Risk factors

Bread Financial Holdings (BFH) risk factors

Item 1A of every Bread Financial Holdings, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    57 risks9 new9 dropped29 reworded

    Bread Financial added new disclosures regarding macroeconomic risks, internal bank mergers, and expanded governance committees.

    Filed Feb 13, 2026
  • FY2024 10-K risk factors
    57 risks

    Bread Financial's risks are dominated by unsecured consumer lending default exposure, heavy dependence on large retail partners, and extensive regulatory scrutiny affecting fees and capital.

    Filed Feb 14, 2025