On this page of Benford's Law Stocks.com we present our study of BREAD FINANCIAL HOLDINGS, INC. — ticker symbol BFH. SEC filings have been screened by our Benford's Law software, for quarterly 10Q and annual 10K filings from 2/26/2021 to 10/27/2025 for BREAD FINANCIAL HOLDINGS, INC. under CIK number 0001101215. For filings made in XBRL (eXtensible Business Reporting Language) format, our algorithm extracts all "tagged" numbers presented by the company; for any non-XBRL filings our algorithm uses its own interal set of rules to extract what it believes to be numbers as found throughout the filings. The format found for each filing is presented below together with the results for BFH, with the percentage of found numbers beginning with each digit (1's, 2's, 3's, 4's, 5's, 6's, 7's, 8's, and 9's) charted against the "normal" range observed throughout our coverage universe, as well as the "normal" range for BREAD FINANCIAL HOLDINGS, INC. based on the past BFH filings our system processed in the past.
Benford Chart for BFH 10Q Filed 10/27/2025
34.1
18.8
12.6
11.3
5.5
5.7
3.9
3.9
4.2
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
XBRL? ✓  [ original filing, BFH stockholder letter ]
Total numbers found: 922
Recent share count: 46,642,430 (4's column)

■ = Typical range across full coverage universe
# of Numbers Found in Filing
Benford's Law Stocks Indicator
922
Normal count compared to other filers, falling within the middle 50%. At this number count, it would take about 9 numbers to move any given column by a full percentage point.
Benford's Law Stocks Score for BFH = 88
88

Starting from a possible score of 100, we made the following score deductions:
 • We deducted point upon observing the 4's percentage was above the typical coverage universe range.
 • We deducted point upon observing the 4's percentage was above the company's typical historical range.
 • We deducted point upon observing the 5's percentage was below the typical coverage universe range.
 • We deducted point upon observing the 5's percentage was below the company's typical historical range.
 • The 6's percentage was higher than the 5's percentage, increasing the penalty multiplier.
 • We deducted point upon observing the 7's percentage was below the typical coverage universe range.
 • The 9's percentage was higher than the 8's percentage, increasing the penalty multiplier.
 • This is the 2nd column with percentage higher than the prior column, resulting in a penalty deduction.
BFH's Score Vs. Typical Stock
Benford's Law Stocks Indicator
BFH
Normal-to-high score compared to other filers, falling within the top of the middle 50%.
Other Stocks Ranking Near BFH
AEE
APH
BSX
CNO
 AEVA
BALY
BKKT
CNNE
Check our work! We provide our BREAD FINANCIAL HOLDINGS, INC. Benford's Law analysis for informational purposes only, and our software should be expected to make mistakes and contain errors (nothing you see on this website should be relied upon for any decision-making without first repeating the analysis yourself independently), and so below we present to you all of the numbers our system detected, for the BFH filing above. This way, you can open the filing on your own and compare what you see below against what you yourself find. This can also be helpful for exploring any columns in particular that caught your eye.

