{
 "as_of": "2026-11-08",
 "cmr": "us-cm-kg/NYSE/BFH-PC",
 "fence": "The page is the record's research on the issuer — no analyst, no rating, no view.",
 "markdown": "The page is the record's research on the issuer — no analyst, no rating, no view.\n\n# BREAD FINANCIAL HOLDINGS, INC. (NYSE: BFH-PC) — research page\n\nAs of 2026-11-08 · us-cm-kg · record version 1\n\n## Identity and listing\n\nThe issuer is BREAD FINANCIAL HOLDINGS, INC., listed on the NYSE under ticker BFH-PC. The ISIN is not on the record; the LEI is 549300G8S4PO686J7H97, and the LEI carries several US ISINs. The security type is Corporate. The segment is not on the record. The sector is 6141 Personal Credit Institutions, and the jurisdiction is United States, Delaware. The issuer is listed and not halted.\n\n## The disclosure read\n\nThe record holds 99 filings in the twelve months to 2026-11-08, across 55 filing days. The median gap between filing days is 4.0 days. The latest filing is dated 2026-11-03, is of type regulatory_filing, and is 5 days before the record date. On the NYSE, the median cadence gap is 6.0 days, the median filings count is 64.0, and the median latency is 4.0 days across 3,256 issuers. In the sector, the median cadence gap is 4.0 days, the median filings count is 86, and the median latency is 3 days across 19 issuers. The filings by type are: 3 agm_egm, 24 corporate_news, 1 director_change, 33 directors_dealings, 7 prospectus, 23 regulatory_filing, and 8 results.\n\n## Auditor\n\nThe auditor is not on the record, because the latest annual report cover carries no dei:AuditorName tag. The auditor's location is not on the record. The record holds no auditor changes.\n\n## Events and halts\n\nThe record holds no listing, delisting or name change lines. The domicile change is not on the record, as EDGAR states no dated change of state of incorporation on a filing line. The segment move is not on the record, as the exchanges' tier transfers are not EDGAR filings. The halt flag is listed, not halted.\n\n## Orderability\n\nThe outcome is not determinable. The chapter's orderability section carries no client categories, so the outcome cannot name its client category. The rule version is acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1, and the chapter is as of 2026-11-04.\n\n## Coverage\n\nNo research houses were found on the issuer's investor-relations pages read. The count is 0.\n\n## Open research\n\nNo openly published research notes were found. The count is 0.\n\n## Licensed\n\nLicensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.\n\n## As-of depth\n\nThe market's vintage is sealed. The record holds no sealed years for this issuer. The market's earliest sealed date is 2021-01-04, and the live record began on 2026-09-12.\n\n## Sources\n\n7 source pages are named on this page; every value above carries its own source page and read date in the numbers.\n\n- https://www.sec.gov/files/company_tickers_exchange.json (identity.exchange)\n- https://data.sec.gov/submissions/CIK0001101215.json (identity.jurisdiction)\n- https://api.gleif.org/api/v1/lei-records/549300G8S4PO686J7H97 (identity.lei)\n- https://mcp.us-cm-kg.ai/events/NYSE/BFH-PC (the disclosure lines)\n- https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts (the halt flag)\n- https://mcp.us-cm-kg.ai/book/aio.json (the orderability chapter)\n- https://mcp.us-cm-kg.ai/record/NYSE/BFH-PC (the record)\n",
 "market": "US",
 "node": "us-cm-kg",
 "numbers": {
  "as_of_depth": {
   "issuer_years_sealed": [],
   "live_record_began": "2026-09-12",
   "node_history_from": "2021-01-04",
   "node_years_sealed": [
    "2021",
    "2022",
    "2023",
    "2024",
    "2025",
    "2026"
   ],
   "record_version": 1,
   "sealed": true
  },
  "auditor": {
   "auditor": {
    "market": "US",
    "reason": "no dei:AuditorName tag on the latest annual report cover (foreign private issuers and older filings carry none)",
    "state": "not_on_record"
   },
   "auditor_firm_id": {
    "market": "US",
    "state": "not_on_record"
   },
   "auditor_location": {
    "market": "US",
    "state": "not_on_record"
   },
   "changes": []
  },
  "cmr": "us-cm-kg/NYSE/BFH-PC",
  "coverage": {
   "count": 0,
   "houses": [],
   "pages_checked": [
    {
     "page": "https://investor.breadfinancial.com/stock-info/analyst-coverage",
     "result": "not readable by this rail (403)"
    }
   ],
   "read_by": "Perplexity sonar (search) · page read by this rail",
   "read_date": "2026-11-11",
   "since": null,
   "state": "none_found"
  },
