Bread Financial director granted 1,638 RSUs

TURNEY SHAREN J reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

TURNEY SHAREN J reported acquisition or exercise transactions in this Form 4 filing.

BREAD FINANCIAL HOLDINGS, INC. director Sharen J. Turney received an equity grant of 1,638 shares of common stock in the form of restricted stock units, at no purchase price. These units will vest on June 15, 2027, adding to her long-term incentive compensation.

After this award, Turney beneficially owns 23,174 shares, including 8,000 unrestricted shares and multiple blocks of unvested restricted stock units granted between 2019 and 2023. This filing reflects routine, compensation-related share accrual rather than an open-market stock purchase or sale.

Insider Trade Summary

Grant/Award: 1,638 shares

Grant/Award 1 txn

Insider TURNEY SHAREN J

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,638	$0.00	$0.00

Holdings After Transaction: Common Stock — 23,174 shares (Direct)

Footnotes (2)

1. F1. The new grant is for 1,638 shares of common stock represented by restricted stock units, which will vest on June 15, 2027.
2. F2. The total amount of securities beneficially owned includes: (a) 8,000 unrestricted shares; (b) 1,114 unvested restricted stock units granted 6/24/19; (c) 3,432 unvested restricted stock units granted 6/22/20; (d) 1,408 unvested restricted stock units granted 6/15/21; (e) 2,650 unvested restricted stock units granted 6/15/22; (f) 4,932 unvested restricted stock units granted 6/15/23; and (g) the new grant for 1,638 restricted stock units.

Key Figures

RSU grant size: 1,638 shares Grant vesting date: June 15, 2027 Total beneficial ownership: 23,174 shares +5 more

8 metrics

RSU grant size 1,638 shares Restricted stock units granted to director on June 15, 2026

Grant vesting date June 15, 2027 Vesting date for 1,638 new restricted stock units

Total beneficial ownership 23,174 shares Common stock and RSUs beneficially owned after the transaction

Unrestricted shares 8,000 shares Unrestricted common stock held as part of total ownership

2019 RSU grant 1,114 units Unvested restricted stock units granted June 24, 2019

2020 RSU grant 3,432 units Unvested restricted stock units granted June 22, 2020

2022 RSU grant 2,650 units Unvested restricted stock units granted June 15, 2022

2023 RSU grant 4,932 units Unvested restricted stock units granted June 15, 2023

Key Terms

restricted stock units, beneficially owned, unrestricted shares, grant, award, or other acquisition

4 terms

restricted stock units financial

"The new grant is for 1,638 shares of common stock represented by restricted stock units, which will vest on June 15, 2027."

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

beneficially owned financial

"The total amount of securities beneficially owned includes: (a) 8,000 unrestricted shares; (b) 1,114 unvested restricted stock units..."

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

unrestricted shares financial

"The total amount of securities beneficially owned includes: (a) 8,000 unrestricted shares; (b) 1,114 unvested restricted stock units..."

grant, award, or other acquisition financial

"Transaction code A is described as Grant, award, or other acquisition in the transaction details."

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did BFH director Sharen J. Turney report?

Sharen J. Turney reported receiving a grant of 1,638 restricted stock units of Bread Financial common stock. The award is a compensation-related grant at no purchase price, adding to her existing mix of unrestricted and unvested restricted stock holdings in the company.

When do Sharen J. Turney’s new BFH restricted stock units vest?

The 1,638 restricted stock units granted to Sharen J. Turney vest on June 15, 2027. Vesting means the units convert into shares she fully owns, subject to any applicable company policies, creating a long-term alignment with Bread Financial’s performance over that period.

How many BFH shares does Sharen J. Turney beneficially own after this grant?

Following the grant, Sharen J. Turney beneficially owns 23,174 shares of Bread Financial. This total includes unrestricted common stock and several tranches of unvested restricted stock units granted between 2019 and 2023, plus the new 1,638-unit award reported in the filing.

Is Sharen J. Turney’s BFH Form 4 transaction a market purchase or sale?

The Form 4 reports a grant or award of 1,638 restricted stock units, not a market trade. Turney did not buy or sell shares on the open market; instead, she received equity as part of her director compensation in the form of stock-based awards.

What types of BFH equity awards does Sharen J. Turney hold?

Turney holds 8,000 unrestricted BFH shares and multiple unvested restricted stock unit grants. These include awards from June 24, 2019; June 22, 2020; June 15, 2021; June 15, 2022; June 15, 2023; and the new 1,638-unit grant vesting June 15, 2027.

Does the BFH Form 4 mention any stock options or derivatives for Sharen J. Turney?

The filing’s derivative section is empty, indicating no options or other derivative securities are reported for Turney in this Form 4. Her disclosed holdings consist of common stock and restricted stock units, which are share-based awards that vest over stated future dates.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 06/17/2026 - 06:08 PM EDT Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

TURNEY SHAREN J

(Last) (First) (Middle)

3095 LOYALTY CIRCLE

(Street)

COLUMBUS OHIO 43219

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
BREAD FINANCIAL HOLDINGS, INC. [ BFH ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/15/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	06/15/2026		A(1)		1,638	A	(1)	23,174(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The new grant is for 1,638 shares of common stock represented by restricted stock units, which will vest on June 15, 2027.

2. The total amount of securities beneficially owned includes: (a) 8,000 unrestricted shares; (b) 1,114 unvested restricted stock units granted 6/24/19; (c) 3,432 unvested restricted stock units granted 6/22/20; (d) 1,408 unvested restricted stock units granted 6/15/21; (e) 2,650 unvested restricted stock units granted 6/15/22; (f) 4,932 unvested restricted stock units granted 6/15/23; and (g) the new grant for 1,638 restricted stock units.

Remarks:

	/s/ Benjamin L. Morgan, Attorney in Fact	06/17/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)