<SEC-DOCUMENT>0001101215-26-000027.txt : 20260219
<SEC-HEADER>0001101215-26-000027.hdr.sgml : 20260219
<ACCEPTANCE-DATETIME>20260219203042
ACCESSION NUMBER:		0001101215-26-000027
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20260217
FILED AS OF DATE:		20260219
DATE AS OF CHANGE:		20260219

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:		26656390

	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
		EIN:				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_1771551039.xml
<DESCRIPTION>FORM 4
<TEXT>
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    <periodOfReport>2026-02-17</periodOfReport>

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    <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>
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            <transactionDate>
                <value>2026-02-17</value>
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            <transactionCoding>
                <transactionFormType>4</transactionFormType>
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                <transactionCode>F</transactionCode>
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                <footnoteId id="F4"/>
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                <transactionPricePerShare>
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                <transactionAcquiredDisposedCode>
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                    <value>D</value>
                </directOrIndirectOwnership>
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        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
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            <transactionDate>
                <value>2026-02-18</value>
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                <transactionFormType>4</transactionFormType>
                <transactionCode>F</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
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                    <value>1470</value>
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                    <value>73.74</value>
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                    <value>D</value>
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                <sharesOwnedFollowingTransaction>
                    <value>129617</value>
                </sharesOwnedFollowingTransaction>
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                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
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        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <footnotes>
        <footnote id="F1">The new grant is for 8,004 shares of common stock represented by time-based restricted stock units (RSUs). These time-based RSUs will vest over a three-year period, with 2,641 units vesting on 2/17/27, 2,641 units vesting on 2/17/28 and 2,722 units vesting on 2/17/29, subject to continued employment (subject to certain limited exceptions) by the Reporting Person on the vesting dates.</footnote>
        <footnote id="F2">The new grant is for 12,005 shares of common stock represented by performance-based RSUs, which may be adjusted up or down at the time the performance targets are measured at the end of the three-year performance period. These performance-based RSUs may vest on 2/17/29 contingent on meeting predetermined performance measures and subject to continued employment (subject to certain limited exceptions) by the Reporting Person on the vesting date.</footnote>
        <footnote id="F3">Based on an annual return on equity (ROE) performance metric goal for each of 2023, 2024 and 2025, at the conclusion of the three-year period ended December 31, 2025, 121.9% of the original award
of 19,457 performance-based restricted stock units granted 3/24/23 were earned, resulting in an additional 4,262 units, for a total of 23,719 units.</footnote>
        <footnote id="F4">Shares withheld by the Company to satisfy the Reporting Person's tax withholding obligation upon the vesting of restricted stock units.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>Benjamin L. Morgan, Attorney in Fact</signatureName>
        <signatureDate>2026-02-19</signatureDate>
    </ownerSignature>
</ownershipDocument>
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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