  "disclosure": {
   "against": {
    "exchange": {
     "issuers": 3256,
     "median_cadence_gap_days": 6,
     "median_filings": 64,
     "median_latency_days": 4,
     "name": "NYSE"
    },
    "sector": {
     "issuers": 19,
     "median_cadence_gap_days": 4,
     "median_filings": 86,
     "median_latency_days": 3,
     "name": "6141 Personal Credit Institutions"
    }
   },
   "by_type": {
    "agm_egm": 3,
    "corporate_news": 24,
    "director_change": 1,
    "directors_dealings": 33,
    "prospectus": 7,
    "regulatory_filing": 23,
    "results": 8
   },
   "cadence_median_gap_days": 4,
   "filing_days": 55,
   "filings": 99,
   "latency_days": 5,
   "latest": [
    {
     "category": "8-A12B",
     "date": "2026-11-03",
     "source": "https://www.sec.gov/Archives/edgar/data/1101215/000119312526444983/d193019d8a12b.htm",
     "title": "8-A12B — 8-A12B",
     "type": "regulatory_filing"
    },
    {
     "category": "8-K",
     "date": "2026-11-03",
     "source": "https://www.sec.gov/Archives/edgar/data/1101215/000119312526444703/d163000d8k.htm",
     "title": "8-K — 8-K (items 3.03,5.03,8.01,9.01)",
     "type": "corporate_news"
    },
    {
     "category": "CERT",
     "date": "2026-11-03",
     "source": "https://www.sec.gov/Archives/edgar/data/1101215/000087666126000889/BFHPRC110326.pdf",
     "title": "CERT — NYSE CERTIFICATION",
     "type": "regulatory_filing"
    },
    {
     "category": "4",
     "date": "2026-10-30",
     "source": "https://www.sec.gov/Archives/edgar/data/1101215/000161414326000006/xslF345X06/wk-form4_1793385988.xml",
     "title": "4 — FORM 4",
     "type": "directors_dealings"
    },
    {
     "category": "424B5",
     "date": "2026-10-28",
     "source": "https://www.sec.gov/Archives/edgar/data/1101215/000119312526436417/d166831d424b5.htm",
     "title": "424B5 — 424B5",
     "type": "prospectus"
    }
   ],
   "latest_filing_date": "2026-11-03",
   "read": "the node's event lines (list_events_since), as get_filings serves them",
   "source": "https://mcp.us-cm-kg.ai/events/NYSE/BFH-PC",
   "window": {
    "from": "2025-11-08",
    "to": "2026-11-08"
   }
  },
  "identity": {
   "exchange": {
    "read_by": "EDGAR company_tickers_exchange.json (SEC list of exchange-listed filers)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/files/company_tickers_exchange.json",
    "state": "sourced",
    "value": "NYSE"
   },
   "isin": {
    "market": "US",
    "reason": "several US ISINs on the LEI: US0185811082, US0185812072, US0185813062, US0185814052, US0185815042, US0185816032, US0185817022, US018581AM03, US018581AN85, US018581AP34, US018581AQ17, US018581AR99, USU01797AK20, USU01797AL03, USU01797AM85, USU01797AN68",
    "state": "not_on_record"
   },
   "jurisdiction": {
    "read_by": "EDGAR submissions API (issuer header as filed) (stateOfIncorporation)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001101215.json",
    "state": "sourced",
    "value": "United States — Delaware"
   },
   "lei": {
    "read_by": "GLEIF name-exact (jurisdiction US-DE; GLEIF golden copy 2026-09-12)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://api.gleif.org/api/v1/lei-records/549300G8S4PO686J7H97",
    "state": "sourced",
    "value": "549300G8S4PO686J7H97"
   },
   "name": {
    "read_by": "EDGAR submissions API (issuer header as filed)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001101215.json",
    "state": "sourced",
    "value": "BREAD FINANCIAL HOLDINGS, INC."
   },
   "sector": {
    "read_by": "EDGAR submissions API (issuer header as filed) (SIC code as assigned by the SEC)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001101215.json",
    "state": "sourced",
    "value": "6141 Personal Credit Institutions"
   },
   "security_type": {
    "read_by": "EDGAR submissions API (issuer header as filed)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001101215.json",
    "state": "sourced",
    "value": "Corporate"
   },
   "segment": {
    "market": "US",
    "state": "not_on_record"
   },
   "ticker": {
    "read_by": "EDGAR company_tickers_exchange.json (SEC list of exchange-listed filers)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/files/company_tickers_exchange.json",
    "state": "sourced",
    "value": "BFH-PC"
   },
   "website": {
    "market": "US",
    "state": "not_on_record"
   }
  },
  "licensed": {
   "columns": [
    "licensor",
    "entitlement",
    "title",
    "date",
    "source"
   ],
   "rows": [],
   "rule": "A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded."
