{"version":"company-facts.v1","source":"https://secwatch.observer","generated_at":"2026-06-04T02:10:03.679555+00:00","company":{"ticker":"BFH","cik":1101215,"company_name":"BREAD FINANCIAL HOLDINGS, INC."},"pagination":{"limit":100,"returned":12,"next_cursor":null},"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer","facts":[{"fact_type":"governance_change","fact_key":"4f01bbb7ec1a4b13b8535d05bbc7e9052b9d0c56","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-05-12T16:22:21+00:00","payload":{"change_type":"charter_amendment","effective_date":"2026-05-12","item_codes_triggered":["5.03"],"summary_text":"Filed Certificate of Designations establishing Series B Preferred Stock, amending the certificate of incorporation"},"claim":"BREAD FINANCIAL HOLDINGS, INC.: Filed Certificate of Designations establishing Series B Preferred Stock, amending the certificate of incorporation (effective 2026-05-12).","evidence_excerpt":"The Certificate of Designations became effective May 12, 2026 after filing with the Secretary of State of the State of Delaware on May 11, 2026 and it amends the Company’s Third Amended and Restated Certificate of Incorporation.","confidence":0.9,"filing_url":"https://secwatch.observer/filing/0001193125-26-218648","anchor_url":"https://secwatch.observer/filing/0001193125-26-218648#claim-4f01bbb7ec1a4b13b8535d05bbc7e9052b9d0c56","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000119312526218648/0001193125-26-218648-index.htm"},{"fact_type":"earnings_release","fact_key":"f6273e521c29989e0cfd0bcd9efa522958815f01","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-04-23T23:59:59+00:00","payload":{"eps_text":null,"guidance_signal":"none","item_codes_triggered":["2.02"],"net_income_text":"$181 million","period_text":"the first quarter ended March 31, 2026","report_date":"2026-04-23","result_type":"reported_results","revenue_text":null},"claim":"BREAD FINANCIAL HOLDINGS, INC. reported the first quarter ended March 31, 2026 results: net income $181 million.","evidence_excerpt":"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. Net income was $181 million, with revenue improvement of 5%, and tangible book value per common share grew by 26% year-over-year.","confidence":0.9,"filing_url":"https://secwatch.observer/filing/0001101215-26-000036","anchor_url":"https://secwatch.observer/filing/0001101215-26-000036#claim-f6273e521c29989e0cfd0bcd9efa522958815f01","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000036/0001101215-26-000036-index.htm"},{"fact_type":"material_agreement","fact_key":"f15f4440220109642163d0caa3cacc08be0fa66f","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2026-02-18T23:59:59+00:00","payload":{"action":"termination","agreement_name":"Capped Call Unwind Agreements","agreement_type":"notes_offering","counterparty":"financial institutions party to the Capped Call Transactions","effective_date":"2026-02-17","item_codes_triggered":["1.01","1.02"],"value_text":"termination of Capped Call Transactions; delivery of approximately 1.5 million shares of Common Stoc"},"claim":"BREAD FINANCIAL HOLDINGS, INC. terminated Capped Call Unwind Agreements with financial institutions party to the Capped Call Transactions valued at termination of Capped Call Transactions; delivery of approximately 1.5 million shares of Common Stoc (effective 2026-02-17).","evidence_excerpt":"On February 17, 2026, Bread Financial Holdings, Inc. (the “Company”) entered into separate, privately negotiated termination agreements (the “Capped Call Unwind Agreements”) with each of the financial institutions (the “Option Counterparties”) party to the capped call transactions (the “Capped Call Transactions”) that were previously entered into by the Company in connection with the issuance of its 4.25% Convertible Senior Notes due 2028 (the “Notes”) in June 2023.","confidence":0.95,"filing_url":"https://secwatch.observer/filing/0001101215-26-000021","anchor_url":"https://secwatch.observer/filing/0001101215-26-000021#claim-f15f4440220109642163d0caa3cacc08be0fa66f","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121526000021/0001101215-26-000021-index.htm"},{"fact_type":"governance_change","fact_key":"5f088c11388d68c2db6b15baac8535c0804cd9a0","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-11-25T23:59:59+00:00","payload":{"change_type":"charter_amendment","effective_date":"2025-11-25","item_codes_triggered":["5.03"],"summary_text":"Filed Certificate of Designations establishing terms of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, amending the Third Amended and Restated Certificate of Incorporation."