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BREAD FINANCIAL HOLDINGS, INC.

For the period ended Sep 30, 2025. Filed Oct 28, 2025.

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About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Oct 28, 2025

BFH$98.61-3.2%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits

Table of Contents

INDEX

Page Number
Part I: FINANCIAL INFORMATION
Item 1. · Financial Statements (unaudited)
Consolidated Statements of Income for the three and nine months ended September 30, 2025 and 202427
Consolidated Statements of Comprehensive Income for the three and nine months ended September 30, 2025 and 202428
Consolidated Balance Sheets as of September 30, 2025 and December 31, 202429
Consolidated Statements of Stockholders’ Equity for the three and nine months ended September 30, 2025 and 202430
Consolidated Statements of Cash Flows for the nine months ended September 30, 2025 and 202432
Notes to Consolidated Financial Statements33
Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations (MD&A)1
Item 3.Quantitative and Qualitative Disclosures About Market Risk60
Item 4.Controls and Procedures60
Part II: OTHER INFORMATION
Item 1.Legal Proceedings61
Item 1A.Risk Factors61
Item 2.Unregistered Sales of Equity Securities and Use of Proceeds61
Item 3.Defaults Upon Senior Securities61
Item 4.Mine Safety Disclosures61
Item 5.Other Information61
Item 6.Exhibits63
SIGNATURES65
ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.