1's 2's 3's
We found 314 numbers that start with the digit 1. Here they are:
1,198
1,224
135
161
1,242
1,277
139
153
1,032
1,037
111
145
141
164
1,933
106
136
144
1,433
1,525
196
100
136
188
1
188
188
1
1
1
1
191
10,000
12,408
17,655
18,896
15,585
16,655
122
142
1,236
1,403
13,535
13,082
1,105
1,075
1,201
18,397
19,840
1
1
1,900
1,432
16
1
1,929
1,255
19
188
188
13
13
11
11
1
1,900
1,432
16
1
1,012
12
12
11
11
1
1,003
16
1
190
190
1
1,900
1,432
16
1
19
1
1
11
11
1
1,003
16
12
17
19
105
131
115
13
19
1,524
1,380
156
100
16
10
132
182
1,265
1,903
1,617
13
190
11
1,591
1,707
145
15
17,341
18,586
17,655
18,896
15,585
16,655
10.0
12.4
1,292
15,956
17,248
1,387
17,105
18,492
1
15
15
13
16
100
1.5
1.4
18
15
14
14,099
16,342
103
102
1,040
1,123
11.7
10
10,000
12,408
192
174
170
193
19
174
195
170
193
19
174
195
170
140
19
142
19
140
19
142
19
140
167
140
167
162
145
13,511
13,055
13,535
13,082
1,875
1,767
13,535
13,082
1,180
1,143
100
10
1,119
1,010
14
11
1,105
1,350
1,350
1,335
100
10
150
1
100
11
1
1
101.00
150
1,000
1,071
13
1,000
1,070
1
1,955
1,088
141
1,335
1.75
1.1
1.5
145
16
17
19
105
10
136
144
15,585
17,691
16,655
19,011
13,535
13,551
13,082
13,087
1,105
1,179
1,085
174
174
170
170
17,691
17,691
17,691
17,691
13,551
13,551
1,179
1,179
17,432
17,432
19,011
19,011
19,011
19,011
13,087
13,087
1,085
1,085
18,744
18,744
14.0
14.0
17.5
10.0
12.4
18,714
15.4
15.4
16.8
10.0
13.5
15.4
15.4
19.0
10.0
13.6
17
1
19
14
1
16
19
13
16
19
1
14
1
16
16
19
13
16
150
190
160
141,117
160
14
13
17.5
188
1
188
1.0
1.0
We found 173 numbers that start with the digit 2. Here they are:
238
268
210
240
289
272
2,870
2,913
299
2,001
222
228
244
241
230
220
20
22
242
272
2
2
270
2
270
2
273
2,070
2,241
223
217
284
266
21,714
22,891
2,682
200.0
2,073
22
21,714
22,891
2
2
21
2,179
22
2
2
21
2,124
2,073
22
20
20
2,169
2,918
270
270
2,124
270
20
29
20
29
25
21
20
2,070
2,241
278
288
2.9
212
232
27
27
293
298
23.2
21.8
258
23.1
238
21.7
23
21
23
247
21
22
242
29
29
25
2,098
2,164
2,241
2,328
299
2,070
2,190
2,070
2,190
267
286
248
200
223
217
284
266
25
25
2
2
27
25
25
27
25
25
29
24
27
24
27
2,685
2,682
2
2
2
2,650
2,650
2,250
250
2,000
247
250
250
250
200
200
250
2
29
21
26
25
27
242
223
223
217
217
2,682
2,702
223
223
217
217
2,702
2,702
22
22
200
20
200
23
272
2
2
270
2
We found 116 numbers that start with the digit 3. Here they are:
3,531
3,645
3,666
3,806
3,011
3,077
3
37
369
38
38
37
3
3.96
3.96
3
3
3
3
3
3,764
3,679
3,317
3,051
3,166
3
3
3,317
3,170
3,112
3,051
3.8
31
31
3,317
3
3
3
33
33
3,112
3
34
375
300
312
31
32
3,714
3,616
3,779
3,471
3,764
3,451
3,779
3,471
314
310
375
378
358
369
375
378
3.2
314
303
378
30
369
327
348
305
31
3,989
3,226
3,448
3,601
3,301
349
3,213
3
3,787
31
316
3
300
31
3
3,213
30
37
3
35
3
3
3
3
3
3
3
3
3
3
3
3
3.8
3.8
340
31
33.4
3
3
3.96
3.96
38.43
4's 5's 6's
We found 104 numbers that start with the digit 4. Here they are:
45,661,601
44
417
461
4
43
476
40
408
468
4
464
4.04
4.04
46.5
49.7
47.4
49.6
47.5
48.1
464
4
470
4,558
46.0
49.1
46.6
40
40
46.0
49.7
49.7
49.1
464
464
41
41
4
4
46.0
49.3
41
41
49.7
464
41
41
400
454
4.3
4
49
47
49
4,199
4,461
45
4
4
4.25
400
4.62
4,563
4,558
400
4.25
400
4.25
4.25
4.25
400
430
4,650
4
43
4,558
4,572
49
49
47
47
4,572
4,572
4.5
4.0
4.5
4.0
4.5
4.0
40
4
41
4.3
468
4
464
46.5
49.7
47.4
49.6
47.5
48.1
4.04
4.04
We found 51 numbers that start with the digit 5. Here they are:
53
50
54
574
568
5.48
5.44
5.40
5.37
51.0
50.3
5
57
53
505
5.9
58
58
5
5
5
56
5
574
5.47
5
5,557
5.22
5.23
5.22
5.48
5.60
5.54
500
5
5,350
50
5
5.0
5.0
5.0
5
5
51.0
50.3
5.48
5.44
5.40
5.37
5
51
We found 53 numbers that start with the digit 6. Here they are:
655
61
672
614
648
655
61
68
6
6
6
6
6
6
6
67
67
6
6
63
67
67
63
61
68
64
65
656
6.0
698
6
67
61
609
637
61
6,074
642
600
60
6
6.5
6.0
6.5
6.0
6.5
6.0
6
6
6
6
61.56
61.95
7's 8's 9's
We found 36 numbers that start with the digit 7. Here they are:
71
729
77
72
73
723
746
7
767
7
72
775
730
773
7.4
7.8
7.8
7,124
7,653
7.00
719
7.000
700
700
7.000
7.000
7
719
700
74
73
7
750
775
7
7
We found 36 numbers that start with the digit 8. Here they are:
87
869
81
8
8
8
8
8
869
821
8
8
8.3
87
84
869
82
85
8.38
8.375
8.375
8.375
867
8
85
8
82
85
8
8.0
8.0
8.0
8.0
8.0
8.0
841,575
We found 39 numbers that start with the digit 9. Here they are:
95
9
99
971
983
980
99
9.88
9.79
9.74
9.65
999
999
999
980
95
9
94
98
980
900
9.75
999
9.750
9.750
9.750
900
9.750
900
91
99
96
999
9
92.2
9.88
9.79
9.74
9.65
While the above BFH 10Q Filed 10/27/2025 is interesting in isolation, we have found that it is also useful to take a look at older BREAD FINANCIAL HOLDINGS, INC. filings processed by our Benford's Law Stocks algorithm, to see how the company's filings "typically look" on a Benford's Law analysis. Below we repeat the 10Q Filed 10/27/2025 but instead of the chart comparing against the typical company across our coverage universe, below we show the same chart compared against the typical BFH 10Q and 10K filings that we have processed historically. This is followed by similar charts for each of those historical filings.

