Bread Financial Holdings, Inc. (BFH) · Insider trading
What Bread Financial Holdings's directors, officers and largest holders bought and sold themselves, from the Form 4 each of them files with the SEC within two business days of a trade. Open-market purchases and sales first: those are the trades somebody chose to make at the market price.
Bought, 12 months
$62,046
2 insiders, 2 trades
Sold, 12 months
$2.51M
3 insiders, 53% under a plan
Net, 12 months
−$2.45M
bought less sold
Latest filing
2026-09-16
filings read to 2026-10-19
Who traded, two years
| Insider | Bought | Sold | Trades | Last trade | Holds after |
|---|---|---|---|---|---|
| Andretta Ralph JDirector, President and CEO | – | $1.34M | 3 | 2026-05-29 | 595,741 |
| Ballou Roger HDirector | – | $874,930 | 1 | 2026-04-24 | 30,079 |
| Lakhwara PranitiDirector | – | $297,348 | 1 | 2026-07-28 | 4,458 |
| Fawcett John J.Director | $174,807 | – | 4 | 2026-05-21 | 11,000 |
| McCarthy Dennis JamesEVP, Chief Revenue Officer | $1,718 | – | 1 | 2026-09-14 | 29,546 |
Open-market purchases and sales
Newest first. “Plan” marks a trade made under a 10b5-1 plan set up in advance.
| Date | Insider | Trade | Shares | Price | Value | Holds after | Filing |
|---|---|---|---|---|---|---|---|
| 2026-09-14 | McCarthy Dennis JamesEVP, Chief Revenue Officer | Buy | 16 | 108.14 | $1,718 | 29,546 | Form 4 |
| 2026-07-28 | Lakhwara PranitiDirector | Sale | 2,802 | 106.12 | $297,348 | 4,458 | Form 4 |
| 2026-05-29 | Andretta Ralph JDirector, President and CEO | Saleplan | 1,500 | 88.23 | $132,345 | 595,741 | Form 4 |
| 2026-05-29 | Andretta Ralph JDirector, President and CEO | Saleplan | 12,500 | 89.17 | $1.11M | 583,241 | Form 4 |
| 2026-05-29 | Andretta Ralph JDirector, President and CEO | Saleplan | 1,000 | 89.57 | $89,570 | 582,241 | Form 4 |
| 2026-05-21 | Fawcett John J.Director | Buy | 698 | 86.43 | $60,328 | 11,000 | Form 4 |
| 2026-04-24 | Ballou Roger HDirector | Sale | 9,687 | 90.32 | $874,930 | 30,079 | Form 4 |
| 2025-07-30 | Fawcett John J.Director | Buy | 927 | 61.79 | $57,279 | 10,202 | Form 4 |
| 2025-07-30 | Fawcett John J.Director | Buy | 100 | 61.80 | $6,180 | 10,302 | Form 4 |
| 2024-10-28 | Fawcett John J.Director | Buy | 1,000 | 51.02 | $51,020 | 6,473 | Form 4 |
Grants, exercises and other transactions
Pay, tax and paperwork rather than a choice to trade at the market price. Two years.
