SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): July 23, 2026 BREAD FINANCIAL HOLDINGS, INC. (Exact Name of Registrant as Specified in Charter) (State or Other Jurisdiction of Incorporation) Delaware 001-15749 31-1429215 (IRS Employer Identification No.) 3095 LOYALTY CIRCLE COLUMBUS, Ohio 43219 (Address and Zip Code of Principal Executive Offices) (614) 7 ...