Perry S. Beberman - 17 Feb 2026 Form 4/A - Amendment Insider Report for BREAD FINANCIAL HOLDINGS, INC. (BFH)

Role: EVP, Chief Financial Officer
Signature: /s/ Benjamin L. Morgan, Attorney in Fact
Issuer symbol: BFH
Transactions as of: 17 Feb 2026
Net transactions value: $0
Form type: 4/A - Amendment
Filing time: 04 Mar 2026, 18:06:24 UTC
Date Of Original Report: 19 Feb 2026
Previous filing: 20 Feb 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Beberman Perry S	EVP, Chief Financial Officer	5 HILLMAN DRIVE, SUITE 103, CHADDS FORD	/s/ Benjamin L. Morgan, Attorney in Fact	04 Mar 2026	0001869941

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BFH	Common Stock	Tax liability		-22,516	-14%	$73.05^*	142,061	17 Feb 2026	Direct	F1

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

Explanation of Responses:

Id	Content
F1	The initial Form 4 filed on February 19, 2026 inadvertently overreported the number of shares of common stock that were withheld for tax withholding purposes upon the vesting of restricted stock units on February 17, 2026. This amendment corrects the number of shares that were withheld on February 17, 2026 (22,516 shares), as well as the resulting total number of shares beneficially owned following all transactions reported in the initial Form 4. This amendment does not change or modify any other information reported on such initial Form 4.

Content

The initial Form 4 filed on February 19, 2026 inadvertently overreported the number of shares of common stock that were withheld for tax withholding purposes upon the vesting of restricted stock units on February 17, 2026. This amendment corrects the number of shares that were withheld on February 17, 2026 (22,516 shares), as well as the resulting total number of shares beneficially owned following all transactions reported in the initial Form 4. This amendment does not change or modify any other information reported on such initial Form 4.