60 × grant or award25 × shares withheld for tax1 × gift
Show them
| Date | Insider | What | Shares | Price | Holds after | Filing |
|---|---|---|---|---|---|---|
| 2026-07-15 | Gerspach John CDirector | Grant or award A | +730 | – | 49,574 | Form 4 |
| 2026-06-15 | Theriault Timothy JDirector | Grant or award A | +1,638 | – | 27,384 | Form 4 |
| 2026-06-15 | Gerspach John CDirector | Grant or award A | +1,638 | – | 48,844 | Form 4 |
| 2026-06-15 | Turney Sharen JDirector | Grant or award A | +1,638 | – | 23,174 | Form 4 |
| 2026-06-15 | Tucker Laurie AnneDirector | Grant or award A | +1,638 | – | 35,459 | Form 4 |
| 2026-06-15 | St Clair JoyceDirector | Grant or award A | +1,638 | – | 11,307 | Form 4 |
| 2026-06-15 | Fawcett John J.Director | Grant or award A | +1,638 | – | 12,638 | Form 4 |
| 2026-06-15 | Natarajan RajeshDirector | Grant or award A | +1,638 | – | 21,442 | Form 4 |
| 2026-06-15 | Lakhwara PranitiDirector | Grant or award A | +1,638 | – | 7,260 | Form 4 |
| 2026-04-15 | Gerspach John CDirector | Grant or award A | +483 | – | 47,206 | Form 4 |
| 2026-02-19 | Ballou Roger HDirector | Gift G | −1,351 | – | 39,766 | Form 4 |
| 2026-02-18 | Driscoll Allegra SEVP, Chief Technology Officer | Shares withheld for tax F | −1,752 | 73.74 | 60,780 | Form 4/A |
| 2026-02-18 | Campbell Jonathan BryanSVP, Chief Accounting Officer | Shares withheld for tax F | −1,310 | 73.74 | 37,149 | Form 4 |
| 2026-02-18 | Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | Shares withheld for tax F | −1,470 | 73.74 | 129,617 | Form 4 |
| 2026-02-18 | McConnaughey Tammy MEVP, Operations & Credit Risk | Shares withheld for tax F | −1,606 | 73.74 | 123,320 | Form 4 |
| 2026-02-18 | Andretta Ralph JDirector, President and CEO | Shares withheld for tax F | −5,326 | 73.74 | 597,241 | Form 4 |
| 2026-02-18 | Greer Valerie EEVP, Chief Commercial Officer | Shares withheld for tax F | −2,003 | 73.74 | 155,352 | Form 4 |
| 2026-02-18 | Beberman Perry SEVP, Chief Financial Officer | Shares withheld for tax F | −2,014 | 73.74 | 121,570 | Form 4 |
| 2026-02-17 | Beberman Perry SEVP, Chief Financial Officer | Shares withheld for tax F | −22,516 | 73.05 | 142,061 | Form 4/A |
| 2026-02-17 | Campbell Jonathan BryanSVP, Chief Accounting Officer | Grant or award A | +1,728 | – | 38,877 | Form 4/A |
| 2026-02-17 | Driscoll Allegra SEVP, Chief Technology Officer | Grant or award A | +7,109 | – | 54,656 | Form 4 |
| 2026-02-17 | Driscoll Allegra SEVP, Chief Technology Officer | Grant or award A | +10,663 | – | 65,319 | Form 4 |
| 2026-02-17 | Driscoll Allegra SEVP, Chief Technology Officer | Shares withheld for tax F | −2,787 | 73.05 | 62,532 | Form 4 |
| 2026-02-17 | Campbell Jonathan BryanSVP, Chief Accounting Officer | Shares withheld for tax F | −2,951 | 73.05 | 38,459 | Form 4 |
| 2026-02-17 | Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | Grant or award A | +8,004 | – | 131,738 | Form 4 |
| 2026-02-17 | Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | Grant or award A | +12,005 | – | 143,743 | Form 4 |
| 2026-02-17 | Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | Grant or award A | +4,262 | – | 148,005 | Form 4 |
| 2026-02-17 | Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | Shares withheld for tax F | −16,918 | 73.05 | 131,087 | Form 4 |
| 2026-02-17 | McConnaughey Tammy MEVP, Operations & Credit Risk | Grant or award A | +7,898 | – | 126,956 | Form 4 |
| 2026-02-17 | McConnaughey Tammy MEVP, Operations & Credit Risk | Grant or award A | +11,847 | – | 138,803 | Form 4 |
| 2026-02-17 | McConnaughey Tammy MEVP, Operations & Credit Risk | Grant or award A | +3,984 | – | 142,787 | Form 4 |