10Q Filed 10/27/2025
34.1
18.8
12.6
11.3
5.5
5.7
3.9
3.9
4.2
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 88
XBRL? ✓  [ original filing ]
Total numbers found: 922

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10K Filed 2/13/2025
29.4
22.4
12.9
11.0
6.7
4.5
5.3
4.0
3.7
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 96
XBRL? ✓  [ original filing ]
Total numbers found: 1,298

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 5/1/2024
36.6
23.1
14.3
7.9
5.2
3.1
3.3
2.9
3.6
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 76
XBRL? ✓  [ original filing ]
Total numbers found: 580

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 8/2/2023
31.4
23.1
11.5
9.6
9.4
4.8
4.0
3.2
3.1
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 96
XBRL? ✓  [ original filing ]
Total numbers found: 876

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 11/4/2022
35.4
21.9
9.8
9.8
6.9
5.1
5.7
2.9
2.7
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 94
XBRL? ✓  [ original filing ]
Total numbers found: 830

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10K Filed 2/25/2022
28.7
21.9
10.9
10.9
7.7
6.0
5.6
4.2
4.3
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 97
XBRL? ✓  [ original filing ]
Total numbers found: 1,830

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 5/5/2021
33.1
18.4
13.5
8.2
7.8
7.1
5.0
3.4
3.5
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 99
XBRL? ✓  [ original filing ]
Total numbers found: 969

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 7/28/2025
34.5
22.5
10.4
11.7
7.0
3.2
3.7
3.7
3.2
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 90
XBRL? ✓  [ original filing ]
Total numbers found: 895

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 10/30/2024
30.2
21.0
16.5
6.8
7.8
6.6
4.5
3.1
3.7
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 83
XBRL? ✓  [ original filing ]
Total numbers found: 916

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10K Filed 2/20/2024
28.6
22.5
13.1
10.3
6.6
6.2
5.1
5.1
2.6
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 94
XBRL? ✓  [ original filing ]
Total numbers found: 1,286

