BFHNYSEPersonal Credit InstitutionsFiscal year ends December 31Also trades as BFH.PA, BFH.PB
BREAD FINANCIAL HOLDINGS, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 28, 2026
$102.45−0.11 (-0.11%)
Close on Oct 19, 2026
- Market cap
- $4.17B
- P/E (TTM)
- 8.0
- Dividend yield
- 0.84%
Ownership
Institutional holdings as of Jun 30, 2026, from 13F filings
Held by institutions
39M
Shares held, 13F filers
Institutional holders
420
79 new, 41 sold out
Net institutional buying
-4M
In Q2 2026
Insider trades, 12 months
2 buys · 5 sales
Net sold $2.45M
Shares held by institutions
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 |
Top institutional holders
13F holdings as of Jun 30, 2026
| Holder | Shares | % of BFH | Value | Change | % of portfolio |
|---|---|---|---|---|---|
| BlackRock, Inc. | 3,888,457 | – | $421.31M | −336,243 | 0.01% |
| Dimensional Fund Advisors LP | 3,092,208 | – | $335.04M | +6,148 | 0.06% |
| Vanguard Portfolio Management LLC | 2,621,816 | – | $284.07M | −134,520 | 0.01% |
| American Century Companies Inc | 1,791,190 | – | $194.08M | +159,569 | 0.09% |
| Vanguard Capital Management LLC | 1,757,637 | – | $190.44M | −111,748 | 0.00% |
| State Street Corp | 1,681,704 | – | $182.21M | −83,079 | 0.01% |
| Allianz Asset Management GmbH | 1,391,954 | – | $144.96M | +45,352 | 0.13% |
| Turtle Creek Asset Management Inc. | 1,310,339 | – | $141.98M | −1,120,763 | 5.55% |
| Geode Capital Management, LLC | 1,132,140 | – | $122.69M | −53,070 | 0.01% |
| Arrowstreet Capital, Limited Partnership | 1,045,197 | – | $113.25M | −58,387 | 0.05% |
| Hsbc Holdings PLC | 907,458 | – | $98.76M | −102,432 | 0.04% |
| Franklin Resources Inc | 823,185 | – | $89.19M | −326,271 | 0.02% |
| Jacobs Levy Equity Management, Inc | 769,826 | – | $83.41M | −176,441 | 0.30% |
| Goldman Sachs Group Inc | 762,074 | – | $82.57M | +9,060 | 0.01% |
| Charles Schwab Investment Management Inc | 612,515 | – | $66.37M | −41,634 | 0.01% |
| Bank Of America Corp /De/ | 607,351 | – | $65.81M | −22,874 | 0.00% |
| Nomura Asset Management International Inc. | 583,288 | – | $63.20M | −125,178 | 0.09% |
| Morgan Stanley | 564,739 | – | $61.19M | −50,889 | 0.00% |
| Lsv Asset Management | 527,254 | – | $57.13K | +101,643 | 0.10% |
| Northern Trust Corp | 521,167 | – | $56.47M | −14,935 | 0.01% |
Institutional buying and selling by quarter
Positions opened, added to, reduced and closed by 13F filers
| Quarter | Holders | Shares held | New / added | Reduced / closed | Shares bought | Shares sold |
|---|---|---|---|---|---|---|
| Q2 2026 | 420 | 39M | 79 / 123 | 158 / 41 | 2M | 6M |
| Q1 2026 | 389 | 43M | 63 / 124 | 136 / 41 | 8M | 7M |
| Q4 2025 | 375 | 48M | 72 / 111 | 133 / 37 | 5M | 6M |
| Q3 2025 | 345 | 49M | 54 / 116 | 115 / 45 | 4M | 4M |
| Q2 2025 | 339 | 49M | 57 / 108 | 126 / 40 | 5M | 5M |
| Q1 2025 | 324 | 49M | 45 / 114 | 112 / 47 | 4M | 4M |
| Q4 2024 | 329 | 49M | 51 / 105 | 127 / 47 | 4M | 6M |
| Q3 2024 | 328 | 51M | 71 / 112 | 98 / 29 | 11M | 8M |
| Q2 2024 | 289 | 53M | 49 / 94 | 95 / 34 | 5M | 5M |
| Q1 2024 | 278 | 54M | 46 / 83 | 108 / 37 | 8M | 6M |
| Q4 2023 | 271 | 52M | 48 / 86 | 99 / 35 | 5M | 5M |
| Q3 2023 | 262 | 52M | 33 / 95 | 87 / 25 | 7M | 5M |
Top mutual fund and ETF holders
Latest monthly portfolio reports (Form N-PORT)
| Fund | Shares | % of BFH | Value | % of fund | As of |
|---|---|---|---|---|---|
| iShares Core S&P Small-Cap ETF | 1,573,878 | – | $170.53M | 0.15% | Jun 30, 2026 |
| Avantis U.S. Small Cap Value ETF | 1,450,342 | – | $129.18M | 0.48% | May 31, 2026 |
| Vanguard Total Stock Market Index Fund | 1,219,025 | – | $132.08M | 0.01% | Jun 30, 2026 |
| Vanguard Small-Cap Index Fund | 880,268 | – | $95.38M | 0.05% | Jun 30, 2026 |
| PIMCO RAE US Small Fund | 786,082 | – | $85.17M | 2.25% | Jun 30, 2026 |
| U.S. Small Cap Value Portfolio | 724,774 | – | $78.33M | 0.40% | Jul 31, 2026 |
| Vanguard Small-Cap Value Index Fund | 557,673 | – | $60.42M | 0.09% | Jun 30, 2026 |
| iShares Russell 2000 ETF | 536,041 | – | $58.08M | 0.07% | Jun 30, 2026 |
| Vanguard Extended Market Index Fund | 463,128 | – | $50.18M | 0.05% | Jun 30, 2026 |
| Fidelity Small Cap Index Fund | 447,215 | – | $48.33M | 0.14% | Jul 31, 2026 |
| Nomura Small Cap Value Fund | 445,558 | – | $39.69M | 1.14% | May 29, 2026 |
| U.S. Targeted Value Portfolio | 378,727 | – | $40.93M | 0.24% | Jul 31, 2026 |
| State Street(R) SPDR(R) Portfolio S&P 600(TM) Small Cap ETF | 369,711 | – | $40.06M | 0.24% | Jun 30, 2026 |
| iShares S&P Small-Cap 600 Value ETF | 347,531 | – | $37.65M | 0.47% | Jun 30, 2026 |
| Dimensional U.S. Targeted Value ETF | 337,927 | – | $36.52M | 0.25% | Jul 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 |
| Andretta Ralph 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 |