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 5/6/2020 to 2/13/2025 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 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
XBRL? ✓  [ original filing, BFH stockholder letter ]
Total numbers found: 1,298
Recent share count: 49,715,062 (4's column)

■ = Typical range across full coverage universe
# of Numbers Found in Filing
Benford's Law Stocks Indicator
1298
Normal count compared to other filers, falling within the middle 50%. At this number count, it would take about 13 numbers to move any given column by a full percentage point.
Benford's Law Stocks Score for BFH = 96
96

Starting from a possible score of 100, we made the following score deductions:
 • We deducted points upon observing the 2's percentage was above the typical coverage universe range.
 • We deducted point upon observing the 4's percentage was above the typical coverage universe range.
 • We deducted point upon observing the 6's percentage was below the typical coverage universe range.
 • The 7's percentage was higher than the 6's percentage, increasing the penalty multiplier.
BFH's Score Vs. Typical Stock
Benford's Law Stocks Indicator
BFH
High score compared to other filers, with BFH falling in the highest quartile of filers.
Other Stocks Ranking Near BFH
AVA
AXP
BIO
BRDG
 AVNS
BCO
BHB
BKH
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 382 numbers that start with the digit 1. Here they are:
184
11
144
128
114
1,397
1,229
1,594
147
161
180
116
113
1,932
102
19
1
14.79
14.39
14.74
14.34
1
19
19
12,408
12,844
18,896
19,333
16,655
17,005
142
167
1,403
1,364
13,082
13,620
1,394
1,201
1,311
19,840
1
1
19
1
19
19
12
12
1
1
19
1
1.0
1
1,397
1,229
1,594
116
113
11
117
134
109
1,859
1,987
1,848
1,154
101
1,804
14
14
1,169
1,401
1,882
1,727
15
13
12
12
19
19
18,586
18,999
18,896
19,333
16,655
17,005
12.4
12.8
1,387
17,105
18,492
1,554
17,373
18,927
1.4
1,027
1
15
16
16
18
1.7
1.4
19.2
18
17
16
15,663
14,196
103
113
102
1,832
1,397
1,229
1,594
10
10
1,489
1,375
187
10
11.9
12.0
10
12,408
12,844
170
171
195
170
192
171
195
170
192
171
140
167
140
167
141
164
141
164
167
145
113
108
115
108
115
112
108
123
1
1
109
124
109
128
11
108
145
144
182
1,403
1,364
14
13
19
170
128
13,055
13,594
13,082
13,620
1,767
13,082
13,620
187
100
10
1,010
1,416
11
1,394
1,350
100
100
100
100
100
107
107
10
130
101.00
100
1,955
141
1,025
1.1
1.2
100
1,000
1,000
10
10
1,010
11
16
128
148
182
1,201
1,311
1.5
120
132
154
144
128
114
112
128
142
107
16,655
19,011
17,005
19,802
13,082
13,087
13,620
13,583
1,085
1,394
1,457
170
170
171
171
19,011
19,011
19,011
19,011
13,087
13,087
1,085
1,085
18,744
18,744
19,802
19,802
19,802
19,802
13,583
13,583
1,457
1,457
18,940
18,940
12.4
12.4
13.8
10.0
11.5
19,928
16.5
16.5
17.9
10.0
15.3
15.4
15.4
16.7
10.0
14.3
1
1,000,000
1,441,327
107,590
17
1,500,000
143,633
100
1
19
19
18
16
19
19
1.0
1.0
1
19,067
19,067
108,457
164,946
1,107,663
1,272,609
175,587
1,172,465
1,348,052
1,758,552
1,307,833
1,551,145
100
150
18
162
156
1
1
187
10
1
1
102
15
1
16
1
102
16
12
14
19
12
19
15
11
118
113
1
15
14
1
11
13
10
1
10
154
1
19
1
1
1
14.79
14.39
14.74
14.34
1.2
123
147
1,394
1,061
1,458
11
12
11
116
111
107
105
1,063
121
12
1
182
1,063
1,063
1,401
1,882
10
12
159
19
We found 291 numbers that start with the digit 2. Here they are:
2.2
204
243
260
230
226
23
2,441
2,232
274
219
227
2,060
2,092
231
279
224
2
277
223
277
223
2
25
2
2
274
204
2,241
2,328
217
266
253
22,891
23,141
20,223
200.0
2,073
2,169
22
2,918
22,891
23,141
2,174
2
2,086
223
223
2
2,192
21
2,265
2
2
2
2
2,169
2,918
277
277
2,073
22
277
223
245
21
26
24
230
28
26
25
2,499
218
2,390
2,592
209
2,778
2
227
292
26
228
285
2.9
272
250
26
20
2,241
2,328
288
2.6
27
27
298
22.0
269
21
22
242
22
214
269
29
23
2.5
2.3
230
2,328
2,464
2,241
2,328
2,464
217
217
266
253
25
21
25
21
27
