Form 8-K
8-K — BREAD FINANCIAL HOLDINGS, INC.
Accession: 0001101215-26-000058
Filed: 2026-05-22
Period: 2026-05-19
CIK: 0001101215
SIC: 6141 (PERSONAL CREDIT INSTITUTIONS)
Item: Submission of Matters to a Vote of Security Holders
Item: Financial Statements and Exhibits
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8-K — bfh-20260519.htm (Primary)
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8-K
8-K (Primary)
Filename: bfh-20260519.htm · Sequence: 1
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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
BREAD FINANCIAL HOLDINGS, INC.
(Exact Name of Registrant as Specified in Charter)
Delaware 001-15749 31-1429215
(State or Other Jurisdiction
of Incorporation) (Commission
File Number) (IRS Employer
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:
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
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
Exhibit No. Document Description
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.
Date: May 22, 2026 By: /s/ Joseph L. Motes III
Joseph L. Motes III
Executive Vice President, Chief
Administrative Officer, General
Counsel and Secretary
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Document and Entity Information Document
May 19, 2026
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BREAD FINANCIAL HOLDINGS, INC.
Entity Incorporation, State or Country Code
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Entity File Number
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Entity Tax Identification Number
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Entity Address, Address Line One
3095 LOYALTY CIRCLE
Entity Address, City or Town
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Entity Address, State or Province
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Security Exchange Name
NYSE
Common Stock
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Trading Symbol
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Security Exchange Name
NYSE
Series B Preferred Stock
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