Bread Financial Holdings BFH Insider Ownership

NYSE BFH

$105.74 -2.19 (-2.03%)

At close: Aug 28, 2026 · 4:00 PM EDT

Insider Holdings by Owner

6.40Mn Shares

Insider Ownership Statistics

as of 30 Sep, 2026

Insider Ownership

0.065%

■0% pp QoQ

Shares Held by Insiders

30.08K

filed for Sep 2026

■0.00% QoQ

Shares Outstanding

46.10Mn

46,100,000 shares

Direct Holdings

30.08K

Indirect: 0

Net Shares Traded (QoQ)

no net change in Sep 2026

Insiders Holding Shares

with Form 4 holdings on file

Shares Owned by Insiders

Shares held % of outstanding

Latest —

Average ownership —

Peak ownership —

Shares Purchased/Sold by Insiders

Bought Sold

Latest quarter —

Net over range —

Buying quarters —

Insider Ownership Summary

Quarter ending 30 Sep, 2026

Bread Financial Holdings's top three insider shareholders as of August 27, 2026 are Creek Asset Management Inc. Turtle (TenPercentOwner, 4.89Mn shares), Ralph J Andretta (President And Ceo, 597.24K shares), Valerie E Greer (Evp, Chief Commercial Officer, 155.35K shares).

A detailed ownership breakdown for Bread Financial Holdings is not available at this time.
Per Business Quant data, insider ownership at Bread Financial Holdings represents 129.55% of total outstanding shares, amounting to 597.24K shares out of 46.10Mn outstanding.
Their combined stake in BFH grew 11.63%, moving from 535.00K shares to 597.24K shares.
There were no significant purchases by Bread Financial Holdings's insiders in the last 90 days.
Bread Financial Holdings had no significant insider sales in the last 90 days.

Form 4 Holdings

Insiders Holding BFH

Insiders 20

Shares held 6.40Mn

Of outstanding 13.89%

#	Insider	Position	Direct	Indirect	Total	Share of Insiders	Last Filed
1	Creek Asset Management Inc. Turtle	TenPercentOwner	0	4,894,061	4,894,061	76.4%	29 Jan, 2024
2	Ralph J Andretta	President And Ceo	582,241	0	582,241	9.1%	01 Jun, 2026
3	Valerie E Greer	Evp, Chief Commercial Officer	155,352	0	155,352	2.4%	19 Feb, 2026
4	Perry S Beberman	Evp, Chief Financial Officer	142,061	0	142,061	2.2%	04 Mar, 2026
5	Joseph L Iii Motes	Evp, Cao, Gen Counsel Secy	129,617	0	129,617	2.0%	19 Feb, 2026
6	Tammy M Mcconnaughey	Evp, Operations Credit Risk	123,320	0	123,320	1.9%	19 Feb, 2026
7	Allegra S Driscoll	Evp, Chief Technology Officer	60,780	0	60,780	0.9%	04 Mar, 2026
8	John C Gerspach	Director	49,574	0	49,574	0.8%	17 Jul, 2026
9	Jonathan Bryan Campbell	Svp, Chief Accounting Officer	38,877	0	38,877	0.6%	20 Feb, 2026
10	Laura Santillan	Svp, Chief Acctg. Officer	38,249	0	38,249	0.6%	26 Oct, 2021
11	Laurie Anne Tucker	Director	35,459	0	35,459	0.6%	17 Jun, 2026
12	Roger H Ballou	Director	30,079	0	30,079	0.5%	27 Apr, 2026
13	Timothy J Theriault	Director	27,384	0	27,384	0.4%	17 Jun, 2026
14	Sharen J Turney	Director	23,174	0	23,174	0.4%	17 Jun, 2026
15	Rajesh Natarajan	Director	21,442	0	21,442	0.3%	17 Jun, 2026
16	John Jeffrey Chesnut	Svp And Treasurer	19,141	0	19,141	0.3%	26 Oct, 2021
17	John J. Fawcett	Director	12,638	0	12,638	0.2%	17 Jun, 2026
18	Clair Joyce St	Director	11,307	0	11,307	0.2%	17 Jun, 2026
19	Karin Kimbrough	Director	4,889	0	4,889	0.1%	19 Apr, 2023
20	Praniti Lakhwara	Director	4,458	0	4,458	0.1%	29 Jul, 2026

Each row is that insider’s most recently reported position, from Form 4 filings over the last 60 months — which is why this total does not tie to the quarterly series above, where a quarter counts only the insiders who filed in it. Shares held through a fund or institutional portfolio are counted on the institutional ownership page instead.

Form 4 Filings

5,051 Insider Transactions

Source SEC Form 4

Latest quarter Sep 2026

Date	Insider	Position	Transaction	Shares	Price	Value	Shares Held After	Ownership
28 Jul, 2026	Praniti Lakhwara	Director	Disposed S	2,802	$106.12	$297.35K	4,458	Direct
15 Jul, 2026	John C Gerspach	Director	Acquired A	730	—	—	49,574	Direct
15 Jun, 2026	Praniti Lakhwara	Director	Acquired A	1,638	—	—	7,260	Direct
15 Jun, 2026	Rajesh Natarajan	Director	Acquired A	1,638	—	—	21,442	Direct
15 Jun, 2026	Sharen J Turney	Director	Acquired A	1,638	—	—	23,174	Direct
15 Jun, 2026	Clair Joyce St	Director	Acquired A	1,638	—	—	11,307	Direct
15 Jun, 2026	John C Gerspach	Director	Acquired A	1,638	—	—	48,844	Direct
15 Jun, 2026	John J. Fawcett	Director	Acquired A	1,638	—	—	12,638	Direct
15 Jun, 2026	Laurie Anne Tucker	Director	Acquired A	1,638	—	—	35,459	Direct
15 Jun, 2026	Timothy J Theriault	Director	Acquired A	1,638	—	—	27,384	Direct
29 May, 2026	Ralph J Andretta	President And Ceo	Disposed S	1,500	$88.23	$132.35K	595,741	Direct
29 May, 2026	Ralph J Andretta	President And Ceo	Disposed S	12,500	$89.17	$1.11Mn	583,241	Direct
29 May, 2026	Ralph J Andretta	President And Ceo	Disposed S	1,000	$89.57	$89.57K	582,241	Direct
21 May, 2026	John J. Fawcett	Director	Acquired P	698	$86.43	$60.33K	11,000	Direct
24 Apr, 2026	Roger H Ballou	Director	Disposed S	9,687	$90.32	$874.93K	30,079	Direct
15 Apr, 2026	John C Gerspach	Director	Acquired A	483	—	—	47,206	Direct
17 Feb, 2026	Perry S Beberman	Evp, Chief Financial Officer	Disposed F	22,516	$73.05	$1.64Mn	142,061	Direct
17 Feb, 2026	Perry S Beberman	Evp, Chief Financial Officer	Disposed F	22,516	$73.05	$1.64Mn	142,061	Direct
17 Feb, 2026	Perry S Beberman	Evp, Chief Financial Officer	Disposed F	22,516	$73.05	$1.64Mn	142,061	Direct
17 Feb, 2026	Perry S Beberman	Evp, Chief Financial Officer	Disposed F	22,516	$73.05	$1.64Mn	142,061	Direct

Showing 1 to 20 of 5,051 transactions