{
 "as_of": "2026-11-08",
 "cmr": "us-cm-kg/NYSE/BFH",
 "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) — 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 NYSE under ticker BFH, ISIN US0185811082, LEI 549300G8S4PO686J7H97. Its security type is Corporate, its segment is not on the record, its sector is 6141 Personal Credit Institutions, and its jurisdiction is United States, Delaware. Its listing status is listed, not halted.\n\n## The disclosure read\n\nThe record holds 99 filings in the twelve months from 2025-11-08 to 2026-11-08, across 55 filing days. The median gap between filing days is 4.0 days, against 6.0 days for the NYSE and 4.0 days for the sector. The median latency from latest filing to record date is 4 days for the NYSE and 3 days for the sector, and the issuer's latency is 5 days. The latest filing is dated 2026-11-03 and is of type regulatory_filing. The median filings count is 64.0 for the NYSE and 86 for the sector.\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, and the record holds no auditor changes.\n\n## Events and halts\n\nThe record holds listing lines dated 2025-11-25 and 2026-05-12. It holds no delisting and no name change. The domicile change is not on the record, and the segment move is not on the record. The issuer is listed, not halted.\n\n## Orderability\n\nThe outcome is not determinable under rule version acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1, because the chapter's orderability section names no client category. The chapter is as of 2026-11-04.\n\n## Coverage\n\nNo research house was found on the issuer's investor-relations page, and the count is 0.\n\n## Open research\n\nNo openly published research note was found on the record, and 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 issuer is sealed for the years 2021 through 2026. The market's earliest sealed date is 2021-01-04, and the live record began on 2026-09-12.\n\n## Sources\n\n8 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://www.sec.gov/data-research/sec-markets-data/fails-deliver-data (identity.isin)\n- https://data.sec.gov/submissions/CIK0001101215.json (identity.jurisdiction)\n- https://mapping.gleif.org/api/v2/isin-lei/latest/download (identity.lei)\n- https://mcp.us-cm-kg.ai/events/NYSE/BFH (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 (the record)\n",
 "market": "US",
 "node": "us-cm-kg",
 "numbers": {
  "as_of_depth": {
   "issuer_years_sealed": [
    "2021",
    "2022",
    "2023",
    "2024",
    "2025",
    "2026"
   ],
   "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",
  "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",
   "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": {
    "read_by": "SEC Fails-to-Deliver data (CUSIP for the symbol) · ISIN = US + CUSIP + ISO 6166 check digit",
    "read_date": "2026-10-13",
    "read_date_basis": "last_seen",
    "source": "https://www.sec.gov/data-research/sec-markets-data/fails-deliver-data",
    "state": "sourced",
    "value": "US0185811082"
   },
   "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 ISIN-to-LEI mapping file (daily), LEI by exact ISIN",
    "read_date": "2026-11-08",
    "read_date_basis": "the field",
    "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download (ISIN US0185811082)",
    "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"
   },
   "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": [
    {
     "date": "2025-11-25",
     "source": "https://www.sec.gov/Archives/edgar/data/1101215/000087666125000913/BFHPRA112525.pdf",
     "title": "CERT — NYSE CERTIFICATION"
    },
    {
     "date": "2025-11-25",
     "source": "https://www.sec.gov/Archives/edgar/data/1101215/000119312525295250/d823900d8a12b.htm",
     "title": "8-A12B — 8-A12B"
    },
    {
     "date": "2026-05-12",
     "source": "https://www.sec.gov/Archives/edgar/data/1101215/000087666126000426/BFHPRB051226.pdf",
     "title": "CERT — NYSE CERTIFICATION"
    },
    {
     "date": "2026-05-12",
     "source": "https://www.sec.gov/Archives/edgar/data/1101215/000119312526219015/d854451d8a12b.htm",
     "title": "8-A12B — 8-A12B"
    }
   ],
   "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": "sha256:78e9f5d22c11a34c61e8db2c76777ba43d0715e1d1b96b514acc77b7eab7a12b",
  "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",
   "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": "sha256:78e9f5d22c11a34c61e8db2c76777ba43d0715e1d1b96b514acc77b7eab7a12b",
 "path": "/us/NYSE/BFH",
 "schema": "research-page v0.1 (USR-02, 2026-11-11)",
 "sections": [
  {
   "id": "identity",
   "text": "The issuer is BREAD FINANCIAL HOLDINGS, INC., listed on NYSE under ticker BFH, ISIN US0185811082, LEI 549300G8S4PO686J7H97. Its security type is Corporate, its segment is not on the record, its sector is 6141 Personal Credit Institutions, and its jurisdiction is United States, Delaware. Its listing status is listed, not halted.",
   "title": "Identity and listing"
  },
  {
   "id": "disclosure",
   "text": "The record holds 99 filings in the twelve months from 2025-11-08 to 2026-11-08, across 55 filing days. The median gap between filing days is 4.0 days, against 6.0 days for the NYSE and 4.0 days for the sector. The median latency from latest filing to record date is 4 days for the NYSE and 3 days for the sector, and the issuer's latency is 5 days. The latest filing is dated 2026-11-03 and is of type regulatory_filing. The median filings count is 64.0 for the NYSE and 86 for the sector.",
   "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, and the record holds no auditor changes.",
   "title": "Auditor"
  },
  {
   "id": "events",
   "text": "The record holds listing lines dated 2025-11-25 and 2026-05-12. It holds no delisting and no name change. The domicile change is not on the record, and the segment move is not on the record. The issuer is listed, not halted.",
   "title": "Events and halts"
  },
  {
   "id": "orderability",
   "text": "The outcome is not determinable under rule version acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1, because the chapter's orderability section names no client category. The chapter is as of 2026-11-04.",
   "title": "Orderability"
  },
  {
   "id": "coverage",
   "text": "No research house was found on the issuer's investor-relations page, and the count is 0.",
   "title": "Coverage"
  },
  {
   "id": "open_research",
   "text": "No openly published research note was found on the record, and 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 issuer is sealed for the years 2021 through 2026. 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": "8 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.isin",
   "source": "https://www.sec.gov/data-research/sec-markets-data/fails-deliver-data"
  },
  {
   "for": "identity.jurisdiction",
   "source": "https://data.sec.gov/submissions/CIK0001101215.json"
  },
  {
   "for": "identity.lei",
   "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download"
  },
  {
   "for": "the disclosure lines",
   "source": "https://mcp.us-cm-kg.ai/events/NYSE/BFH"
  },
  {
   "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"
  }
 ],
 "title": "BREAD FINANCIAL HOLDINGS, INC. (BFH) — research page",
 "writer": {
  "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers",
  "engine": "claude-haiku-5-5"
 }
}