25
25
27
25
25
23
21
21
23
21
21
28
25
221
2
2
223
227
231
2
233
237
26
29
24
228
285
26
200
25
29
27
23
24
24
22
20
27
26
2,863
27
26
22
2
25
25
238
20
2,650
2,015
2,650
275
260
275
2,250
2,250
250
250
250
250
200
200
250
2
26
295
273
250
286
202
24
2
22
22
23
219
227
217
217
217
217
217
217
217
217
25,000
29
25
24
2
21
2
2
22
25
2,400,000
203,687
203,687
2,463,907
218,077
227,060
2,089,831
243,312
2,267,738
2,747,196
2,648,763
21
297
261
279
29
2
299
200
2
2
245
231
203
27
2
29
20
2
231
20
29
21
2
22
233
247
25
2
242
20
215
21
2
200
226
238
279
224
2
277
223
2
21
2
2,918
242
241
22
263
259
277
223
277
223
277
220
219
218
2
2
21
2
We found 168 numbers that start with the digit 3. Here they are:
352
338
381
335
355
3,838
3,826
3,060
326
359
300
301
300
381
300
3
3
3,679
3,590
3,898
3,051
33
33
3
3
3
30
30
35
35
3
3
3
3,051
33
3,222
377
31
30
36
300
319
3,587
39
35
3
3,086
3,267
311
3,616
3,927
3,923
3,714
3,616
3,927
338
3,679
3,590
3,891
35
36
3,714
3,616
3,927
330
3.1
35
35
38
310
334
378
371
369
323
378
371
317
303
303
378
388
30
32
367
332
305
323
36
35
37
30
35
37
3,226
3,601
3,734
3,591
3,406
31
3
316
350
3,213
3,550
3,900
3,898
316
30.74
38.43
30.74
38.43
39
30
300
3,550
3,213
3,213
3,213
350
326
300
3,898
3,900
3,900
3,900
30
3
3
3
3
3
3
30
30
3,075,000
33
38.02
331,279
37.78
30
375
3
381
300
37
321
3
34
36
36
38.43
3,195
3,615
3,051
382
38
31
3
383
383
300
319
39
35
3
3
318
4's 5's 6's
We found 143 numbers that start with the digit 4. Here they are:
49,092,356
4,820
4,961
4,615
4,684
4,064
4,266
4,181
469
4,289
428
4.48
40
4.47
4.47
40
4.46
49.6
49.8
49.9
4
4,558
49.1
49.3
49.8
43
43
49.9
44
44
44
44
49.3
44
44
49.1
44
42
473
43
48
4,248
4,807
43
42
43
4
466
45
410
48
422
4.1
4
47
46
49
4
4
4
4
42
4,461
4,769
4
4
4.25
4.62
4,563
4,558
400
4.25
4.25
4.25
486
400
44
4.62
450
4,563
4,558
422
44
4
4,558
4,572
47
47
46
46
44
4,572
4,572
4.5
4.0
4.5
4.0
4.5
4.0
441,327
43.69
44
434,049
443,303
49.89
43.39
479,458
41.54
41.80
47
43
42
43
4
41
44
4
4
48
48
4
40
49.6
49.8
49.9
4.48
40
4.47
4.47
40
4.46
4,112
4,376
4,112
4,376
44
445
40
422
45
43
42
43
We found 87 numbers that start with the digit 5. Here they are:
5,024
5,145
541
503
5.63
5.58
5.54
5.49
50.4
50.0
50.0
54
54
55
55
54
50
5,111
541
55
592
51
59
5.9
58
57
55
5
5
554
50
581
574
509
500
5.47
5
5,557
5,292
5.48
5.60
5.54
500
51
53
5,425
5,350
570
500
5.47
500
500
5,573
5
5,557
59
5.0
5.0
5.0
5
520,328
55
55
5,000,000
54
5
5
56
53.82
56.58
5
534
554
51
53
50.4
50.0
50.0
5.63
5.58
5.54
5.49
51
55
5
5
5
We found 58 numbers that start with the digit 6. Here they are:
69
608
6
68
67
63
60
60
68
6.5
651
61
634
629
6.9
61
660
6,228
600
6.36
6.59
6.48
61.48
61.48
68
600
6
69
62
6
6.5
6.0
6.5
6.0
6.5
6.0
648,952
63.22
65.83
68.86
67.49
68,012
68,012
6
65
68
63
6
629
629
6
61.48
612
62
64
6
684
644
7's 8's 9's
We found 69 numbers that start with the digit 7. Here they are:
779
76
737
718
718
720
746
762
767
718
718
767
7
7
718
7
72
788
7
72
7
71
78
730
7.5
7
7
708
7.0
7.00
700
700
7.000
7.000
7.000
7.000
75
73
79
750
775
7,667,594
759,435
766,178
78.23
730,635
73
76
76
79
763
768
744
747
73
708
708
7
74
737
718
7
773
722
718
718
718
7
709
We found 52 numbers that start with the digit 8. Here they are:
879
897
867
87
84
84
88
88
84
8
85
86
87
840
894
861
809
8.2
84
82
852
801
87
88
867
8.0
8.0
8.0
8.0
8.0
8.0
85
8
89.14
82,513
848,691
8,983
89,390
87,527
87,527
825,768
85
80
8
8
8
87
8
86
84
805
894
We found 48 numbers that start with the digit 9. Here they are:
960
90
968
999
999
93
9
999
90
92
92
98
922
954
972
98
9
900
9.75
999
9.750
9.750
9.750
9.750
900
900
999
999
920,999
9
91,416
9,254
95,133
964
968
9
9
9
9
999
99
96
910
958
946
977
910
910
While the above BFH 10K Filed 2/13/2025 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 10K Filed 2/13/2025 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.

