<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>