},"claim":"BREAD FINANCIAL HOLDINGS, INC.: Filed Certificate of Designations establishing terms of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, amending the Third Amended and Restated Certificate of Incorporation (effective 2025-11-25).","evidence_excerpt":"The Certificate of Designations became effective November 25, 2025 after filing with the Secretary of State of the State of Delaware on November 24, 2025 and it amends the Company’s Third Amended and Restated Certificate of Incorporation.","confidence":0.9,"filing_url":"https://secwatch.observer/filing/0001193125-25-294761","anchor_url":"https://secwatch.observer/filing/0001193125-25-294761#claim-5f088c11388d68c2db6b15baac8535c0804cd9a0","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000119312525294761/0001193125-25-294761-index.htm"},{"fact_type":"debt_financing","fact_key":"0c572856f7a5d2aeb725faa2d46ab8d49df633bf","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-11-06T23:59:59+00:00","payload":{"counterparty":"U.S. Bank Trust Company, National Association","effective_date":"2025-11-06","event":"incurrence","instrument_type":"senior_notes","interest_rate_text":"6.750%","item_codes_triggered":["2.03"],"maturity_text":"May 15, 2031","principal_text":"$500 million"},"claim":"BREAD FINANCIAL HOLDINGS, INC. incurred senior notes of $500 million with U.S. Bank Trust Company, National Association at 6.750% maturing May 15, 2031.","evidence_excerpt":"On November 6, 2025, Bread Financial Holdings, Inc. (the “Company”) closed its previously announced offering of $500 million principal amount of 6.750% Senior Notes due 2031 (the “Notes”).","confidence":0.9,"filing_url":"https://secwatch.observer/filing/0001101215-25-000181","anchor_url":"https://secwatch.observer/filing/0001101215-25-000181#claim-0c572856f7a5d2aeb725faa2d46ab8d49df633bf","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000181/0001101215-25-000181-index.htm"},{"fact_type":"debt_financing","fact_key":"34dc2d621b3d07ba2e3a612591d27910abd21727","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2025-10-28T23:59:59+00:00","payload":{"counterparty":"U.S. Bank Trust Company, National Association","effective_date":"2025-10-28","event":"acceleration","instrument_type":"senior_notes","interest_rate_text":"9.750%","item_codes_triggered":["2.04"],"maturity_text":"due 2029","principal_text":"all of its outstanding 9.750% senior notes due 2029"},"claim":"BREAD FINANCIAL HOLDINGS, INC. faced acceleration on senior notes of all of its outstanding 9.750% senior notes due 2029 with U.S. Bank Trust Company, National Association at 9.750% maturing due 2029.","evidence_excerpt":"On October 28, 2025, Bread Financial Holdings, Inc. (the “Company”) issued a conditional notice of redemption to redeem all of its outstanding 9.750% senior notes due 2029 (the “2029 Notes”).","confidence":0.9,"filing_url":"https://secwatch.observer/filing/0001101215-25-000175","anchor_url":"https://secwatch.observer/filing/0001101215-25-000175#claim-34dc2d621b3d07ba2e3a612591d27910abd21727","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121525000175/0001101215-25-000175-index.htm"},{"fact_type":"executive_change","fact_key":"3b1eca1684","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2024-06-11T23:59:59+00:00","payload":{"action":"appointed","action_category":"appointment","departure_tone":"not_applicable","effective_date":"2024-06-10","interim":false,"role":"Director","role_category":"director","successor_name":null,"successor_named":false},"claim":"Praniti Lakhwara was appointed as Director at BREAD FINANCIAL HOLDINGS, INC..","evidence_excerpt":"On June 10, 2024, the Board of Directors (the “ Board ”) of Bread Financial Holdings, Inc. (the “ Company ”) voted to increase the size of the Board to ten directors and appointed Praniti Lakhwara as a director and member of the Risk & Technology Committee, all effective as of June 10, 2024.","confidence":0.95,"filing_url":"https://secwatch.observer/filing/0001101215-24-000130","anchor_url":"https://secwatch.observer/filing/0001101215-24-000130#claim-3b1eca1684","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000130/0001101215-24-000130-index.htm"},{"fact_type":"shareholder_vote","fact_key":"ed90f0e36fe2fbd03ef02a469933fe1939c44af4","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2024-05-15T23:59:59+00:00","payload":{"item_codes_triggered":["5.07"],"meeting_date":"2024-05-14","outcome":"passed","proposal_text":"The selection of Deloitte & Touche LLP as the Company’s independent registered public accounting firm for 2024 was ratified","proposal_type":"auditor_ratification","votes_abstain_text":"32,079","votes_against_text":"1,294,075","votes_for_text":"41,841,288"},"claim":"BREAD FINANCIAL HOLDINGS, INC. shareholders approved The selection of Deloitte & Touche LLP as the Company’s independent registered public accounting firm for 2024 was ratified at the 2024-05-14 meeting.","evidence_excerpt":"The selection of Deloitte & Touche LLP as the Company’s independent registered public accounting firm for 2024 was ratified by the Company’s stockholders. 