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 5/6/2020 to 2/13/2025
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: 75
XBRL? ✓  [ original filing ]
Total numbers found: 580

■ = Typical BFH range from 5/6/2020 to 2/13/2025
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: 95
XBRL? ✓  [ original filing ]
Total numbers found: 876

■ = Typical BFH range from 5/6/2020 to 2/13/2025
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: 93
XBRL? ✓  [ original filing ]
Total numbers found: 830

■ = Typical BFH range from 5/6/2020 to 2/13/2025
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 5/6/2020 to 2/13/2025
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 5/6/2020 to 2/13/2025
10Q Filed 8/4/2020
28.3
20.9
13.5
8.8
8.1
7.1
4.3
4.8
4.2
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 99
XBRL? ✓  [ original filing ]
Total numbers found: 1,546

■ = Typical BFH range from 5/6/2020 to 2/13/2025
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 5/6/2020 to 2/13/2025
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: 95
XBRL? ✓  [ original filing ]
Total numbers found: 1,286

■ = Typical BFH range from 5/6/2020 to 2/13/2025
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: 79
XBRL? ✓  [ original filing ]
Total numbers found: 560

■ = Typical BFH range from 5/6/2020 to 2/13/2025
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: 90
XBRL? ✓  [ original filing ]
Total numbers found: 813

■ = Typical BFH range from 5/6/2020 to 2/13/2025
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 5/6/2020 to 2/13/2025
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 5/6/2020 to 2/13/2025
10Q Filed 5/6/2020
31.2
20.1
15.5
9.1
6.7
7.2
4.5
3.1
2.6
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 93
XBRL? ✓  [ original filing ]
Total numbers found: 1,070

■ = Typical BFH range from 5/6/2020 to 2/13/2025
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 5/6/2020 to 2/13/2025
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: 91
XBRL? ✓  [ original filing ]
Total numbers found: 876

■ = Typical BFH range from 5/6/2020 to 2/13/2025
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 5/6/2020 to 2/13/2025
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: 95
XBRL? ✓  [ original filing ]
Total numbers found: 580

■ = Typical BFH range from 5/6/2020 to 2/13/2025
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 5/6/2020 to 2/13/2025
10Q Filed 11/4/2020
28.6
20.2
13.2
10.7
8.5
6.1
5.2
3.7
3.8
 
%1 %2 %3 %4 %5 %6 %7 %8 %9
Benford's Law Stocks Score: 99
XBRL? ✓  [ original filing ]
Total numbers found: 1,586

■ = Typical BFH range from 5/6/2020 to 2/13/2025
VALU 10Q Filed 3/14/2025:
80
SSBK 10K Filed 3/14/2025:
93
BPRN 10K Filed 3/14/2025:
98
MUX 10K Filed 3/14/2025:
91
HNVR 10K Filed 3/14/2025:
97
LPSN 10K Filed 3/14/2025:
79
NEN 10K Filed 3/14/2025:
94
HSON 10K Filed 3/14/2025:
93
BMRC 10K Filed 3/14/2025:
79
UHG 10K Filed 3/14/2025:
85
AMTX 10K Filed 3/14/2025:
98
USCB 10K Filed 3/14/2025:
80
LSBK 10K Filed 3/14/2025:
63
SKYT 10K Filed 3/14/2025:
85
XPOF 10K Filed 3/14/2025:
83
GRI 10K Filed 3/14/2025:
87
GAN 10K Filed 3/14/2025:
57
SGMA 10Q Filed 3/14/2025:
75
ODYY 10Q Filed 3/14/2025:
47
NIMU 10Q Filed 3/14/2025:
49
ZDGE 10Q Filed 3/14/2025:
90
TPET 10Q Filed 3/14/2025:
79
CLEV 10Q Filed 3/14/2025:
50
MYPS 10K Filed 3/14/2025:
93
FRAF 10K Filed 3/14/2025:
96
AROW 10K Filed 3/14/2025:
93
WMT 10K Filed 3/14/2025:
93
MCHX 10K Filed 3/14/2025:
74
MX 10K Filed 3/14/2025:
69
MNTK 10K Filed 3/14/2025:
87
NRXP 10K Filed 3/14/2025:
57
FOA 10K Filed 3/14/2025:
84
WOW 10K Filed 3/14/2025:
89
OGEN 10K Filed 3/14/2025:
96
ATLX 10K Filed 3/14/2025:
60
TRST 10K Filed 3/14/2025:
99
OVBC 10K Filed 3/14/2025:
100
CCI 10K Filed 3/14/2025:
99
ICRPRA 10K Filed 3/14/2025:
97
EBMT 10K Filed 3/14/2025:
95
 

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