Bread Financial Holdings, Inc. (BFH.PA) shareholders
BFH.PANYSEPersonal Credit InstitutionsFiscal year ends December 31Also trades as BFH, BFH.PB
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 27, 2026Score 15/309% below fair value
$24.05−0.13 (-0.54%)
Close on Oct 30, 2026Market cap $4.06BP/E 8.2Yield 0.81%
Ownership
Who owns Bread Financial's shares
Held by institutions
–
Shares held, 13F filers
Institutional holders
–
Net institutional buying
–
Insider trades, 12 months
2 buys · 5 sales
Net sold $2.45M
Holders of more than 5%
Latest Schedule 13D (active) or 13G (passive) filed by each holder
| Holder | Shares | % of class | Filing | As of |
|---|---|---|---|---|
| BlackRock, Inc. | 4,918,073 | 9.96% | 13G (passive) amendment | Dec 31, 2023 |
| Dimensional Fund Advisors LP | 3,086,060 | 7.20% | 13G (passive) amendment | Mar 31, 2026 |
| Vanguard Portfolio Management | 2,793,984 | 6.48% | 13G (passive) | Mar 31, 2026 |
| Vanguard Capital Management | 2,205,722 | 5.11% | 13G (passive) | Mar 31, 2026 |
Officers, directors and major owners
People who filed Forms 3, 4 or 5 in the last two years
| Name | Role | Shares owned | Latest filing |
|---|---|---|---|
| Ralph J. Andretta | President and CEO, Director | 583,241 | Jun 1, 2026 |
| Dennis James McCarthy | EVP, Chief Revenue Officer | 29,546 | Sep 16, 2026 |
| Perry S. Beberman | EVP, Chief Financial Officer | 142,061 | Mar 4, 2026 |
| Allegra S. Driscoll | EVP, Chief Technology Officer | 60,780 | Mar 4, 2026 |
| Jonathan Bryan Campbell | SVP, Chief Accounting Officer | 38,877 | Feb 20, 2026 |
| Joseph L. Motes III | EVP, CAO, Gen Counsel & Secy | 129,617 | Feb 19, 2026 |
| Valerie E. Greer | EVP, Chief Commercial Officer | 155,352 | Feb 19, 2026 |
| Tammy M. McConnaughey | EVP, Operations & Credit Risk | 123,320 | Feb 19, 2026 |
| Praniti Lakhwara | Director | 4,458 | Jul 29, 2026 |
| John C. Gerspach | Director | 55,574 | Jul 17, 2026 |
| Clair Joyce St | Director | 11,307 | Jun 17, 2026 |
| Rajesh Natarajan | Director | 21,442 | Jun 17, 2026 |
| John J. Fawcett | Director | 12,638 | Jun 17, 2026 |
| Timothy J. Theriault | Director | 27,384 | Jun 17, 2026 |
| Laurie Anne Tucker | Director | 35,459 | Jun 17, 2026 |
| Sharen J. Turney | Director | 23,174 | Jun 17, 2026 |
| Roger H. Ballou | Director | 30,079 | Apr 27, 2026 |
Insider trades
Common stock transactions reported on Form 4, newest first
| Insider | Date | Transaction | Shares | Price | Value | Shares after |
|---|---|---|---|---|---|---|
| Dennis James McCarthy EVP, Chief Revenue Officer | Sep 14, 2026 | Buy | +15.89 | $108.14 | $1.72K | 29,546 |
| Praniti Lakhwara Director | Jul 28, 2026 | Sale | −2,802 | $106.12 | $297.35K | 4,458 |
| John C. Gerspach Director | Jul 15, 2026 | Award | +730 | – | – | 49,574 |
| John C. Gerspach Director | Jun 15, 2026 | Award | +1,638 | – | – | 48,844 |
| Praniti Lakhwara Director | Jun 15, 2026 | Award | +1,638 | – | – | 7,260 |
| Clair Joyce St Director | Jun 15, 2026 | Award | +1,638 | – | – | 11,307 |
| Timothy J. Theriault Director | Jun 15, 2026 | Award | +1,638 | – | – | 27,384 |
| Rajesh Natarajan Director | Jun 15, 2026 | Award | +1,638 | – | – | 21,442 |
