BREAD FINANCIAL HOLDINGS, INC.
For the period ended Sep 30, 2026. Filed Oct 27, 2026.
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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, 2026 · Filed Oct 27, 2026
BFH$98.61-3.2%Stored close · as of Nov 9, 2026
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Item 6. Exhibits
a)Exhibits:
EXHIBIT INDEX
| Incorporated by Reference | |||||
|---|---|---|---|---|---|
| Exhibit No. | Filer | Description | Form | Exhibit | Filing Date |
| 3.1(a) | Third Amended and Restated Certificate of Incorporation of the Registrant. | 8-K | 3.2 | 6/10/16 | |
| 3.2(a) | Certificate of Amendment to Third Amended and Restated Certificate of Incorporation of the Registrant. | 8-K | 3.1 | 3/24/22 | |
| 3.3(a) | Certificate of Designations of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A of the Registrant. | 8-K | 3.1 | 11/25/25 | |
| 3.4(a) | Certificate of Designations of 8.875% Non-Cumulative Perpetual Preferred Stock, Series B of the Registrant. | 8-K | 3.1 | 5/12/26 | |
| 3.5(a) | Sixth Amended and Restated Bylaws of the Registrant. | 8-K | 3.2 | 3/24/22 | |
| 4(a) | Specimen Certificate for shares of Common Stock of the Registrant. | 10-Q | 4 | 8/8/03 | |
| *10.1 | (a) | Salary Continuation, Release and Retirement Agreement, dated July 8, 2026, by and between Bread Financial Payments, Inc., Valerie Greer and the other parties thereto, including the Post Employment Non-Disclosure, Non-Competition, and Non-Solicitation Agreement attached as Exhibit A thereto. | |||
| 10.2(a) | Amendment No. 2 to Credit Agreement, dated as of September 3, 2026, by and among Bread Financial Holdings, Inc., as borrower, and certain of its subsidiaries as guarantors, JPMorgan Chase Bank, N.A., as Administrative Agent and various other lenders. | 8-K | 10.1 | 9/8/26 | |
| *31.1 | (a) | Certification of Chief Executive Officer of Bread Financial Holdings, Inc. pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended. | |||
| *31.2 | (a) | Certification of Chief Financial Officer of Bread Financial Holdings, Inc. pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended. | |||
| **32.1 | (a) | Certification of Chief Executive Officer of Bread Financial Holdings, Inc. pursuant to Rule 13a-14(b) promulgated under the Securities Exchange Act of 1934, as amended, and Section 1350 of Chapter 63 of Title 18 of the United States Code. | |||
| **32.2 | (a) | Certification of Chief Financial Officer of Bread Financial Holdings, Inc. pursuant to Rule 13a-14(b) promulgated under the Securities Exchange Act of 1934, as amended, and Section 1350 of Chapter 63 of Title 18 of the United States Code. | |||
| Incorporated by Reference | |||||
| Exhibit No. | Filer | Description | Form | Exhibit | Filing Date |
|---|---|---|---|---|---|
| *101 | (a) | The following financial information from Bread Financial Holdings, Inc.’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2026, formatted in Inline XBRL: (i) Consolidated Statements of Income, (ii) Consolidated Statements of Comprehensive Income, (iii) Consolidated Balance Sheets, (iv) Consolidated Statements of Stockholders’ Equity, (v) Consolidated Statements of Cash Flows and (vi) Notes to Consolidated Financial Statements. | |||
| *104 | (a) | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101). | |||
*Filed herewith
**Furnished herewith
(a)Bread Financial Holdings, Inc.
(b)WFN Credit Company, LLC
(c)World Financial Network Credit Card Master Trust
(d)World Financial Network Credit Card Master Note Trust
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