41,841,288 For 1,294,075 Against 32,079 Abstain","confidence":0.98,"filing_url":"https://secwatch.observer/filing/0001101215-24-000116","anchor_url":"https://secwatch.observer/filing/0001101215-24-000116#claim-ed90f0e36fe2fbd03ef02a469933fe1939c44af4","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000116/0001101215-24-000116-index.htm"},{"fact_type":"shareholder_vote","fact_key":"aa252be460e89b53a5984c158699daa35420e9b7","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2024-05-15T23:59:59+00:00","payload":{"item_codes_triggered":["5.07"],"meeting_date":"2024-05-14","outcome":"passed","proposal_text":"The 2024 Omnibus Incentive Plan was approved","proposal_type":"equity_plan","votes_abstain_text":"23,972","votes_against_text":"2,189,842","votes_for_text":"36,394,759"},"claim":"BREAD FINANCIAL HOLDINGS, INC. shareholders approved The 2024 Omnibus Incentive Plan was approved at the 2024-05-14 meeting.","evidence_excerpt":"The 2024 Omnibus Incentive Plan was approved by the Company’s stockholders. 36,394,759 For 2,189,842 Against 23,972 Abstain 4,558,869 Broker Non-Votes","confidence":0.98,"filing_url":"https://secwatch.observer/filing/0001101215-24-000116","anchor_url":"https://secwatch.observer/filing/0001101215-24-000116#claim-aa252be460e89b53a5984c158699daa35420e9b7","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000116/0001101215-24-000116-index.htm"},{"fact_type":"shareholder_vote","fact_key":"e077cfb6b44f634ab52208162db2469ebcca38f8","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2024-05-15T23:59:59+00:00","payload":{"item_codes_triggered":["5.07"],"meeting_date":"2024-05-14","outcome":"passed","proposal_text":"Executive compensation was approved, on an advisory basis","proposal_type":"say_on_pay","votes_abstain_text":"33,492","votes_against_text":"7,112,629","votes_for_text":"31,462,452"},"claim":"BREAD FINANCIAL HOLDINGS, INC. shareholders approved Executive compensation was approved, on an advisory basis at the 2024-05-14 meeting.","evidence_excerpt":"Executive compensation was approved, on an advisory basis, by the Company’s stockholders. 31,462,452 For 7,112,629 Against 33,492 Abstain 4,558,869 Broker Non-Votes","confidence":0.98,"filing_url":"https://secwatch.observer/filing/0001101215-24-000116","anchor_url":"https://secwatch.observer/filing/0001101215-24-000116#claim-e077cfb6b44f634ab52208162db2469ebcca38f8","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000116/0001101215-24-000116-index.htm"},{"fact_type":"shareholder_vote","fact_key":"8464c4489202a1c9bddd99ca4ae8ce228235900d","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2024-05-15T23:59:59+00:00","payload":{"item_codes_triggered":["5.07"],"meeting_date":"2024-05-14","outcome":"passed","proposal_text":"Election of directors","proposal_type":"director_election","votes_abstain_text":"See individual director vote totals","votes_against_text":"See individual director vote totals","votes_for_text":"See individual director vote totals"},"claim":"BREAD FINANCIAL HOLDINGS, INC. shareholders approved Election of directors at the 2024-05-14 meeting.","evidence_excerpt":"Each of Ralph J. Andretta, Roger H. Ballou, John J. Fawcett, John C. Gerspach, Jr., Rajesh Natarajan, Joyce St. Clair, Timothy J. Theriault, Laurie A. Tucker and Sharen J. Turney was elected as a director of the Company to serve until the 2025 annual meeting of stockholders.","confidence":0.95,"filing_url":"https://secwatch.observer/filing/0001101215-24-000116","anchor_url":"https://secwatch.observer/filing/0001101215-24-000116#claim-8464c4489202a1c9bddd99ca4ae8ce228235900d","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000116/0001101215-24-000116-index.htm"},{"fact_type":"earnings_release","fact_key":"a5f2d6ced509399f01522b2b92fb20e863d4b108","cik":1101215,"ticker":"BFH","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2024-04-25T23:59:59+00:00","payload":{"eps_text":"$2.70","guidance_signal":"none","item_codes_triggered":["2.02"],"net_income_text":"$134 million","period_text":"first quarter ended March 31, 2024","report_date":"2024-04-25","result_type":"reported_results","revenue_text":"$991MM"},"claim":"BREAD FINANCIAL HOLDINGS, INC. reported first quarter ended March 31, 2024 results: revenue $991MM, net income $134 million, EPS $2.70.","evidence_excerpt":"offering to $900 million in January 2024; reduced parent-level debt by $100 million. • Grew direct-to-consumer deposits to $7 billion at quarter-end. $18.5B 1Q24 Average loans $991MM 1Q24 Revenue 12.6% Common equity tier 1 capital ratio $45.96 Tangible book value per share Exhibit 99.1 Bread Financial | April 25, 2024 2 \"Our first quarter financial results","confidence":0.95,"filing_url":"https://secwatch.observer/filing/0001101215-24-000092","anchor_url":"https://secwatch.observer/filing/0001101215-24-000092#claim-a5f2d6ced509399f01522b2b92fb20e863d4b108","edgar_index_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121524000092/0001101215-24-000092-index.htm"}]}