuer (the “Issuer”), and U.S. Bank Trust Company, National Association, not in its individual capacity but solely as inde

Subsidiaries of the Registrant

Exhibit 21 Subsidiaries of Bread Financial Holdings, Inc. A Delaware Corporation (as of December 31, 2024) Subsidiary Jurisdiction of Organization Other Business Names ADS Card Services Foreign Holdings B.V. Netherlands None Bread Financial Canada Co. Nova Scotia, Canada None Bread Financial Global Solutions India LLP India None Bread Financial Payments, Inc. Delaware None Bread Reinsurance Ltd. B

Amendment No. 1 to Receivables Purchase Agreement, dated as of December 20, 2024, between Comenity Capital Bank and Comenity Capital Credit Company, LLC.

Exhibit 10.107 AMENDMENT NO. 1 TO RECEIVABLES PURCHASE AGREEMENT THIS AMENDMENT NO. 1 TO RECEIVABLES PURCHASE AGREEMENT, dated as of December 20, 2024 (this “Amendment”), is between Comenity Capital Bank, a Utah industrial bank, as seller (the “RPA Seller”), and Comenity Capital Credit Company, LLC, a Delaware limited liability company, as purchaser (the “Purchaser”). BACKGROUND WHEREAS, the RPA S

First Amendment and Consent to Series 2023-VFN1 Indenture Supplement, dated as of February 21, 2024, between Comenity Capital Asset Securitization Trust and U.S. Bank Trust Company, National Association.

Exhibit 10.132 FIRST AMENDMENT AND CONSENT TO SERIES 2023-VFN1 INDENTURE SUPPLEMENT This FIRST AMENDMENT AND CONSENT TO SERIES 2023-VFN1 INDENTURE SUPPLEMENT, dated as of February 21, 2024 (this “Amendment”), is made between Comenity Capital Asset Securitization Trust, a Delaware statutory trust, as issuer (the “Issuer”), and U.S. Bank Trust Company, National Association, not in its individual cap

read Financial Holdings, Inc. Insider Trading Policy

Exhibit 19 Insider Trading Policy Insider Trading Policy Table of Contents 1.0 Policy Overview 3 1.1 Purpose 3 1.2 Scope 3 1.3 Objectives 3 2.0 Certain Defined Terms 3 3.0 Policy Elements 4 3.1 Restrictions Applicable to all Insiders 4 3.2 Additional Restrictions Applicable to Covered Persons 6 3.3 Restrictions Applicable to the Company 6 3.4 Transactions Covered by This Policy 7 3.5 Unauthorized

Bread Financial Holdings, Inc. Compensation Recoupment Policy

Exhibit 97 Compensation Recoupment Policy Compensation Recoupment Policy Table of Contents 1.

Amendment No. 2 to Transfer and Servicing Agreement, dated as of December 12, 2024, among World Financial Capital Credit Company, LLC, World Financial Capital Bank and World Financial Capital Master Note Trust.

Exhibit 10.103 AMENDMENT NO. 2 TO TRANSFER AND SERVICING AGREEMENT THIS AMENDMENT NO. 2 TO TRANSFER AND SERVICING AGREEMENT, dated as of December 12, 2024, to be effective as of February 1, 2025 (this “Amendment”), is among World Financial Capital Credit Company, LLC, as transferor (the “Transferor”), Comenity Capital Bank, as servicer (the “Servicer”) and World Financial Capital Master Note Trust

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-157

Sixth Amended and Restated Series 2009-VFN Indenture Supplement, dated as of December 12, 2024, between World Financial Capital Master Note Trust and Deutsche Bank Trust Company Americas.

Exhibit 10.130 WORLD FINANCIAL CAPITAL MASTER NOTE TRUST Issuer And U.S. BANK NATIONAL ASSOCIATION Indenture Trustee SIXTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT Dated as of December 12, 2024 SIXTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT, dated as of December 12, 2024 (the “Indenture Supplement”), between WORLD FINANCIAL CAPITAL MASTER NOTE TRUST, a trust organ

Supplemental Indenture No. 1 to Master Indenture, dated as of December 20, 2024, between Comenity Capital Asset Securitization Trust and U.S. Bank Trust Company, National Association.

