---
schema_version: "secwatch.filing_event.v1"
accession: "0001101215-25-000178"
form_type: "8-K"
ticker: "BFH"
cik: "0001101215"
company_name: "BREAD FINANCIAL HOLDINGS, INC."
filed_at: "2025-10-29T23:59:59+00:00"
generated_at: "2026-05-17T01:34:31.470316+00:00"
event_type: "debt"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Bread Financial prices $500M 6.750% notes, uses proceeds plus $275M cash to redeem $719M 9.750% notes

## Summary
- $500M aggregate principal of 6.750% senior notes due 2031 priced at 100%; net proceeds ~$493M.
- Proceeds plus $275M cash to redeem all $719M 9.750% senior notes due 2029, including make-whole premium.
- Redemption conditional on closing of note offering; notes close Nov 6, redemption expected Nov 7, 2025.
- Notes guaranteed by domestic subsidiaries that guarantee existing senior notes and credit facility.
- Offering is a private placement under Rule 144A and Regulation S; not registered under Securities Act.

## SEC filing metadata
- accession: 0001101215-25-000178
- form_type: 8-K
- ticker: BFH
- cik: 0001101215
- company_name: BREAD FINANCIAL HOLDINGS, INC.
- filed_at: 2025-10-29T23:59:59+00:00
- event_type: debt
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1101215/000110121525000178/0001101215-25-000178-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1101215/000110121525000178/bfh-20251028.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-25-000178
- JSON: https://secwatch.observer/filing/0001101215-25-000178.json
- Plain text: https://secwatch.observer/filing/0001101215-25-000178.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.