| Sharen J. Turney Director | Jun 15, 2026 | Award | +1,638 | – | – | 23,174 |
| John J. Fawcett Director | Jun 15, 2026 | Award | +1,638 | – | – | 12,638 |
| Laurie Anne Tucker Director | Jun 15, 2026 | Award | +1,638 | – | – | 35,459 |
| Ralph J. Andretta President and CEO, Director | May 29, 2026 | Sale(10b5-1 plan) | −12,500 | $89.17 | $1.11M | 583,241 |
| Ralph J. Andretta President and CEO, Director | May 29, 2026 | Sale(10b5-1 plan) | −1,000 | $89.57 | $89.57K | 582,241 |
| Ralph J. Andretta President and CEO, Director | May 29, 2026 | Sale(10b5-1 plan) | −1,500 | $88.23 | $132.35K | 595,741 |
| John J. Fawcett Director | May 21, 2026 | Buy | +698 | $86.43 | $60.33K | 11,000 |
| Roger H. Ballou Director | Apr 24, 2026 | Sale | −9,687 | $90.32 | $874.93K | 30,079 |
| John C. Gerspach Director | Apr 15, 2026 | Award | +483 | – | – | 47,206 |
| Roger H. Ballou Director | Feb 19, 2026 | Gift | −1,351 | – | – | 39,766 |
| Allegra S. Driscoll EVP, Chief Technology Officer | Feb 18, 2026 | Tax withholding | −1,752 | $73.74 | $129.19K | 60,780 |
| Allegra S. Driscoll EVP, Chief Technology Officer | Feb 18, 2026 | Tax withholding | −2,564 | $73.74 | $189.07K | 59,968 |
| Tammy M. McConnaughey EVP, Operations & Credit Risk | Feb 18, 2026 | Tax withholding | −1,606 | $73.74 | $118.43K | 123,320 |
| Valerie E. Greer EVP, Chief Commercial Officer | Feb 18, 2026 | Tax withholding | −2,003 | $73.74 | $147.70K | 155,352 |
| Jonathan Bryan Campbell SVP, Chief Accounting Officer | Feb 18, 2026 | Tax withholding | −1,310 | $73.74 | $96.60K | 37,149 |
| Ralph J. Andretta President and CEO, Director | Feb 18, 2026 | Tax withholding | −5,326 | $73.74 | $392.74K | 597,241 |
| Perry S. Beberman EVP, Chief Financial Officer | Feb 18, 2026 | Tax withholding | −2,014 | $73.74 | $148.51K | 121,570 |
| Joseph L. Motes III EVP, CAO, Gen Counsel & Secy | Feb 18, 2026 | Tax withholding | −1,470 | $73.74 | $108.40K | 129,617 |
| Perry S. Beberman EVP, Chief Financial Officer | Feb 17, 2026 | Tax withholding | −22,516 | $73.05 | $1.64M | 142,061 |
| Jonathan Bryan Campbell SVP, Chief Accounting Officer | Feb 17, 2026 | Award | +1,728 | – | – | 38,877 |
| Allegra S. Driscoll EVP, Chief Technology Officer | Feb 17, 2026 | Award | +10,663 | – | – | 65,319 |
| Allegra S. Driscoll EVP, Chief Technology Officer | Feb 17, 2026 | Tax withholding | −2,787 | $73.05 | $203.59K | 62,532 |
| Allegra S. Driscoll EVP, Chief Technology Officer | Feb 17, 2026 | Award | +7,109 | – | – | 54,656 |
| Tammy M. McConnaughey EVP, Operations & Credit Risk | Feb 17, 2026 | Tax withholding | −17,861 | $73.05 | $1.30M | 124,926 |
| Tammy M. McConnaughey EVP, Operations & Credit Risk | Feb 17, 2026 | Award | +7,898 | – | – | 126,956 |
| Tammy M. McConnaughey EVP, Operations & Credit Risk | Feb 17, 2026 | Award | +11,847 | – | – | 138,803 |
| Tammy M. McConnaughey EVP, Operations & Credit Risk | Feb 17, 2026 | Award | +3,984 | – | – | 142,787 |
| Valerie E. Greer EVP, Chief Commercial Officer | Feb 17, 2026 | Award | +5,543 | – | – | 181,189 |
| Valerie E. Greer EVP, Chief Commercial Officer | Feb 17, 2026 | Tax withholding | −23,834 | $73.05 | $1.74M | 157,355 |
