    <SEC-DOCUMENT>0001193125-26-144517-index.html : 20260407
    <SEC-HEADER>0001193125-26-144517.hdr.sgml : 20260407
    <ACCEPTANCE-DATETIME>20260407070500
    ACCESSION NUMBER:		0001193125-26-144517
    CONFORMED SUBMISSION TYPE:	ARS
    PUBLIC DOCUMENT COUNT:		1
    CONFORMED PERIOD OF REPORT:	20251231
    FILED AS OF DATE:		20260407
    DATE AS OF CHANGE:		20260407
    EFFECTIVENESS DATE:		20260407

    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:		ARS
    		SEC ACT:		1934 Act
    		SEC FILE NUMBER:	001-15749
    		FILM NUMBER:		26842892

    	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>ARS
    <SEQUENCE>1
    <FILENAME>bfh_-_2025_annual_report.pdf
    <DESCRIPTION>ARS
    <TEXT>
    Document 1 - file: bfh_-_2025_annual_report.pdf

    </DOCUMENT>
    </SEC-DOCUMENT>