Joseph L. Motes III - 17 Feb 2026 Form 4 Insider Report for BREAD FINANCIAL HOLDINGS, INC. (BFH)

Reporting relationship: EVP, CAO, Gen Counsel & Secy
Issuer ticker: BFH
Reported as of: 17 Feb 2026
Net transaction value: -$1,344,258
SEC form: 4
Accepted by SEC: 19 Feb 2026, 20:30:42 UTC
Prior SEC filing: 15 Dec 2025
Source filing: View source filing
Reporting owner signature: Benjamin L. Morgan, Attorney in Fact

Key filing fact

Joseph L. Motes III filed Form 4 for BREAD FINANCIAL HOLDINGS, INC. (BFH) on 19 Feb 2026.

Key facts

This page summarizes Joseph L. Motes III's Form 4 filing for BREAD FINANCIAL HOLDINGS, INC. (BFH).
5 reported transactions and 0 derivative rows are listed below.
Accepted by SEC: 19 Feb 2026, 20:30.

Change

Previous filing in this sequence was filed on 15 Dec 2025.
Current net transaction value: -$1,344,258.

Research use

This tells you what this filing adds before you inspect full transaction and derivative tables.
You can trace every row back to the original SEC filing document.

Evidence

Filed on Form 4

Ownership activity is grounded in SEC Form 4 disclosures.

View source filing

Reporting Owners (1)

CIK 0001648042 Primary reporting owner

Motes Joseph L III

Relationship: EVP, CAO, Gen Counsel & Secy
Address: 7500 DALLAS PARKWAY, SUITE 700, PLANO
Signature: Benjamin L. Morgan, Attorney in Fact
Signature date: 19 Feb 2026

Reported non-derivative transactions

Shares, units, or other non-derivative securities reported in this filing.

BFH transaction

Common Stock

Award

Transaction value
Shares: +8,004
Change %: +6.5%
Price
Shares after: 131,738
Date: 17 Feb 2026
Ownership: Direct
Footnotes: F1

BFH transaction

Common Stock

Award

Transaction value
Shares: +12,005
Change %: +9.1%
Price
Shares after: 143,743
Date: 17 Feb 2026
Ownership: Direct
Footnotes: F2

BFH transaction

Common Stock

Award

Transaction value
Shares: +4,262
Change %: +3%
Price
Shares after: 148,005
Date: 17 Feb 2026
Ownership: Direct
Footnotes: F3

BFH transaction

Common Stock

Tax liability

Transaction value: $1,235,860
Shares: -16,918
Change %: -11%
Price: $73.05
Shares after: 131,087
Date: 17 Feb 2026
Ownership: Direct
Footnotes: F4

BFH transaction

Common Stock

Tax liability

Transaction value: $108,398
Shares: -1,470
Change %: -1.1%
Price: $73.74
Shares after: 129,617
Date: 18 Feb 2026
Ownership: Direct
Footnotes: F4

^* marks a reported price that did not pass the local price check.

Additional SEC filing notes

Filing notes and footnotes

Explanation of responses 4 footnotes

Footnote F1

The new grant is for 8,004 shares of common stock represented by time-based restricted stock units (RSUs). These time-based RSUs will vest over a three-year period, with 2,641 units vesting on 2/17/27, 2,641 units vesting on 2/17/28 and 2,722 units vesting on 2/17/29, subject to continued employment (subject to certain limited exceptions) by the Reporting Person on the vesting dates.

Footnote F2

The new grant is for 12,005 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.

Footnote F3

Based on an annual return on equity (ROE) performance metric goal for each of 2023, 2024 and 2025, at the conclusion of the three-year period ended December 31, 2025, 121.9% of the original award of 19,457 performance-based restricted stock units granted 3/24/23 were earned, resulting in an additional 4,262 units, for a total of 23,719 units.

Footnote F4

Shares withheld by the Company to satisfy the Reporting Person's tax withholding obligation upon the vesting of restricted stock units.