0001101215 2026-05-26 2026-05-26 0001101215 1 2026-05-26 2026-05-26 iso4217:USD pure shares S-8 S-8 EX-FILING FEES 0001101215 BREAD FINANCIAL HOLDINGS, INC. N/A false S-8 BREAD FINANCIAL HOLDINGS, INC. Equity Common Stock true 1097822 85.26 93600303.72 0.0001381 12926.20 93600303.72 12926.20 0.00 12926.20 (1) Consists of up to: (i) 1,000,000 additional shares of Common Stock that may be allocated to plan participants under Bread Financial 401(k) Plan, as amended (the "401(k) Plan"); and (ii) 97,822 shares of Common Stock that remained available for allocation to plan participants under the Alliance Data Systems 401(k) and Retirement Savings Plan (as succeeded by the 401(k) Plan) as of March 31, 2026 (subject to adjustment for any subsequent allocations). (2) Pursuant to Rule 416(a) under the Securities Act of 1933, as amended (the "Securities Act"), this Registration Statement also covers any additional shares of Common Stock that may become issuable under the 401(k) Plan as a result of stock splits, stock dividends or similar transactions. (3) Estimated solely for the purpose of calculating the registration fee pursuant to Rule 457(c) and Rule 457(h) of the Securities Act. The proposed maximum offering price per share is estimated to be $85.26, based on the average of the high sales price (i.e., $86.42) and the low sales price (i.e., $84.09) for the Common Stock on the New York Stock Exchange on May 19, 2026.