Exhibit 10.112 SUPPLEMENTAL INDENTURE NO. 1 TO MASTER INDENTURE This SUPPLEMENTAL INDENTURE NO. 1 TO MASTER INDENTURE, dated as of December 20, 2024 (this “Supplemental Indenture”) is made between the Comenity Capital Asset Securitization Trust, as Issuer (the “Issuer”), and U.S. Bank Trust Company, National Association, as Indenture Trustee (the “Indenture Trustee”), to the Master Indenture, date

Series 2024-VFN1 Indenture Supplement, dated as of February 21, 2024, between Comenity Capital Asset Securitization Trust and U.S. Bank Trust Company, National Association.

Exhibit 10.134 COMENITY CAPITAL ASSET SECURITIZATION TRUST Issuer And U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION Indenture Trustee SERIES 2024-VFN1 INDENTURE SUPPLEMENT Dated as of February 21, 2024 SERIES 2024-VFN1 INDENTURE SUPPLEMENT, dated as of February 21, 2024 (the “Indenture Supplement”), between COMENITY CAPITAL ASSET SECURITIZATION TRUST, a trust organized and existing under the laws

Eleventh Amendment to Fourth Amended and Restated Series 2009-VFN Indenture Supplement, dated as of April 26, 2024, between World Financial Network Credit Card Master Note Trust and U.S. Bank National Association, as successor to MUFG Union Bank, N.A.

Exhibit 10.124 ELEVENTH AMENDMENT TO FOURTH AMENDED AND RESTATED SERIES 2009- VFN INDENTURE SUPPLEMENT This ELEVENTH AMENDMENT TO FOURTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT, dated as of April 26, 2024 (this “Amendment”), is made between World Financial Network Credit Card Master Note Trust, as Issuer (the “Issuer”), and U.S. Bank National Association, as Indenture Trustee (in

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): February 11, 2025 BREAD FINANCIAL HOLDINGS, INC

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): February 11, 2025 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 Num

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JANUARY 2025

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JANUARY 2025 COLUMBUS, Ohio, February 11, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinqu

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR DECEMBER 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR DECEMBER 2024 COLUMBUS, Ohio, January 30, 2025 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indic

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

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): January 30, 2025 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 Numb

Bread Financial | January 30, 2025 1 • Relative to the fourth quarter of 2023: • Average loans decreased 1%, resulting from lower full year credit sales. • Common equity tier 1 (CET1) capital ratio increased 20 basis points to 12.4%. • Tangible book

Bread Financial | January 30, 2025 1 • Relative to the fourth quarter of 2023: • Average loans decreased 1%, resulting from lower full year credit sales.

Regulation FD Disclosure, Financial Statements and Exhibits

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): January 30, 2025 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 Numb

Bread Financial Declares Dividend on Common Stock

Exhibit 99.3 Bread Financial Declares Dividend on Common Stock COLUMBUS, Ohio – January 30, 2025 – Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company’s common stock, payable on Marc

Fourth quarter and full year 2024 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 January 30, 2025 Exhibit 99.2 2©2025 Bread Financial 2024 achievements Full year 2024 outlook Full year 2024 actuals A

Fourth quarter and full year 2024 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 January 30, 2025 Exhibit 99.

Other Events

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): December 31, 2024 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 Num

Regulation FD Disclosure, Financial Statements and Exhibits

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): December 11, 2024 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 Num

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR NOVEMBER 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR NOVEMBER 2024 COLUMBUS, Ohio, December 11, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indi

Regulation FD Disclosure, Financial Statements and Exhibits

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): December 2, 2024 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 Numb

Bread Financial Announces $25 Million Increase to 2024 Share Repurchase Program

Exhibit 99.1 Bread Financial Announces $25 Million Increase to 2024 Share Repurchase Program COLUMBUS, Ohio – December 2, 2024 – Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced that its Board of Directors has approved a $25 million increase to its previously-announced 20

