0001101215 2025-11-21 2025-11-21 0001101215 1 2025-11-21 2025-11-21 0001101215 2 2025-11-21 2025-11-21 iso4217:USD pure shares S-3 424B5 EX-FILING FEES 333-291573 0001101215 BREAD FINANCIAL HOLDINGS, INC. N/A N/A false S-3 BREAD FINANCIAL HOLDINGS, INC. false Equity 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, par value $0.01 per share true 75000 0.00 0.0001381 0.00 false Equity Depositary shares, each representing a 1/40th interest in a share of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A true 3000000 25.00 75000000.00 0.0001381 10357.50 75000000.00 10357.50 0.00 0.00 10357.50 (1) Calculated in accordance with Rule 457(o) and 457(r) under the Securities Act of 1933, as amended (the "Securities Act"). Payment of the registration fee at the time of filing of the registrant's registration statement on Form S-3ASR, filed with the Securities and Exchange Commission on November 17, 2025 (File No. 333-291573), was deferred pursuant to Rules 456(b) and 457(r) under the Securities Act. (2) No separate consideration will be payable in respect of the shares of Non-Cumulative Perpetual Preferred Stock, Series A, that are being issued in connection with this offering. (1) Calculated in accordance with Rule 457(o) and 457(r) under the Securities Act of 1933, as amended (the "Securities Act"). Payment of the registration fee at the time of filing of the registrant's registration statement on Form S-3ASR, filed with the Securities and Exchange Commission on November 17, 2025 (File No. 333-291573), was deferred pursuant to Rules 456(b) and 457(r) under the Securities Act. (2) No separate consideration will be payable in respect of the shares of Non-Cumulative Perpetual Preferred Stock, Series A, that are being issued in connection with this offering.