Bread Financial Holdings BFH Insider Ownership

NYSE BFH

$96.78 -1.83 (-1.86%)

As of: Nov 10, 2026 · 1:32 PM EST

Insider Holdings by Owner

6.38Mn Shares

Creek Asset Management Inc. Turtle4.89Mn76.7%

Ralph J Andretta582.24K9.1%

Valerie E Greer155.35K2.4%

Perry S Beberman142.06K2.2%

Joseph L Iii Motes129.62K2.0%

Other insiders (14)478.63K7.5%

Insider Ownership Statistics

as of 30 Sep, 2026

Insider Ownership

3.87%

▲+0.224% pp QoQ

Shares Held by Insiders

1.48Mn

filed for Sep 2026

▲+1.89% QoQ

Shares Outstanding

38.30Mn

38,300,000 shares

Direct Holdings

1.48Mn

Indirect: 6.00K

Net Open-Market Trades

-2.79K

net sold · -$295.63K 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 —

Open-Market Insider Trades

Bought Sold

Latest quarter —

Net over range —

Net-buying quarters —

Insider Ownership Summary

Updated Nov 4, 2026

Across the past 12 months, open-market trades by Bread Financial Holdings insiders totaled $62,046 in purchases (714 shares) and $2.51 million in sales (27.49K shares).

A count shows 2 insiders buying BFH stock on the open market over the past 12 months and 3 insiders selling.
Among Bread Financial Holdings' insiders, the largest open-market purchases in the past 12 months were by John J. Fawcett (Director), totaling $60,328 (698 shares), most recently on May 21, 2026.
On the selling side, Ralph J. Andretta (President and CEO) was the top open-market seller of Bread Financial Holdings over the past 12 months, with $1.34 million sold (15K shares) and the latest sale on May 29, 2026.
The latest open-market trade on record is a purchase of 16 shares for $1,718 by Dennis James McCarthy (EVP, Chief Revenue Officer) on September 14, 2026.
Away from the open market, BFH insiders received 256.73K shares in stock awards, gave up 210.5K shares to cover taxes or exercise prices and gave away 1.35K shares as gifts over the last 12 months.
According to Business Quant data, insiders at Bread Financial Holdings reported 1.48Mn shares in total in their latest Form 4 filings, or 3.87% of the 38.3Mn shares outstanding; that total is up 1.94% from 1.46Mn shares at the end of Q2 2026.
Of the 1.48Mn shares held by Bread Financial Holdings insiders, 1.48Mn shares (99.60%) are held directly and 6K shares (0.40%) indirectly, through trusts, partnerships, family members and other entities.
The insider holdings in Bread Financial Holdings belong to 17 insiders who have reported on Form 4 within the past two years.
Bread Financial Holdings' top three insider holders by shares held are Ralph J. Andretta (President and CEO, 582.24K shares), Valerie E. Greer (EVP, Chief Commercial Officer, 155.35K shares) and Perry S. Beberman (EVP, Chief Financial Officer, 142.06K shares).
Of the shares held by BFH insiders, 39.23% belong to Ralph J. Andretta.
Over the past 12 months, 17 insiders reported transactions in Bread Financial Holdings stock in 32 Form 4 filings.
The insider holdings and trades above for Bread Financial Holdings reflect Form 4 filings through October 30, 2026.

Form 4 Holdings

Insiders Holding BFH

Insiders 19

Shares held 6.38Mn

Of outstanding 16.66%

#	Insider	Position	Direct	Indirect	Total	Share of Insiders	Last Filed
1	Creek Asset Management Inc. Turtle	TenPercentOwner	0	4,894,061	4,894,061	76.7%	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	1.0%	04 Mar, 2026
8	John C Gerspach	Director	50,278	0	50,278	0.8%	19 Oct, 2026
9	Jonathan Bryan Campbell	Svp, Chief Accounting Officer	38,877	0	38,877	0.6%	20 Feb, 2026
10	Laurie Anne Tucker	Director	35,459	0	35,459	0.6%	17 Jun, 2026
11	Roger H Ballou	Director	30,079	0	30,079	0.5%	27 Apr, 2026
12	Dennis James Mccarthy	Evp, Chief Revenue Officer	29,546	0	29,546	0.5%	16 Sep, 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 J. Fawcett	Director	17,638	0	17,638	0.3%	30 Oct, 2026
17	Clair Joyce St	Director	11,307	0	11,307	0.2%	17 Jun, 2026
18	Karin Kimbrough	Director	4,889	0	4,889	0.1%	19 Apr, 2023
19	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

1,573 Insider Transactions

Source SEC Form 4

Latest quarter Sep 2026

Date	Insider	Position	Transaction	Shares	Price	Value	Shares Held After	Ownership
28 Oct, 2026	John J. Fawcett	Director	Acquired P	3,000	$24.69	$74.07K	3,000	Direct
28 Oct, 2026	John J. Fawcett	Director	Acquired P	2,000	$24.71	$49.42K	5,000	Direct
15 Oct, 2026	John C Gerspach	Director	Acquired A	704	—	—	50,278	Direct
14 Sep, 2026	Dennis James Mccarthy	Evp, Chief Revenue Officer	Acquired P	16	$108.14	$1.72K	29,546	Direct
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	Sharen J Turney	Director	Acquired A	1,638	—	—	23,174	Direct
15 Jun, 2026	Praniti Lakhwara	Director	Acquired A	1,638	—	—	7,260	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	Clair Joyce St	Director	Acquired A	1,638	—	—	11,307	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
15 Jun, 2026	Rajesh Natarajan	Director	Acquired A	1,638	—	—	21,442	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

Showing 1 to 20 of 1,573 transactions