BFH / Bread Financial Holdings, Inc. / Turtle Creek Asset Management Inc. Passive Investment

SC 13G/A 1 sayw2411140413ga.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* BREAD FINANCIAL HOLDINGS, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 018581108 (CUSIP Number) September 30, 2024 (Date of Event which Requires Filing of this Statement) Check the appropriate box to d

Regulation FD Disclosure, Financial Statements and Exhibits

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): November 14, 2024 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 Num

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR OCTOBER 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR OCTOBER 2024 COLUMBUS, Ohio, November 14, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indic

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 BREAD FINANCIAL HOLDIN

Bread Financial Third quarter 2024 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 October 24, 2024 Exhibit 99.2 2©2024 Bread Financial Demonstrated financial resilience and opportunistic capital allo

Bread Financial Third quarter 2024 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 October 24, 2024 Exhibit 99.

Bread Financial® Declares Dividend on Common Stock

Exhibit 99.3 Bread Financial® Declares Dividend on Common Stock COLUMBUS, Ohio – October 24, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company’s common stock, payable on Dece

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR SEPTEMBER 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR SEPTEMBER 2024 COLUMBUS, Ohio, October 24, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indi

Regulation FD Disclosure, Financial Statements and Exhibits

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): October 24, 2024 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 Numb

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): October 24, 2024 BREAD FINANCIAL HOLDINGS, INC.

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): October 24, 2024 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 Numb

Bread Financial | October 24, 2024 1 • Repurchased $262 million in principal amount of convertible notes, impacting pre-tax results by $96 million, primarily due to the repurchase premium paid. • Relative to the third quarter of 2023: • Average loans

Bread Financial | October 24, 2024 1 • Repurchased $262 million in principal amount of convertible notes, impacting pre-tax results by $96 million, primarily due to the repurchase premium paid.

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

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): October 18, 2024 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 Numb

AMENDMENT NO. 1 TO CREDIT AGREEMENT

Exhibit 10.1 Execution Version AMENDMENT NO. 1 TO CREDIT AGREEMENT This AMENDMENT NO. 1 TO CREDIT AGREEMENT (this “Amendment”) is entered into as of October 18, 2024 , by and among BREAD FINANCIAL HOLDINGS, INC., a Delaware corporation, as the borrower (the “Borrower”), each of the Guarantors party hereto, JPMORGAN CHASE BANK, N.A., as the administrative agent (the “Administrative Agent”), and eac

Regulation FD Disclosure, Financial Statements and Exhibits

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): September 16, 2024 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 Nu

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR AUGUST 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR AUGUST 2024 COLUMBUS, Ohio, September 16, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indic

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JULY 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JULY 2024 COLUMBUS, Ohio, August 15, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indicated.

Regulation FD Disclosure, Financial Statements and Exhibits

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): August 15, 2024 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 Numbe

BREAD FINANCIAL ANNOUNCES PARTIAL REPURCHASE OF 4.25% CONVERTIBLE SENIOR NOTES DUE 2028

Exhibit 99.1 BREAD FINANCIAL ANNOUNCES PARTIAL REPURCHASE OF 4.25% CONVERTIBLE SENIOR NOTES DUE 2028 Columbus, Ohio, August 9, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today that it has entered into separate, privately negotiated repurchase agreements with a limited number of holders of its 4.25% Convertible Senior Notes due 2028 (the “Notes”

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): August 9, 2024 BREAD FINANCIAL HOLDINGS, INC. (

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): August 9, 2024 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

Form of Non-employee Director Restricted Stock Unit Award Agreement under the Bread Financial Holdings, Inc. 2024 Omnibus Incentive Plan.