| 2026-02-17 | McConnaughey Tammy MEVP, Operations & Credit Risk | Shares withheld for tax F | −17,861 | 73.05 | 124,926 | Form 4 |
| 2026-02-17 | Andretta Ralph JDirector, President and CEO | Grant or award A | +42,122 | – | 577,119 | Form 4 |
| 2026-02-17 | Andretta Ralph JDirector, President and CEO | Grant or award A | +63,183 | – | 640,302 | Form 4 |
| 2026-02-17 | Andretta Ralph JDirector, President and CEO | Grant or award A | +19,123 | – | 659,425 | Form 4 |
| 2026-02-17 | Andretta Ralph JDirector, President and CEO | Shares withheld for tax F | −56,858 | 73.05 | 602,567 | Form 4 |
| 2026-02-17 | Greer Valerie EEVP, Chief Commercial Officer | Grant or award A | +9,478 | – | 161,429 | Form 4 |
| 2026-02-17 | Greer Valerie EEVP, Chief Commercial Officer | Grant or award A | +14,217 | – | 175,646 | Form 4 |
| 2026-02-17 | Greer Valerie EEVP, Chief Commercial Officer | Grant or award A | +5,543 | – | 181,189 | Form 4 |
| 2026-02-17 | Greer Valerie EEVP, Chief Commercial Officer | Shares withheld for tax F | −23,834 | 73.05 | 157,355 | Form 4 |
| 2026-02-17 | Beberman Perry SEVP, Chief Financial Officer | Grant or award A | +10,531 | – | 145,252 | Form 4 |
| 2026-02-17 | Beberman Perry SEVP, Chief Financial Officer | Grant or award A | +15,796 | – | 161,048 | Form 4 |
| 2026-02-17 | Beberman Perry SEVP, Chief Financial Officer | Grant or award A | +5,543 | – | 166,591 | Form 4 |
| 2026-01-15 | Gerspach John CDirector | Grant or award A | +499 | – | 46,723 | Form 4 |
| 2025-12-11 | Andretta Ralph JDirector, President and CEO | Shares withheld for tax F | −4,116 | 73.62 | 534,997 | Form 4 |
| 2025-12-11 | Greer Valerie EEVP, Chief Commercial Officer | Shares withheld for tax F | −1,256 | 73.62 | 151,951 | Form 4 |
| 2025-12-11 | Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | Shares withheld for tax F | −346 | 73.62 | 123,734 | Form 4 |
| 2025-10-15 | Gerspach John CDirector | Grant or award A | +670 | – | 46,224 | Form 4 |
| 2025-07-15 | Gerspach John CDirector | Grant or award A | +671 | – | 45,554 | Form 4 |
| 2025-06-16 | Turney Sharen JDirector | Grant or award A | +2,802 | – | 21,536 | Form 4 |
| 2025-06-16 | Tucker Laurie AnneDirector | Grant or award A | +2,802 | – | 33,821 | Form 4 |
| 2025-06-16 | Theriault Timothy JDirector | Grant or award A | +2,802 | – | 25,746 | Form 4 |
| 2025-06-16 | St Clair JoyceDirector | Grant or award A | +2,802 | – | 9,669 | Form 4 |
| 2025-06-16 | Natarajan RajeshDirector | Grant or award A | +2,802 | – | 19,804 | Form 4 |
| 2025-06-16 | Lakhwara PranitiDirector | Grant or award A | +2,802 | – | 5,622 | Form 4 |
| 2025-06-16 | Gerspach John CDirector | Grant or award A | +2,802 | – | 44,883 | Form 4 |
| 2025-06-16 | Fawcett John J.Director | Grant or award A | +2,802 | – | 9,275 | Form 4 |
| 2025-06-16 | Ballou Roger HDirector | Grant or award A | +2,802 | – | 41,117 | Form 4 |
| 2025-04-15 | Gerspach John CDirector | Grant or award A | +842 | – | 42,081 | Form 4 |
| 2025-02-18 | Andretta Ralph JDirector, President and CEO | Grant or award A | +45,323 | – | 507,816 | Form 4 |
| 2025-02-18 | Andretta Ralph JDirector, President and CEO | Grant or award A | +67,984 | – | 575,800 | Form 4 |
| 2025-02-18 | Andretta Ralph JDirector, President and CEO | Grant or award A | +8,102 | – | 583,902 | Form 4 |
| 2025-02-18 | Andretta Ralph JDirector, President and CEO | Shares withheld for tax F | −44,789 | 62.10 | 539,113 | Form 4 |
| 2025-02-18 | Beberman Perry SEVP, Chief Financial Officer | Grant or award A | +11,655 | – | 131,809 | Form 4 |
