Jonathan Bryan Campbell - 17 Feb 2026 Form 4/A - Amendment Insider Report for BREAD FINANCIAL HOLDINGS, INC. (BFH)

Role: SVP, Chief Accounting Officer
Signature: 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: 20 Feb 2026, 12:17:13 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
Campbell Jonathan Bryan	SVP, Chief Accounting Officer	3095 LOYALTY CIRCLE, COLUMBUS	Benjamin L. Morgan, Attorney in Fact	20 Feb 2026	0001893356

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BFH	Common Stock	Award		+1,728	+4.7%		38,877	17 Feb 2026	Direct	F1, F2

* 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 1,728 shares of common stock represented by performance-based RSUs, which may be adjusted up or down at the time the performance targets are measured at the end of the three-year performance period. These performance-based RSUs may vest on 2/17/29 contingent on meeting predetermined performance measures and subject to continued employment (subject to certain limited exceptions) by the Reporting Person on the vesting date.
F2	This amendment is being filed to add an inadvertently omitted transaction.

Content

The new grant is for 1,728 shares of common stock represented by performance-based RSUs, which may be adjusted up or down at the time the performance targets are measured at the end of the three-year performance period. These performance-based RSUs may vest on 2/17/29 contingent on meeting predetermined performance measures and subject to continued employment (subject to certain limited exceptions) by the Reporting Person on the vesting date.

This amendment is being filed to add an inadvertently omitted transaction.