<SEC-DOCUMENT>0001101215-25-000004.txt : 20250110
<SEC-HEADER>0001101215-25-000004.hdr.sgml : 20250110
<ACCEPTANCE-DATETIME>20250110161121
ACCESSION NUMBER:		0001101215-25-000004
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20250108
FILED AS OF DATE:		20250110
DATE AS OF CHANGE:		20250110

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Motes Joseph L III
		CENTRAL INDEX KEY:			0001648042
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15749
		FILM NUMBER:		25522979

	MAIL ADDRESS:	
		STREET 1:		7500 DALLAS PARKWAY, SUITE 700
		CITY:			PLANO
		STATE:			TX
		ZIP:			75024

ISSUER:		

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

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>wk-form4_1736543473.xml
<DESCRIPTION>FORM 4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0508</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2025-01-08</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001101215</issuerCik>
        <issuerName>BREAD FINANCIAL HOLDINGS, INC.</issuerName>
        <issuerTradingSymbol>BFH</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001648042</rptOwnerCik>
            <rptOwnerName>Motes Joseph L III</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>7500 DALLAS PARKWAY, SUITE 700</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>PLANO</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>75024</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>EVP, CAO, Gen Counsel &amp; Secy</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <aff10b5One>0</aff10b5One>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2025-01-08</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>F</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F1"/>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>557</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>62.87</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>110843</value>
                    <footnoteId id="F1"/>
                    <footnoteId id="F2"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <footnotes>
        <footnote id="F1">The reported transaction involved the withholding of 557 shares of stock issuable upon the early vesting of an equal number of restricted stock units to pay taxes associated with the reporting person becoming retirement eligible. The total reported in Column 5 includes 14,392 previously reported time-based restricted stock units granted 2/15/24, with 4,751 units vesting on each of 2/18/25 and 2/17/26 and 4,890 units vesting on 2/16/27.</footnote>
        <footnote id="F2">The total number of securities beneficially owned includes: (a) 33,901 unrestricted shares; (b) 2,273 unvested units from an award of 6,685 time-based restricted stock units granted 2/15/22; (c) 10,027 unvested performance-based restricted stock units granted 2/15/22; (d) 8,370 unvested units from an award of 12,971 time-based restricted stock units granted 3/24/23; (e) 19,457 unvested performance-based restricted stock units granted 3/24/23; (f) 14,392 unvested units from an award of 14,949 time-based restricted stock units granted 2/15/24; and (g) 22,423 unvested performance-based restricted stock units granted 2/15/24.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>Benjamin L. Morgan, Attorney in Fact</signatureName>
        <signatureDate>2025-01-10</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
