BFH

• End-of-period credit card and other loans were $18,543 million as of July 31, 2026, up from $17,594 million a year earlier.
• Net principal losses for July 2026 were $106 million, with a net principal loss rate of 6.80%, down from 7.63% in July 2025.
• The 30+ days delinquency rate was 5.35% as of July 31, 2026, compared to 5.82% as of July 31, 2025.
• The report was furnished under Item 7.01 Regulation FD Disclosure and is not deemed filed for SEC liability purposes.

7.01 Regulation FD Disclosure

• Revenue rose 7% to $993 million from $929 million; average loans grew 3% to $18.2 billion.
• Delinquency rate improved to 5.25% (down 48 bps) and net loss rate to 6.98% (down 90 bps) year-over-year.
• Company raised 2026 outlook: average loan and revenue growth now expected up low- to mid-single digits; net loss rate guidance improved to 7.0%-7.1%.
• Declared quarterly dividends: $0.23 per common share, $0.539 per Series A depositary share, and $0.758 per Series B depositary share, payable September 15, 2026.

2.02 Results of Operations and Financial Condition · 7.01 Regulation FD Disclosure · 8.01 Other Events · 9.01 Financial Statements and Exhibits

• Bread Financial Holdings, Inc. issued a press release on July 23, 2026, providing a performance update for the period ended June 30, 2026.
• Net principal loss rate was 6.88% for the month and 6.98% for the three months ended June 30, 2026.
• Delinquency rate (30 days+) was 5.25% as of June 30, 2026, down from 5.73% a year earlier.
• The report was furnished under Item 7.01 Regulation FD Disclosure and is not deemed filed for SEC purposes.

7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• Valerie Greer, EVP and Chief Commercial Officer, will retire effective on or around February 19, 2027, after nearly four decades in financial services.
• Dennis McCarthy will be promoted to EVP and Chief Revenue Officer, joining the executive leadership team in early September, reporting to CEO Ralph Andretta.
• The retirement agreement includes confidentiality, cooperation, non-disparagement, non-competition, and non-solicitation obligations, and a general release of claims.
• The company issued a press release on July 14, 2026, announcing these leadership changes.

5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements · 7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• On June 10, 2026, Bread Financial Holdings, Inc. issued a press release with a performance update for the month ended May 31, 2026.
• Net principal loss rate for May 2026 was 6.98%, down from 7.97% in May 2025; net principal losses were $108 million versus $120 million a year earlier.
• Delinquency rate (30+ days) as of May 31, 2026 was 5.24%, down from 5.71% as of May 31, 2025.
• The report was furnished under Item 7.01 Regulation FD Disclosure and is not deemed filed for SEC purposes.

7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• All nine director nominees were elected: 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.
• Roger H. Ballou, a director since 2001, retired from the board effective May 19, 2026, and did not stand for re-election.
• Stockholders approved, on an advisory basis, executive compensation (31,508,096 for; 2,754,478 against).
• Stockholders approved the 2026 Employee Stock Purchase Plan and ratified Deloitte & Touche LLP as independent auditor for 2026.
• The ratification of Deloitte & Touche LLP received 36,998,194 votes for and 822,956 against, with no broker non-votes.

5.07 Submission of Matters to a Vote of Security Holders · 9.01 Financial Statements and Exhibits

• On May 15, 2026, Bread Financial Holdings, Inc. issued a press release with a performance update for the period ended April 30, 2026.
• Net principal losses for April 2026 were $105 million, down from $114 million in April 2025; the net principal loss rate improved to 7.09% from 7.85%.
• The delinquency rate (30+ days) as of April 30, 2026 was 5.34%, down from 5.73% a year earlier; delinquent principal was $859 million versus $933 million.
• The report was furnished under Item 7.01 (Regulation FD) and is not deemed filed for SEC purposes.

7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• The Series B preferred stock has a liquidation preference of $1,000 per share and was established via a Certificate of Designations filed with the Delaware Secretary of State, effective May 12, 2026.
• The offering included 600,000 depositary shares purchased under an option granted in the underwriting agreement dated May 5, 2026, with Morgan Stanley, RBC Capital Markets, UBS Securities, Wells Fargo Securities, and Keefe, Bruyette & Woods as representatives.
• The depositary shares were issued under a Deposit Agreement with Computershare Inc. and Computershare Trust Company, N.A. as depositary, entitling holders to proportional rights of the Series B preferred stock.
• The Certificate of Designations amends the company's Third Amended and Restated Certificate of Incorporation and imposes restrictions on dividends or repurchases of junior or parity stock if Series B dividends are not declared and paid.

3.03 Material Modification to Rights of Security Holders · 5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year · 8.01 Other Events · 9.01 Financial Statements and Exhibits