# EDGAR Filing Document

**Accession Number:** 0001101215
**File Stem:** 0001101215-26-000058
**Filing Date:** 2026-5
**Character Count:** 7559
**Document Hash:** 4733587ad3e43b31802060876deae450
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001101215-26-000058.hdr.sgml**: 20260522

**ACCESSION NUMBER**: 0001101215-26-000058

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20260519

**ITEM INFORMATION**: Submission of Matters to a Vote of Security Holders

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260522

**DATE AS OF CHANGE**: 20260521

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BREAD FINANCIAL HOLDINGS, INC.
- **CENTRAL INDEX KEY:** 0001101215
- **STANDARD INDUSTRIAL CLASSIFICATION:** PERSONAL CREDIT INSTITUTIONS [6141]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 311429215
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-15749
- **FILM NUMBER:** 261010411

**BUSINESS ADDRESS:**
- **STREET 1:** 3095 LOYALTY CIRCLE
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219
- **BUSINESS PHONE:** 6147294000

**MAIL ADDRESS:**
- **STREET 1:** 3095 LOYALTY CIRCLE
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ALLIANCE DATA SYSTEMS CORP
- **DATE OF NAME CHANGE:** 19991217

?xml version='1.0' encoding='ASCII'? bfh-20260519

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**FORM 8-K**

**CURRENT REPORT**

**PURSUANT TO SECTION 13 OR 15(d) OF THE**

**SECURITIES EXCHANGE ACT OF 1934**

Date of report (Date of earliest event reported):

**May 19, 2026**

![Image_0.jpg](bfh-20260519_g1.jpg)

**BREAD FINANCIAL HOLDINGS, INC.**

(Exact Name of Registrant as Specified in Charter)

---

| | | |
|:---|:---|:---|
| **Delaware** | **001-15749** | **31-1429215** |
| (State or Other Jurisdiction<br>of Incorporation) | (Commission<br>File Number) | (IRS Employer<br>Identification No.) |

---

**3095 LOYALTY CIRCLE**

**COLUMBUS, Ohio 43219**

(Address and Zip Code of Principal Executive Offices)

**(614) 729-4000**

(Registrant's Telephone Number, including Area Code)

**NOT APPLICABLE**

(Former name or former address, if changed since last report)☐

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| Title of each class | Trading symbol | Name of each exchange on which registered |
| Common Stock, par value $0.01 per share | BFH | NYSE |
| Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A | BFH PrA | NYSE |
| Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B | BFH PrB | NYSE |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [ ]

**Item 5.07 Submission of Matters to a Vote of Security Holders.** 

On May 19, 2026, Bread Financial Holdings, Inc. (the "Company") held its 2026 annual meeting of stockholders (the "Annual Meeting") in a virtual-only format. A total of 37,841,186 shares of the Company's common stock were present or represented by proxy at the Annual Meeting, representing approximately 91.35% of the Company's shares outstanding as of March 25, 2026, the record date set for the Annual Meeting. The matters voted on at the Annual Meeting and the results for each matter were as follows:

(a) **Proposal 1:** Each of Ralph J. Andretta, John J. Fawcett, John C. Gerspach, Jr., Praniti Lakhwara, Rajesh Natarajan, Joyce St. Clair, Timothy J. Theriault, Laurie A. Tucker and Sharen J. Turney was elected as a director of the Company to serve until the 2027 annual meeting of stockholders.

Ralph J. Andretta

---

| | |
|:---|:---|
| 34,147,196 | For |
| 133,556 | Against |
| 7,681 | Abstain |
| 3,552,752 | Broker Non-Votes |

---

John J. Fawcett

34,218,396 For <br> 62,228 Against

------

---

| | |
|:---|:---|
| 7,809 | Abstain |
| 3,552,752 | Broker Non-Votes |

---

John C. Gerspach, Jr.

---

| | |
|:---|:---|
| 34,024,883 | For |
| 255,432 | Against |
| 8,118 | Abstain |
| 3,552,752 | Broker Non-Votes |

---

Praniti Lakhwara

---

| | |
|:---|:---|
| 34,241,651 | For |
| 32,194 | Against |
| 14,588 | Abstain |
| 3,552,752 | Broker Non-Votes |

---

Rajesh Natarajan

---

| | |
|:---|:---|
| 33,998,473 | For |
| 281,302 | Against |
| 8,658 | Abstain |
| 3,552,752 | Broker Non-Votes |

---

Joyce St. Clair

---

| | |
|:---|:---|
| 34,261,613 | For |
| 19,165 | Against |
| 7,655 | Abstain |
| 3,552,752 | Broker Non-Votes |

---

Timothy J. Theriault

---

| | |
|:---|:---|
| 34,141,303 | For |
| 139,063 | Against |
| 8,067 | Abstain |
| 3,552,752 | Broker Non-Votes |

---

Laurie A. Tucker

---

| | |
|:---|:---|
| 33,855,221 | For |
| 425,581 | Against |
| 7,631 | Abstain |
| 3,552,752 | Broker Non-Votes |

---

------

Sharen J. Turney

---

| | |
|:---|:---|
| 33,874,190 | For |
| 406,562 | Against |
| 7,681 | Abstain |
| 3,552,752 | Broker Non-Votes |

---

Roger H. Ballou, who has been a director of the Company since 2001, did not stand for re-election and retired from our Board of Directors effective May 19, 2026.

(b) **Proposal 2:** Executive compensation was approved, on an advisory basis, by the Company's stockholders.

---

| | |
|:---|:---|
| 31,508,096 | For |
| 2,754,478 | Against |
| 25,859 | Abstain |
| 3,552,752 | Broker Non-Votes |

---

(c) **Proposal 3:** The 2026 Employee Stock Purchase Plan, was approved by the Company's stockholders.

---

| | |
|:---|:---|
| 34,219,041 | For |
| 55,969 | Against |
| 13,423 | Abstain |
| 3,552,752 | Broker Non-Votes |

---

(d) **Proposal 4:** The selection of Deloitte & Touche LLP as the Company's independent registered public accounting firm for 2026 was ratified by the Company's stockholders.

---

| | |
|:---|:---|
| 36,998,194 | For |
| 822,956 | Against |
| 20,035 | Abstain |
| 0 | Broker Non-Votes |

---

------

**Item 9.01 Financial Statements and Exhibits.** 

(d) Exhibits

<u>Exhibit No.</u> <u>Document Description</u> <br> 104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

------

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| | Bread Financial Holdings, Inc. | Bread Financial Holdings, Inc. |
| Date: May 22, 2026 | By: | /s/ Joseph L. Motes III |
|  |  | Joseph L. Motes III<br>Executive Vice President, Chief <br>Administrative Officer, General <br>Counsel and Secretary |

---