Exhibit 10.13 NON-EMPLOYEE DIRECTOR RESTRICTED STOCK UNIT AWARD AGREEMENT UNDER THE BREAD FINANCIAL HOLDINGS, INC. 2024 OMNIBUS INCENTIVE PLAN THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (the “Agreement”), made as of [•], 2024 (the “Grant Date”) by and between Bread Financial Holdings, Inc. (the “Company”) and [Name] (the “Participant”) who is a non-employee director of the Company. WHEREAS, pursua

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 BREAD FINANCIAL HOLDINGS, I

Form of Performance-Based Restricted Stock Unit Award Agreement under the Bread Financial Holdings, Inc. 2024 Omnibus Incentive Plan

Exhibit 10.12 PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT UNDER THE BREAD FINANCIAL 2024 OMNIBUS INCENTIVE PLAN THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (the “Agreement”), made as of [GRANT DATE] (the “Grant Date”), by and between Bread Financial Holdings, Inc. (the “Company”) and [PARTICIPANT NAME] (the “Participant”) who is an employee of the Company or one of its Affiliates, evide

Form of Time-Based Restricted Stock Unit Award Agreement under the Bread Financial Holdings, Inc. 2024 Omnibus Incentive Plan

Exhibit 10.11 TIME-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT UNDER THE BREAD FINANCIAL 2024 OMNIBUS INCENTIVE PLAN THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (the “Agreement”), made as of [GRANT DATE] (the “Grant Date”) by and between Bread Financial Holdings, Inc. (the “Company”) and [PARTICIPANT NAME] (the “Participant”) who is an employee of the Company or one of its Affiliates, evidences the

Bread Financial | July 25, 2024 1 • Relative to the second quarter of 2023: • Average credit card and other loans increased 1%, driven by ongoing growth in co-brand programs. • Net income increased $85 million, with Revenue decreasing $13 million, or

exhibit991 Bread Financial | July 25, 2024 1 • Relative to the second quarter of 2023: • Average credit card and other loans increased 1%, driven by ongoing growth in co-brand programs.

Bread FinancialTM Declares Dividend on Common Stock

Exhibit 99.3 Bread FinancialTM Declares Dividend on Common Stock COLUMBUS, Ohio – July 25, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company’s common stock, payable on Septem

Bread Financial Second quarter 2024 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 July 25, 2024 Exhibit 99.2 2©2024 Bread Financial Demonstrated financial resilience • Net income of $133 million and

exhibit992 Bread Financial Second quarter 2024 results © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 July 25, 2024 Exhibit 99.

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 25, 2024 BREAD FINANCIAL HOLDINGS, INC. (E

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 25, 2024 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)

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JUNE 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JUNE 2024 COLUMBUS, Ohio, July 25, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indicated. F

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 25, 2024 BREAD FINANCIAL HOLDINGS, INC. (E

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 25, 2024 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)

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES 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) June 30, 2024 World Financial Network Credit Card Master Note Trust (Exact Name of Issuing Entity as Specified in its Charter) Commission File Numbers of Issuing Entity: 333-208463 and

THIRD ADDENDUM TO APPENDIX A OF FIFTH AMENDED AND RESTATED SERVICE AGREEMENT

Exhibit 99.1 THIRD ADDENDUM TO APPENDIX A OF FIFTH AMENDED AND RESTATED SERVICE AGREEMENT This Third Addendum to Appendix A of that certain Fifth Amended and Restated Service Agreement (the "Addendum") is entered into as of this 30th day of June, 2024, by and between Comenity Bank (“Bank”), a Delaware state bank, with its principal place of business at One Righter Parkway, Suite 100, Wilmington, D

Regulation FD Disclosure, Financial Statements and Exhibits

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): June 18, 2024 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)

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): June 12, 2024 BREAD FINANCIAL HOLDINGS, INC. (E

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): June 12, 2024 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)

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR MAY 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR MAY 2024 COLUMBUS, Ohio, June 12, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indicated. Fo

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Exhibit 23.01 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in Registration Statement No. 333-65556 of Bread Financial Holdings, Inc. on Form S-8 of our report dated June 11, 2024, with respect to the financial statements and supplemental information of the Bread Financial 401(k) Plan included in this Annual Report on Form 11-K for the year e

