Valerie E. Greer - 11 Dec 2025 Form 4 Insider Report for BREAD FINANCIAL HOLDINGS, INC. (BFH)

Role: EVP, Chief Commercial Officer
Signature: Benjamin L. Morgan, Attorney in Fact
Issuer symbol: BFH
Transactions as of: 11 Dec 2025
Net transactions value: -$92,467
Form type: 4
Filing time: 15 Dec 2025, 18:59:54 UTC
Previous filing: 20 Feb 2025
Next filing: 19 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Greer Valerie E	EVP, Chief Commercial Officer	5 HILLMAN DRIVE, SUITE 103, CHADDS FORD	Benjamin L. Morgan, Attorney in Fact	15 Dec 2025	0001843064

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BFH	Common Stock	Tax liability	$92,467	-1,256	-0.82%	$73.62	151,951	11 Dec 2025	Direct	F1, F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	The reported transaction involved the withholding of an aggregate 1,256 shares of stock issuable upon the early vesting of an equal number of restricted stock units to pay taxes associated with the reporting person becoming retirement eligible. Of the 1,256 shares, (a) 481 were withheld from the time-based restricted stock units granted 2/18/25, (b) 538 were withheld from the time-based restricted stock units granted 2/15/24, and (c) 237 were withheld from the time-based restricted stock units granted 3/24/23.
F2	The total number of securities beneficially owned includes: (a) 50,829 unrestricted shares; (b) 5,500 unvested units from an award of 16,873 time-based restricted stock units granted 3/24/23; (c) 25,310 unvested performance-based restricted stock units granted 3/24/23; (d) 12,490 unvested units from an award of 19,444 time-based restricted stock units granted 2/15/24; (e) 29,166 unvested performance-based restricted stock units granted 2/15/24; (f) unvested 11,174 time-based restricted stock units granted 2/18/25; and (g) unvested 17,482 performance-based restricted stock units granted 2/18/25.

Content

The reported transaction involved the withholding of an aggregate 1,256 shares of stock issuable upon the early vesting of an equal number of restricted stock units to pay taxes associated with the reporting person becoming retirement eligible. Of the 1,256 shares, (a) 481 were withheld from the time-based restricted stock units granted 2/18/25, (b) 538 were withheld from the time-based restricted stock units granted 2/15/24, and (c) 237 were withheld from the time-based restricted stock units granted 3/24/23.

The total number of securities beneficially owned includes: (a) 50,829 unrestricted shares; (b) 5,500 unvested units from an award of 16,873 time-based restricted stock units granted 3/24/23; (c) 25,310 unvested performance-based restricted stock units granted 3/24/23; (d) 12,490 unvested units from an award of 19,444 time-based restricted stock units granted 2/15/24; (e) 29,166 unvested performance-based restricted stock units granted 2/15/24; (f) unvested 11,174 time-based restricted stock units granted 2/18/25; and (g) unvested 17,482 performance-based restricted stock units granted 2/18/25.