| Valerie E. Greer EVP, Chief Commercial Officer | Feb 17, 2026 | Award | +14,217 | – | – | 175,646 |
| Valerie E. Greer EVP, Chief Commercial Officer | Feb 17, 2026 | Award | +9,478 | – | – | 161,429 |
| Jonathan Bryan Campbell SVP, Chief Accounting Officer | Feb 17, 2026 | Tax withholding | −2,951 | $73.05 | $215.57K | 38,459 |
| Jonathan Bryan Campbell SVP, Chief Accounting Officer | Feb 17, 2026 | Award | +5,183 | – | – | 41,410 |
| Ralph J. Andretta President and CEO, Director | Feb 17, 2026 | Award | +19,123 | – | – | 659,425 |
| Ralph J. Andretta President and CEO, Director | Feb 17, 2026 | Award | +42,122 | – | – | 577,119 |
| Ralph J. Andretta President and CEO, Director | Feb 17, 2026 | Tax withholding | −56,858 | $73.05 | $4.15M | 602,567 |
| Ralph J. Andretta President and CEO, Director | Feb 17, 2026 | Award | +63,183 | – | – | 640,302 |
| Perry S. Beberman EVP, Chief Financial Officer | Feb 17, 2026 | Award | +15,796 | – | – | 161,048 |
| Perry S. Beberman EVP, Chief Financial Officer | Feb 17, 2026 | Award | +10,531 | – | – | 145,252 |
| Perry S. Beberman EVP, Chief Financial Officer | Feb 17, 2026 | Tax withholding | −43,007 | $73.05 | $3.14M | 123,584 |
| Perry S. Beberman EVP, Chief Financial Officer | Feb 17, 2026 | Award | +5,543 | – | – | 166,591 |
| Joseph L. Motes III EVP, CAO, Gen Counsel & Secy | Feb 17, 2026 | Award | +4,262 | – | – | 148,005 |
| Joseph L. Motes III EVP, CAO, Gen Counsel & Secy | Feb 17, 2026 | Tax withholding | −16,918 | $73.05 | $1.24M | 131,087 |
| Joseph L. Motes III EVP, CAO, Gen Counsel & Secy | Feb 17, 2026 | Award | +12,005 | – | – | 143,743 |
| Joseph L. Motes III EVP, CAO, Gen Counsel & Secy | Feb 17, 2026 | Award | +8,004 | – | – | 131,738 |
| John C. Gerspach Director | Jan 15, 2026 | Award | +499 | – | – | 46,723 |
| Joseph L. Motes III EVP, CAO, Gen Counsel & Secy | Dec 11, 2025 | Tax withholding | −346 | $73.62 | $25.47K | 123,734 |
| Ralph J. Andretta President and CEO, Director | Dec 11, 2025 | Tax withholding | −4,116 | $73.62 | $303.02K | 534,997 |
| Valerie E. Greer EVP, Chief Commercial Officer | Dec 11, 2025 | Tax withholding | −1,256 | $73.62 | $92.47K | 151,951 |
| John C. Gerspach Director | Oct 15, 2025 | Award | +670 | – | – | 46,224 |
| John J. Fawcett Director | Jul 30, 2025 | Buy | +927 | $61.79 | $57.28K | 10,202 |
| John J. Fawcett Director | Jul 30, 2025 | Buy | +100 | $61.80 | $6.18K | 10,302 |
Awards, option exercises, tax withholding and gifts are shown alongside open-market buys and sales. Each name links to the filing on SEC EDGAR.
Planned insider sales
Notices of proposed sale filed on Form 144 before shares are sold
| Seller | Filed | Shares | Market value | Planned sale | Acquired through |
|---|---|---|---|---|---|
| Praniti Lakhwara Director | Jul 28, 2026 | 2,802 | $297.35K | Jul 28, 2026 | Restricted Stock Vesting |
| Ralph J. Andretta Director, Officer | May 29, 2026 | 15,000 | $1.33M | May 29, 2026 | Restricted Stock Units |
| Roger H. Ballou Director | May 21, 2026 | 18,000 | $1.53M | May 21, 2026 | Restricted Stock Vesting |
| Roger H. Ballou Director | Apr 24, 2026 | 9,687 | $874.93K | Apr 24, 2026 | Restricted Stock Vesting |