Praniti Lakhwara Appointed to Bread Financial™’s Board of Directors

Exhibit 99.1 Praniti Lakhwara Appointed to Bread Financial™’s Board of Directors COLUMBUS, Ohio, June 11, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH) today announced that Praniti Lakhwara, a seasoned information technology executive, has joined the Company’s board as an independent director, effective June 10, 2024. In connection with her appointment, Ms. Lakhwara will also serve as a member

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-15749 A. Full title of the pl

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): June 10, 2024 BREAD FINANCIAL HOLDINGS, INC. (E

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): June 10, 2024 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)

As filed with the Securities and Exchange Commission on May 17, 2024

As filed with the Securities and Exchange Commission on May 17, 2024 Registration No.

Calculation of Filing Fee Table Form S-8 (Form Type) Bread Financial Holdings, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities

Exhibit 107 Calculation of Filing Fee Table Form S-8 (Form Type) Bread Financial Holdings, Inc.

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR APRIL 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR APRIL 2024 COLUMBUS, Ohio, May 15, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indicated. F

BREAD FINANCIAL 2024 OMNIBUS INCENTIVE PLAN

Exhibit 10.1 BREAD FINANCIAL 2024 OMNIBUS INCENTIVE PLAN 1. Establishment and Purpose. The purpose of this Bread Financial 2024 Omnibus Incentive Plan (the “Plan”) of Bread Financial Holdings, Inc., a Delaware corporation (the “Company”), is to advance the interests of the Company and its stockholders by providing a means to attract, retain and reward executive officers, other key employees, direc

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): May 14, 2024 BREAD FINANCIAL HOLDINGS, INC. (Ex

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): May 14, 2024 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)

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): May 15, 2024 BREAD FINANCIAL HOLDINGS, INC. (Ex

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): May 15, 2024 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)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 BREAD FINANCIAL HOLDINGS,

Bread Financial | April 25, 2024 1 "Our financial resilience was evident in the first quarter of 2024 as we generated net income of $134 million, driven by a strong risk-adjusted loan yield which contemplates higher credit losses as a result of the c

exhibit9914-25x24 Bread Financial | April 25, 2024 1 "Our financial resilience was evident in the first quarter of 2024 as we generated net income of $134 million, driven by a strong risk-adjusted loan yield which contemplates higher credit losses as a result of the challenging macroeconomic environment.

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): April 25, 2024 BREAD FINANCIAL HOLDINGS, INC. (

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): April 25, 2024 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

Bread FinancialTM Declares Dividend on Common Stock

Exhibit 99.3 Bread FinancialTM Declares Dividend on Common Stock COLUMBUS, Ohio – April 25, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company’s common stock, payable on J

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): April 25, 2024 BREAD FINANCIAL HOLDINGS, INC. (

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): April 25, 2024 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

Bread Financial First quarter 2024 results April 25, 2024 © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 Ralph Andretta | President & CEO Perry Beberman | EVP & CFO Exhibit 99.2 2©2024 Bread Financial Forwar

Bread Financial First quarter 2024 results April 25, 2024 © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 Ralph Andretta | President & CEO Perry Beberman | EVP & CFO Exhibit 99.

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR MARCH 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR MARCH 2024 COLUMBUS, Ohio, April 25, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indicated.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy State

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant  ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)( 2 )) ☒ D

ARS

Annual Report 2023$737 NetIncome $4.3 Revenue 12.2% CommonEquityTier 1CapitalRatio $18.2 AverageLoans $7.5 inNewCommitments toSupportSmall Businesses $8 Community Investments $55 inNewCommitments forMulti-Family AffordableHousing Projects 44% WomenLeaders (directorlevel andabove) 2023Highlights Recognizedasa Top3Contact CenterinNorth Americaby BenchmarkPortal BloombergGender EqualityIndex Newsweek

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): March 13, 2024 BREAD FINANCIAL HOLDINGS, INC. (

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): March 13, 2024 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

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR FEBRUARY 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR FEBRUARY 2024 COLUMBUS, Ohio, March 13, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indicat

Regulation FD Disclosure, Financial Statements and Exhibits

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): February 21, 2024 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 Num

