BALLOU ROGER H 4

What Happened
Roger H. Ballou, a director of Bread Financial Holdings, Inc. (BFH), reported a gift of 1,351 common shares on February 19, 2026. The Form 4 shows the shares were disposed as a gift at $0.00 per share (total proceeds $0). The filing was submitted to the SEC on February 20, 2026.

Key Details

• Transaction date: 2026-02-19; reported on Form 4: 2026-02-20.
• Transaction type/code: Gift (G). Price: $0.00; Shares transferred: 1,351; Total proceeds: $0.
• Shares owned after transaction: Not specified in the provided filing.
• Footnote: Mr. Ballou transferred the 1,351 shares as a gift for charitable purposes.
• Filing timeliness: Filed the next day; appears timely (Form 4s are generally required within two business days).

Context
Gifts by insiders are typically for charitable, estate planning, or personal reasons and do not necessarily indicate a change in the insider’s view of the company’s prospects. This report documents the transfer but does not provide evidence of trading for profit or loss.