Insider trade

Director received an award of 499 BFH shares

Traded Jan 15, 2026 · Filed Jan 20, 2026

Bread Financial Holdings, Inc.BFH

499
Shares

Why it stands out

Compensation award — excluded from discretionary-purchase analysis.

Written from the filing's own figures. OQRO describes what was reported and never tells you what to buy or sell

View the official recordSEC Form 4 — Statement of Changes in Beneficial Ownership

All the details

Dates, kept separate

Transaction date: Jan 15, 2026
Reporting period: Not applicable
Filed with the SEC: Jan 20, 2026

DirectorGrant / award

Context

Classification

grant award

Code A — grant or award

Planned / mechanical clue

Footnote references vesting of compensation awards

Only flagged when a footnote says so; never inferred

Source receipt

Record ID: 0001321140-26-000002
Filed / recorded

Jan 20, 2026, 8:51 PM UTC

Added to OQRO

Oct 6, 2026, 10:14 PM UTC

Parser

form4-xml-v2

Data quality

Verified: identifiers matched exactly

Issuer

BREAD FINANCIAL HOLDINGS, INC.

Issuer CIK

1101215

Ticker

BFH

Reporting person

John C Gerspach

Relationship

Director

Security

Common Stock

Table

Non-derivative (Table I)

Transaction date

Jan 15, 2026

Transaction code

A

Shares / units

499

Acquired / disposed

Acquired (A)

Shares owned after

46,723

Ownership form

Direct

Amendment

No

Footnotes from the filing

The new grant is for 499 shares of common stock represented by restricted stock units, which will vest on January 15, 2027.
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;