Bread Financial Announces Approval of $30 Million Share Repurchase Program

Exhibit 99.1 Bread Financial Announces Approval of $30 Million Share Repurchase Program COLUMBUS, Ohio – February 21, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced that its Board of Directors has approved a new plan to purchase up to $30 million of shares of the

read Financial Holdings, Inc. Compensation Recoupment Policy effective Octob

Exhibit 97 Compensation Recoupment Policy 1.0 Policy Overview 1.1 Purpose This Bread Financial Holdings, Inc. Compensation Recoupment Policy (the “Policy”) has been adopted by the Board of Directors (the “Board”) of Bread Financial Holdings, Inc. (the “Company”) to be effective as of the Effective Date (as defined below). This Policy provides for the recoupment of certain executive compensation in

between Comenity Capital Asset Securitization Trust and U.S. Bank Trust Company, National Association.

Exhibit 10.138 COMENITY CAPITAL ASSET SECURITIZATION TRUST Issuer And U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION Indenture Trustee SERIES 2023-VFN1 INDENTURE SUPPLEMENT Dated as of September 29, 2023 SERIES 2023-VFN1 INDENTURE SUPPLEMENT, dated as of September 29, 2023 (the “Indenture Supplement”), between COMENITY CAPITAL ASSET SECURITIZATION TRUST, a trust organized and existing under the law

Subsidiaries of the Registrant

Exhibit 21 Subsidiaries of Bread Financial Holdings, Inc. A Delaware Corporation (as of December 31, 2023) Subsidiary Jurisdiction of Organization Other Business Names ADS Card Services Foreign Holdings B.V. Netherlands None Bread Financial Canada Co. Nova Scotia, Canada None Bread Financial Global Solutions India LLP India None Bread Financial Payments, Inc. Delaware None Bread Reinsurance Ltd. B

Amendment effective January 1, 2024 to the Bread Financial Holdings, Inc. Executive Deferred Compensation Plan.

Exhibit 10.2 AMENDMENT TO THE BREAD FINANCIAL EXECUTIVE DEFERRED COMPENSATION PLAN This Amendment to the Bread Financial Executive Deferred Compensation Plan (the “Plan”), made pursuant to the right to amend reserved in Section 12.1 of the Plan, amends the Plan as follows, effective January 1, 2024. 1.The definition of “Base Salary” is hereby deleted and replaced in its entirety with the following

Form of Non-employee Director Restricted Stock Unit Award Agreement under the Bread Financial Holdings, Inc. 2022 Omnibus Incentive Plan.

Exhibit 10.14 NON-EMPLOYEE DIRECTOR RESTRICTED STOCK UNIT AWARD AGREEMENT UNDER THE BREAD FINANCIAL HOLDINGS, INC. 2022 OMNIBUS INCENTIVE PLAN THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (the “Agreement”), made as of [GRANT DATE] (the “Grant Date”) by and between Bread Financial Holdings, Inc. (the “Company”) and [Name] (the “Participant”) who is a non-employee director of the Company. WHEREAS, pur

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-157

Ninth Amendment to Fourth Amended and Restated Series 2009-VFN Indenture Supplement, dated as of February 1, 2023, between World Financial Network Credit Card Master Note Trust and U.S. Bank National Association, as successor to MUFG Union Bank, N.A.

Exhibit 10.127 NINTH AMENDMENT TO FOURTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT This NINTH AMENDMENT TO FOURTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT, dated as of February 1, 2023 (this “Amendment”), is made between World Financial Network Credit Card Master Note Trust, as Issuer (the “Issuer”), and U.S. Bank National Association, as successor in interest to M

Tenth Amendment to Fourth Amended and Restated Series 2009-VFN Indenture Supplement, dated as of December 22, 2023, between World Financial Network Credit Card Master Note Trust and U.S. Bank National Association, as successor to MUFG Union Bank, N.A.

