Bread Financial (BFH) director granted 1,638 RSUs vesting in 2027

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

Tucker Laurie Anne reported acquisition or exercise transactions in this Form 4 filing.

Bread Financial Holdings director Laurie Anne Tucker received an equity grant of 1,638 shares of common stock in the form of restricted stock units at no cash cost. These RSUs will vest on June 15, 2027. After this award, she beneficially owns 35,459 shares, including unrestricted stock and multiple prior unvested RSU grants.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Tucker Laurie Anne

Role null

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

Holdings After Transaction: Common Stock — 35,459 shares (Direct, null)

Footnotes (1)

The new grant is for 1,638 shares of common stock represented by restricted stock units, which will vest on June 15, 2027. The total amount of securities beneficially owned includes: (a) 10,761 unrestricted shares; (b) 1,179 unvested restricted stock units granted 6/27/16; (c) 1,085 unvested restricted stock units granted 6/26/17; (d) 1,341 unvested restricted stock units granted 6/25/18; (e) 1,645 unvested restricted stock units granted 6/24/19; (f) 5,007 unvested restricted stock units granted 6/22/20; (g) 1,731 unvested restricted stock units granted 6/15/21; (h) 206 unvested restricted stock units granted 9/15/21; (i) 227 unvested restricted stock units granted 12/15/21; (j) 257 unvested restricted stock units granted 3/15/22; (k) 2,650 unvested restricted stock units granted 6/15/22; (l) 369 unvested restricted stock units granted 7/15/22; (m) 464 unvested restricted stock units granted 10/17/22; (n) 437 unvested restricted stock units granted 1/17/23;

Key Figures

RSU grant size: 1,638 shares Grant price: $0.00 per share Total beneficial ownership: 35,459 shares +2 more

5 metrics

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

Grant price $0.00 per share Compensation award, not open-market purchase

Total beneficial ownership 35,459 shares Shares beneficially owned after the transaction

Unrestricted shares 10,761 shares Portion of beneficial ownership that is unrestricted common stock

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

Key Terms

restricted stock units, beneficially owned, unvested

3 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) 10,761 unrestricted shares; (b) 1,179 unvested restricted stock units granted 6/27/16;"

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.

unvested financial

"(b) 1,179 unvested restricted stock units granted 6/27/16; (c) 1,085 unvested restricted stock units granted 6/26/17;"

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 06/17/2026 - 06:07 PM Accepted by SEC EDGAR 06/17/2026 - 06:06 PM

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^*

Tucker Laurie Anne

(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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	06/15/2026		A⁽¹⁾		1,638	A	⁽¹⁾	35,459⁽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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

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) 10,761 unrestricted shares; (b) 1,179 unvested restricted stock units granted 6/27/16; (c) 1,085 unvested restricted stock units granted 6/26/17; (d) 1,341 unvested restricted stock units granted 6/25/18; (e) 1,645 unvested restricted stock units granted 6/24/19; (f) 5,007 unvested restricted stock units granted 6/22/20; (g) 1,731 unvested restricted stock units granted 6/15/21; (h) 206 unvested restricted stock units granted 9/15/21; (i) 227 unvested restricted stock units granted 12/15/21; (j) 257 unvested restricted stock units granted 3/15/22; (k) 2,650 unvested restricted stock units granted 6/15/22; (l) 369 unvested restricted stock units granted 7/15/22; (m) 464 unvested restricted stock units granted 10/17/22; (n) 437 unvested restricted stock units granted 1/17/23;

Remarks:

Footnote 2, continued: (o) 497 unvested restricted stock units granted 4/17/23; (p) 4,932 unvested restricted stock units granted 6/15/23; (q) 552 unvested restricted stock units granted 7/17/23; (r) 481 unvested restricted stock units granted 10/16/23; and (s) the new grant for 1,638 restricted stock units.

	/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)

Source: View Original Filing on SEC EDGAR

FAQ

What did BFH director Laurie Anne Tucker receive in this Form 4 filing?

Laurie Anne Tucker received an equity grant of 1,638 shares of Bread Financial common stock as restricted stock units. The grant was recorded at a price of $0.00 per share, reflecting a compensation award rather than an open-market purchase.

When do Laurie Anne Tucker’s new BFH restricted stock units vest?

The 1,638 restricted stock units granted to Laurie Anne Tucker will vest on June 15, 2027. Vesting means the RSUs convert into unrestricted shares of common stock if she meets the service or other conditions tied to the award.

How many BFH shares does Laurie Anne Tucker beneficially own after this transaction?

After the grant, Laurie Anne Tucker beneficially owns 35,459 Bread Financial securities. This total includes 10,761 unrestricted shares and a series of unvested restricted stock unit awards granted between June 2016 and January 2023, as detailed in the footnotes.

Was this BFH Form 4 transaction an open-market buy or sell?

No, this Form 4 reports a compensation-related award, not an open-market trade. The transaction code “A” reflects a grant or award acquisition of 1,638 restricted stock units at $0.00 per share, so there was no cash purchase or sale in the market.

What types of BFH awards are included in Laurie Anne Tucker’s beneficial ownership total?

Her beneficial ownership includes unrestricted common shares and multiple unvested restricted stock unit grants. These RSUs were granted on dates such as June 27, 2016, June 24, 2019, June 22, 2020, June 15, 2021, June 15, 2022, and January 17, 2023.