BREAD FINANCIAL HOLDINGS, INC. 8-K

What Happened

• On January 29, 2026, Bread Financial Holdings, Inc. (BFH) filed an 8-K (Item 7.01, Regulation FD Disclosure) announcing and attaching a press release that provides a performance update as of and for the period ended December 31, 2025. The press release is included as Exhibit 99.1 to the filing. The report was signed by Joseph L. Motes III, Executive Vice President, Chief Administrative Officer, General Counsel and Secretary.

Key Details

• Filing date: January 29, 2026 (Form 8-K, Item 7.01).
• Reporting period covered by the press release: as of and for the period ended December 31, 2025.
• Exhibit included: Exhibit 99.1 — press release dated January 29, 2026 with the performance update.
• Disclosure note: the information (including Exhibit 99.1) is furnished under Regulation FD and is not deemed "filed" for purposes of Section 18 of the Exchange Act, nor incorporated by reference into Securities Act filings unless expressly stated.

Why It Matters

• The company has publicly provided updated performance information for the period ending Dec 31, 2025, which investors should review to understand recent operating and financial trends ahead of formal earnings filings. Because this is a Regulation FD disclosure, it ensures material information was shared publicly and simultaneously with the market. Investors should read the attached press release (Exhibit 99.1) for the specific performance metrics and monitor subsequent regulatory filings (e.g., 10-Q/10-K or earnings releases) for audited or formal financial results.