Exhibit 10.128 TENTH AMENDMENT TO FOURTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT This TENTH AMENDMENT TO FOURTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT, dated as of December 22, 2023 (this “Amendment”), is made between World Financial Network Credit Card Master Note Trust, as Issuer (the “Issuer”), and U.S. Bank National Association, as Indenture Trustee (in suc

Third Amendment to Fifth Amended and Restated Series 2009-VFN Indenture Supplement, dated as of April 25, 2023, between World Financial Capital Master Note Trust and U.S. Bank National Association (successor to Deutsche Bank Trust Company Americas).

Exhibit 10.137 THIRD AMENDMENT TO FIFTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT This THIRD AMENDMENT TO FIFTH AMENDED AND RESTATED SERIES 2009-VFN INDENTURE SUPPLEMENT, dated as of April 25, 2023 (this “Amendment”), is made between World Financial Capital Master Note Trust, a Delaware statutory trust, as issuer (the “Issuer”), and U.S. Bank National Association (successor to Deut

Form of Time-Based Restricted Stock Unit Award Agreement under the Bread Financial Holdings, Inc. 2022 Omnibus Incentive Plan.

Exhibit 10.9 TIME-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT UNDER THE BREAD FINANCIAL 2022 OMNIBUS INCENTIVE PLAN THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (the “Agreement”), made as of [GRANT DATE] (the “Grant Date”) by and between Bread Financial Holdings, Inc. (the “Company”) and [PARTICIPANT NAME] (the “Participant”) who is an employee of the Company or one of its Affiliates, evidences the

Form of Performance-Based Restricted Stock Unit Award Agreement under the Bread Financial Holdings, Inc. 2022 Omnibus Incentive Plan.

Exhibit 10.10 PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT UNDER THE BREAD FINANCIAL 2022 OMNIBUS INCENTIVE PLAN THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (the “Agreement”), made as of [GRANT DATE] (the “Grant Date”) by and between Bread Financial Holdings, Inc. (the “Company”) and [PARTICIPANT NAME] (the “Participant”) who is an employee of the Company or one of its Affiliates, eviden

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JANUARY 2024

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR JANUARY 2024 COLUMBUS, Ohio, February 15, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indic

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): February 15, 2024 BREAD FINANCIAL HOLDINGS, INC

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): February 15, 2024 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 Num

BFH / Bread Financial Holdings, Inc. / Turtle Creek Asset Management Inc. Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* BREAD FINANCIAL HOLDINGS, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 018581108 (CUSIP Number) December 31, 2023 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to whi

BFH / Bread Financial Holdings, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv0470-breadfinancialholding.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 15)* Name of issuer: Bread Financial Holdings Inc Title of Class of Securities: Common Stock CUSIP Number: 018581108 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate

BFH / Bread Financial Holdings, Inc. / FMR LLC Passive Investment

SC 13G/A 1 filing.txt SCHEDULE 13G Amendment No.1 BREAD FINANCIAL HOLDINGS INC COMMON STOCK Cusip #018581108 Check the appropriate box to designate the rule pursuant to which this Schedule is filed: [x] Rule 13d-1(b) [ ] Rule 13d-1(c) [ ] Rule 13d-1(d) Cusip #018581108 Item 1: Reporting Person - FMR LLC Item 2: (a) [ ] (b) [ ] Item 4: Delaware Item 5: 124,166 Item 6: 0 Item 7: 126,274 Item 8: 0 It

BFH / Bread Financial Holdings, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Bread Financial Holdings Inc (Name of Issuer) Common Stock (Title of Class of Securities) 018581108 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which

BFH / Bread Financial Holdings, Inc. / FRANKLIN MUTUAL ADVISERS LLC Passive Investment

SC 13G/A 1 brea23a4.htm CUSIP NO. 018581108 13G Page 1 of 7 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4)* BREAD FINANCIAL HOLDINGS, INC. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 018581108 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Fi

BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR DECEMBER 2023

Exhibit 99.1 BREAD FINANCIAL PROVIDES PERFORMANCE UPDATE FOR DECEMBER 2023 COLUMBUS, Ohio, January 25, 2024 – Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indic