---
schema_version: "secwatch.filing_event.v1"
accession: "0001101215-25-000181"
form_type: "8-K"
ticker: "BFH"
cik: "0001101215"
company_name: "BREAD FINANCIAL HOLDINGS, INC."
filed_at: "2025-11-06T23:59:59+00:00"
generated_at: "2026-05-16T23:21:13.077390+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Bread Financial issues $500M 6.750% Senior Notes due 2031

## Summary
- $500M principal of 6.750% Senior Notes due 2031, issued Nov 6, 2025.
- Interest payable semiannually starting May 15, 2026; maturity May 15, 2031.
- Notes are senior unsecured obligations, guaranteed by domestic subsidiaries that guarantee Credit Agreement.
- Company may redeem on/after May 15, 2028 at specified prices; make-whole premium before that.
- Holders may require repurchase at 101% upon Change of Control Triggering Event.

## SEC filing metadata
- accession: 0001101215-25-000181
- form_type: 8-K
- ticker: BFH
- cik: 0001101215
- company_name: BREAD FINANCIAL HOLDINGS, INC.
- filed_at: 2025-11-06T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1101215/000110121525000181/0001101215-25-000181-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1101215/000110121525000181/bfh-20251106.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-25-000181
- JSON: https://secwatch.observer/filing/0001101215-25-000181.json
- Plain text: https://secwatch.observer/filing/0001101215-25-000181.txt

## Key facts
- Debt Financings
  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.
  - Instrument: senior notes
  - Principal: $500 million
  - Counterparty: U.S. Bank Trust Company, National Association
  - Rate: 6.750%
  - Maturity: May 15, 2031
  - Event: incurrence
  source text: 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”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1101215/000110121525000181/0001101215-25-000181-index.htm

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