| 2025-02-18 | Beberman Perry SEVP, Chief Financial Officer | Grant or award A | +17,482 | – | 149,291 | Form 4 |
| 2025-02-18 | Beberman Perry SEVP, Chief Financial Officer | Grant or award A | +2,675 | – | 151,966 | Form 4 |
| 2025-02-18 | Beberman Perry SEVP, Chief Financial Officer | Shares withheld for tax F | −17,245 | 62.10 | 134,721 | Form 4 |
| 2025-02-18 | Campbell Jonathan BryanSVP, Chief Accounting Officer | Grant or award A | +8,498 | – | 40,159 | Form 4 |
| 2025-02-18 | Campbell Jonathan BryanSVP, Chief Accounting Officer | Shares withheld for tax F | −3,932 | 62.10 | 36,227 | Form 4 |
| 2025-02-18 | Driscoll Allegra SEVP, Chief Technology Officer | Grant or award A | +7,770 | – | 38,679 | Form 4 |
| 2025-02-18 | Driscoll Allegra SEVP, Chief Technology Officer | Grant or award A | +11,655 | – | 50,334 | Form 4 |
| 2025-02-18 | Driscoll Allegra SEVP, Chief Technology Officer | Shares withheld for tax F | −2,787 | 62.10 | 47,547 | Form 4 |
| 2025-02-18 | Greer Valerie EEVP, Chief Commercial Officer | Grant or award A | +11,655 | – | 148,629 | Form 4 |
| 2025-02-18 | Greer Valerie EEVP, Chief Commercial Officer | Grant or award A | +17,482 | – | 166,111 | Form 4 |
| 2025-02-18 | Greer Valerie EEVP, Chief Commercial Officer | Grant or award A | +2,026 | – | 168,137 | Form 4 |
| 2025-02-18 | Greer Valerie EEVP, Chief Commercial Officer | Shares withheld for tax F | −14,930 | 62.10 | 153,207 | Form 4 |
| 2025-02-18 | McConnaughey Tammy MEVP, Operations & Credit Risk | Grant or award A | +8,417 | – | 117,092 | Form 4 |
| 2025-02-18 | McConnaughey Tammy MEVP, Operations & Credit Risk | Grant or award A | +12,626 | – | 129,718 | Form 4 |
| 2025-02-18 | McConnaughey Tammy MEVP, Operations & Credit Risk | Grant or award A | +1,842 | – | 131,560 | Form 4 |
| 2025-02-18 | McConnaughey Tammy MEVP, Operations & Credit Risk | Shares withheld for tax F | −12,502 | 62.10 | 119,058 | Form 4 |
| 2025-02-18 | Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | Grant or award A | +9,259 | – | 120,102 | Form 4 |
| 2025-02-18 | Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | Grant or award A | +13,888 | – | 133,990 | Form 4 |
| 2025-02-18 | Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | Grant or award A | +2,026 | – | 136,016 | Form 4 |
| 2025-02-18 | Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | Shares withheld for tax F | −11,936 | 62.10 | 124,080 | Form 4 |
| 2025-01-15 | Gerspach John CDirector | Grant or award A | +604 | – | 41,239 | Form 4 |
| 2025-01-08 | Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | Shares withheld for tax F | −557 | 62.87 | 110,843 | Form 4 |
How to read it
- Buy, sale
- Code P and S on the form: shares bought or sold in the market, at the market price. The other codes are mostly pay (a grant, an option exercised) or tax (shares the company withheld), and say little about what the insider thinks of the price.
- Plan
- A sale or purchase under a Rule 10b5-1 plan, set up in advance and running on its own schedule. Since April 2023 the form has a box for it. Much executive selling is planned and says more about diversifying than about the company.
- Holds after
- The shares the insider still held after the trade, in the form the trade was in (directly, or indirectly through a trust or a fund).
- Value
- Shares times the price the form reports, which is often an average over several fills on the day.
Read from the SEC's own quarterly data sets of Forms 3, 4 and 5, and from each day's filings since the last one. A correcting amendment replaces the lines it restates. Every row links to its filing. None of this is advice: insiders sell for many reasons, and buy for fewer.