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 5/1/2023
30.7
25.5
10.2
9.3
6.1
5.0
5.7
2.7
4.8
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 80
XBRL? ✓  [ original filing ]
Total numbers found: 560

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 8/4/2022
37.1
20.4
8.2
9.3
9.5
4.2
4.1
3.6
3.6
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 89
XBRL? ✓  [ original filing ]
Total numbers found: 813

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 11/3/2021
30.0
20.2
12.5
8.5
8.1
7.3
5.0
4.2
4.1
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 99
XBRL? ✓  [ original filing ]
Total numbers found: 1,350

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10K Filed 2/26/2021
28.4
19.9
11.7
11.1
8.5
6.0
4.2
5.5
4.5
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 93
XBRL? ✓  [ original filing ]
Total numbers found: 2,248

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 4/28/2025
36.2
22.3
10.8
10.9
5.6
3.5
3.5
3.8
3.2
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 89
XBRL? ✓  [ original filing ]
Total numbers found: 677

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 7/31/2024
33.8
24.3
12.1
10.4
7.1
4.6
3.2
3.0
1.5
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 86
XBRL? ✓  [ original filing ]
Total numbers found: 804

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 10/26/2023
29.8
23.5
14.5
7.0
7.1
6.8
5.7
3.0
2.6
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 90
XBRL? ✓  [ original filing ]
Total numbers found: 876

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10K Filed 2/28/2023
31.2
22.2
9.9
10.8
6.2
6.6
4.8
5.6
2.8
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 84
XBRL? ✓  [ original filing ]
Total numbers found: 1,282

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 5/5/2022
34.0
21.6
9.5
10.0
7.1
4.3
5.7
4.7
3.3
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 98
XBRL? ✓  [ original filing ]
Total numbers found: 580

■ = Typical BFH range from 2/26/2021 to 10/27/2025
10Q Filed 8/5/2021
29.5
19.7
11.4
8.4
8.0
7.2
4.3
5.6
5.9
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 74
XBRL? ✓  [ original filing ]
Total numbers found: 1,311

■ = Typical BFH range from 2/26/2021 to 10/27/2025
CPTKW 10Q Filed 12/5/2025:
19
BBY 10Q Filed 12/5/2025:
67
DOCU 10Q Filed 12/5/2025:
67
SRXH 10K Filed 12/5/2025:
78
GES 10Q Filed 12/5/2025:
98
DDS 10Q Filed 12/5/2025:
68
ANF 10Q Filed 12/5/2025:
89
CHPT 10Q Filed 12/5/2025:
68
SFIX 10Q Filed 12/5/2025:
83
SNOW 10Q Filed 12/5/2025:
95
SIG 10Q Filed 12/5/2025:
89
WOOF 10Q Filed 12/5/2025:
84
COO 10K Filed 12/5/2025:
94
HRL 10K Filed 12/5/2025:
97
DKS 10Q Filed 12/5/2025:
91
WLY 10Q Filed 12/5/2025:
82
SCVL 10Q Filed 12/5/2025:
78
VSCO 10Q Filed 12/5/2025:
98
NOTV 10K Filed 12/5/2025:
93
AZTA 10K Filed 12/4/2025:
93
AGX 10Q Filed 12/4/2025:
71
SPWH 10Q Filed 12/4/2025:
81
TLYS 10Q Filed 12/4/2025:
91
TITN 10Q Filed 12/4/2025:
91
NTNX 10Q Filed 12/4/2025:
90
SWBI 10Q Filed 12/4/2025:
74
S 10Q Filed 12/4/2025:
94
ULTA 10Q Filed 12/4/2025:
80
BFA 10Q Filed 12/4/2025:
66
CXM 10Q Filed 12/4/2025:
90
ZUMZ 10Q Filed 12/4/2025:
70
FIVE 10Q Filed 12/4/2025:
78
VLGEA 10Q Filed 12/4/2025:
35
AMBA 10Q Filed 12/4/2025:
100
SAIC 10Q Filed 12/4/2025:
89
DCI 10Q Filed 12/4/2025:
50
REX 10Q Filed 12/4/2025:
84
DG 10Q Filed 12/4/2025:
96
REG 10Q Filed 12/3/2025:
96
CRM 10Q Filed 12/3/2025:
61
 

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