John C. Gerspach - 15 Jan 2026 Form 4 Insider Report for BREAD FINANCIAL HOLDINGS, INC. (BFH)

Role
Director
Signature
Benjamin L. Morgan, Attorney in Fact
Issuer symbol
BFH
Transactions as of
15 Jan 2026
Net transactions value
$0
Form type
4
Filing time
20 Jan 2026, 15:51:10 UTC
Previous filing
17 Oct 2025
SEC
View on sec.gov

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Gerspach John C Director 3095 LOYALTY CIRCLE, COLUMBUS Benjamin L. Morgan, Attorney in Fact 20 Jan 2026 0001321140

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction BFH Common Stock Award +499 +1.1% 46,723 15 Jan 2026 Direct F1, F2
holding BFH Common Stock 6,000 15 Jan 2026 By Gerspach 2020 GST Exempt Trust F3
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id Content
F1 The new grant is for 499 shares of common stock represented by restricted stock units, which will vest on January 15, 2027.
F2 The total amount of securities beneficially owned includes: (a) 17,920 unrestricted shares; (b) 5,981 unvested restricted stock units granted 6/22/20; (c) 2,241 unvested restricted stock units granted 6/15/21; (d) 431 unvested restricted stock units granted 9/15/21; (e) 474 unvested restricted stock units granted 12/15/21; (f) 538 unvested restricted stock units granted 3/15/22; (g) 2,650 unvested restricted stock units granted 6/15/22; (h) 934 unvested restricted stock units granted 7/15/22; (i) 969 unvested restricted stock units granted 10/17/22; (j) 912 unvested restricted stock units granted 1/17/23; (k) 1,038 unvested restricted stock units granted 4/17/23; (l) 4,932 unvested restricted stock units granted 6/15/23; (m) 1,186 unvested restricted stock units granted 7/17/23; (n) 1,033 unvested restricted stock units granted 10/16/23;
F3 The shares are held by the Gerspach 2020 GST Exempt Trust, for which the Reporting Person's spouse serves as trustee.

Remarks:

Footnote 2, continued: (o) 842 unvested restricted stock units granted 4/15/25; (p) 2,802 unvested restricted stock units granted 6/16/25; (q) 671 unvested restricted stock units granted 7/15/25; (r) 670 unvested restricted stock units granted 10/15/25; and (s) the new grant for 499 restricted stock units.