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BREAD FINANCIAL HOLDINGS, INC.

For the period ended Dec 31, 2025. Filed Feb 13, 2026.

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About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 13, 2026

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

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

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Contents

Item 16. Form 10-K Summary

None.

INDEX TO THE AUDITED CONSOLIDATED FINANCIAL STATEMENTS

Page
Bread Financial Holdings, Inc. and Subsidiaries
Reports of Independent Registered Public Accounting Firm (PCAOB ID: 34)F-2
Consolidated Statements of Income for the years ended December 31, 2025, 2024 and 2023F-5
Consolidated Statements of Comprehensive Income for the years ended December 31, 2025, 2024 and 2023F-6
Consolidated Balance Sheets as of December 31, 2025 and 2024F-7
Consolidated Statements of Stockholders’ Equity for the years ended December 31, 2025, 2024 and 2023F-8
Consolidated Statements of Cash Flows for the years ended December 31, 2025, 2024 and 2023F-9
Notes to the audited Consolidated Financial StatementsF-10
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.