  },
  "lifecycle": {
   "delisting": [],
   "domicile_change": {
    "market": "US",
    "reason": "EDGAR states no dated change of state of incorporation on a filing line",
    "state": "not_on_record"
   },
   "listing": [],
   "name_change": [],
   "segment_move": {
    "market": "US",
    "reason": "the exchanges' tier transfers are not EDGAR filings",
    "state": "not_on_record"
   }
  },
  "market": "US",
  "node": "us-cm-kg",
  "numbers_hash": "sha256:1b2e59a325863c785795bbc0a51cb53c83f8e4dea17f8dfe3d2df1b3137ca797",
  "open_research": {
   "read_date": "2026-11-11",
   "rows": [],
   "state": "none_found"
  },
  "orderability": {
   "chapter_as_of": "2026-11-04",
   "client_categories": [],
   "determinable": false,
   "read": {
    "chapter": "https://mcp.us-cm-kg.ai/book/aio.json",
    "door": "https://mcp.us-cm-kg.ai/mcp",
    "tool": "get_orderability"
   },
   "reason": "the chapter's orderability section carries no client_categories: the outcome cannot name its client category",
   "rule_version": "acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1",
   "section": "us.aio.v8"
  },
  "record": {
   "as_of": "2026-11-08",
   "url": "https://mcp.us-cm-kg.ai/record/NYSE/BFH-PC",
   "version": 1
  },
  "schema": "research-numbers v0.1 (USR-01, 2026-11-11)",
  "status": {
   "read_date": "2026-11-08",
   "source": "https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts",
   "value": "listed, not halted"
  }
 },
 "numbers_hash": "sha256:1b2e59a325863c785795bbc0a51cb53c83f8e4dea17f8dfe3d2df1b3137ca797",
 "path": "/us/NYSE/BFH-PC",
 "schema": "research-page v0.1 (USR-02, 2026-11-11)",
 "sections": [
  {
   "id": "identity",
   "text": "The issuer is BREAD FINANCIAL HOLDINGS, INC., listed on the NYSE under ticker BFH-PC. The ISIN is not on the record; the LEI is 549300G8S4PO686J7H97, and the LEI carries several US ISINs. The security type is Corporate. The segment is not on the record. The sector is 6141 Personal Credit Institutions, and the jurisdiction is United States, Delaware. The issuer is listed and not halted.",
   "title": "Identity and listing"
  },
  {
   "id": "disclosure",
   "text": "The record holds 99 filings in the twelve months to 2026-11-08, across 55 filing days. The median gap between filing days is 4.0 days. The latest filing is dated 2026-11-03, is of type regulatory_filing, and is 5 days before the record date. On the NYSE, the median cadence gap is 6.0 days, the median filings count is 64.0, and the median latency is 4.0 days across 3,256 issuers. In the sector, the median cadence gap is 4.0 days, the median filings count is 86, and the median latency is 3 days across 19 issuers. The filings by type are: 3 agm_egm, 24 corporate_news, 1 director_change, 33 directors_dealings, 7 prospectus, 23 regulatory_filing, and 8 results.",
   "title": "The disclosure read"
  },
  {
   "id": "auditor",
   "text": "The auditor is not on the record, because the latest annual report cover carries no dei:AuditorName tag. The auditor's location is not on the record. The record holds no auditor changes.",
   "title": "Auditor"
  },
  {
   "id": "events",
   "text": "The record holds no listing, delisting or name change lines. The domicile change is not on the record, as EDGAR states no dated change of state of incorporation on a filing line. The segment move is not on the record, as the exchanges' tier transfers are not EDGAR filings. The halt flag is listed, not halted.",
   "title": "Events and halts"
  },
  {
   "id": "orderability",
   "text": "The outcome is not determinable. The chapter's orderability section carries no client categories, so the outcome cannot name its client category. The rule version is acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1, and the chapter is as of 2026-11-04.",
   "title": "Orderability"
  },
  {
   "id": "coverage",
   "text": "No research houses were found on the issuer's investor-relations pages read. The count is 0.",
   "title": "Coverage"
  },
  {
   "id": "open_research",
   "text": "No openly published research notes were found. The count is 0.",
   "title": "Open research"
  },
  {
   "id": "licensed",
   "text": "Licensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.",
   "title": "Licensed"
  },
  {
   "id": "depth",
   "text": "The market's vintage is sealed. The record holds no sealed years for this issuer. The market's earliest sealed date is 2021-01-04, and the live record began on 2026-09-12.",
   "title": "As-of depth"
  },
  {
   "id": "sources",
   "text": "7 source pages are named on this page; every value above carries its own source page and read date in the numbers.",
   "title": "Sources"
  }
 ],
 "sources": [
  {
   "for": "identity.exchange",
   "source": "https://www.sec.gov/files/company_tickers_exchange.json"
  },
  {
   "for": "identity.jurisdiction",
   "source": "https://data.sec.gov/submissions/CIK0001101215.json"
  },
  {
   "for": "identity.lei",
   "source": "https://api.gleif.org/api/v1/lei-records/549300G8S4PO686J7H97"
  },
  {
   "for": "the disclosure lines",
   "source": "https://mcp.us-cm-kg.ai/events/NYSE/BFH-PC"
  },
  {
   "for": "the halt flag",
   "source": "https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts"
  },
  {
   "for": "the orderability chapter",
   "source": "https://mcp.us-cm-kg.ai/book/aio.json"
  },
  {
   "for": "the record",
   "source": "https://mcp.us-cm-kg.ai/record/NYSE/BFH-PC"
  }
 ],
 "title": "BREAD FINANCIAL HOLDINGS, INC. (BFH-PC) — research page",
 "writer": {
  "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers",
  "engine": "claude-haiku-5-5"
 }
}