BREAD FINANCIAL HOLDINGS, INC.
BFH, BFH-PA, BFH-PB · Personal Credit Institutions · 40.4M shares · -0%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: -$9M (gross $35M, SBC $44M)
Reference price $88.23 · est. market cap ~$3.6B — last insider sale, 2026-05-29 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B70Bread Financial — private-label/co-brand card lender with solid returns.
Strengths
- ROE 15.6% (58th pct); strong liquidity (90th)
Risks
- Subprime-leaning consumer-credit exposure
- Partner-concentration and funding sensitivity
Notable findings
- Insider sellingInsider selling — 4 open-market sale(s) by 2 insider(s) (cluster of 2 insiders, ~$2M, last 6mo) Form 4 ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
13.5%
Return on equity
15.6%
Return on assets
2.3%
Revenue growth (QoQ)
4.4%
Net-income growth
87.0%
Debt / equity
1.3×
Tangible book value
$2.6B
Cash & investments
$3.6B
Stock comp / revenue
1.5%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-15 | Gerspach John C | Grant | 1.6K | — |
| 2026-06-15 | THERIAULT TIMOTHY J | Grant | 1.6K | — |
| 2026-06-15 | Natarajan Rajesh | Grant | 1.6K | — |
| 2026-06-15 | Fawcett John J. | Grant | 1.6K | — |
| 2026-06-15 | Lakhwara Praniti | Grant | 1.6K | — |
| 2026-06-15 | St Clair Joyce | Grant | 1.6K | — |
| 2026-06-15 | Tucker Laurie Anne | Grant | 1.6K | — |
| 2026-06-15 | TURNEY SHAREN J | Grant | 1.6K | — |
| 2026-05-29 | Andretta Ralph J | Sell | 1.5K | $88.23 |
| 2026-05-29 | Andretta Ralph J | Sell | 12K | $89.17 |
| 2026-05-29 | Andretta Ralph J | Sell | 1.0K | $89.57 |
| 2026-05-21 | Fawcett John J. | Buy | 698 | $86.43 |
| 2026-04-24 | BALLOU ROGER H | Sell | 9.7K | $90.32 |
| 2026-04-15 | Gerspach John C | Grant | 483 | — |
| 2026-02-19 | BALLOU ROGER H | Gift | 1.4K | — |
| 2026-02-18 | Driscoll Allegra S | Tax withheld | 2.6K | $73.74 |
| 2026-02-18 | Driscoll Allegra S | Tax withheld | 1.8K | $73.74 |
| 2026-02-18 | Andretta Ralph J | Tax withheld | 5.3K | $73.74 |
| 2026-02-18 | McConnaughey Tammy M | Tax withheld | 1.6K | $73.74 |
| 2026-02-18 | Motes Joseph L III | Tax withheld | 1.5K | $73.74 |
| 2026-02-18 | Beberman Perry S | Tax withheld | 2.0K | $73.74 |
| 2026-02-18 | Campbell Jonathan Bryan | Tax withheld | 1.3K | $73.74 |
| 2026-02-18 | Greer Valerie E | Tax withheld | 2.0K | $73.74 |
| 2026-02-17 | Campbell Jonathan Bryan | Tax withheld | 3.0K | $73.05 |
| 2026-02-17 | Driscoll Allegra S | Grant | 7.1K | — |
| 2026-02-17 | Driscoll Allegra S | Grant | 11K | — |
| 2026-02-17 | Driscoll Allegra S | Tax withheld | 2.8K | $73.05 |
| 2026-02-17 | McConnaughey Tammy M | Tax withheld | 18K | $73.05 |
| 2026-02-17 | Beberman Perry S | Tax withheld | 23K | $73.05 |
| 2026-02-17 | Campbell Jonathan Bryan | Grant | 1.7K | — |
| 2026-02-17 | Beberman Perry S | Grant | 11K | — |
| 2026-02-17 | Beberman Perry S | Grant | 16K | — |
| 2026-02-17 | Beberman Perry S | Grant | 5.5K | — |
| 2026-02-17 | Beberman Perry S | Tax withheld | 43K | $73.05 |
| 2026-02-17 | Greer Valerie E | Grant | 9.5K | — |
| 2026-02-17 | Greer Valerie E | Grant | 14K | — |
| 2026-02-17 | Greer Valerie E | Grant | 5.5K | — |
| 2026-02-17 | Greer Valerie E | Tax withheld | 24K | $73.05 |
| 2026-02-17 | Andretta Ralph J | Grant | 42K | — |
| 2026-02-17 | Andretta Ralph J | Grant | 63K | — |
| 2026-02-17 | Andretta Ralph J | Grant | 19K | — |
| 2026-02-17 | Andretta Ralph J | Tax withheld | 57K | $73.05 |
| 2026-02-17 | McConnaughey Tammy M | Grant | 7.9K | — |
| 2026-02-17 | McConnaughey Tammy M | Grant | 12K | — |
| 2026-02-17 | McConnaughey Tammy M | Grant | 4.0K | — |
| 2026-02-17 | Motes Joseph L III | Grant | 8.0K | — |
| 2026-02-17 | Motes Joseph L III | Grant | 12K | — |
| 2026-02-17 | Motes Joseph L III | Grant | 4.3K | — |
| 2026-02-17 | Motes Joseph L III | Tax withheld | 17K | $73.05 |
| 2026-02-17 | Campbell Jonathan Bryan | Grant | 5.2K | — |
| 2026-01-15 | Gerspach John C | Grant | 499 | — |
| 2025-12-11 | Motes Joseph L III | Tax withheld | 346 | $73.62 |
| 2025-12-11 | Greer Valerie E | Tax withheld | 1.3K | $73.62 |
| 2025-12-11 | Andretta Ralph J | Tax withheld | 4.1K | $73.62 |
| 2025-10-15 | Gerspach John C | Grant | 670 | — |
| 2025-07-30 | Fawcett John J. | Buy | 927 | $61.79 |
| 2025-07-30 | Fawcett John J. | Buy | 100 | $61.80 |
| 2025-07-15 | Gerspach John C | Grant | 671 | — |
| 2025-06-16 | BALLOU ROGER H | Grant | 2.8K | — |
| 2025-06-16 | Fawcett John J. | Grant | 2.8K | — |
| 2025-06-16 | Gerspach John C | Grant | 2.8K | — |
| 2025-06-16 | Lakhwara Praniti | Grant | 2.8K | — |
| 2025-06-16 | Natarajan Rajesh | Grant | 2.8K | — |
| 2025-06-16 | St Clair Joyce | Grant | 2.8K | — |
| 2025-06-16 | THERIAULT TIMOTHY J | Grant | 2.8K | — |
| 2025-06-16 | Tucker Laurie Anne | Grant | 2.8K | — |
| 2025-06-16 | TURNEY SHAREN J | Grant | 2.8K | — |
| 2025-04-15 | Gerspach John C | Grant | 842 | — |
| 2025-02-18 | Motes Joseph L III | Grant | 9.3K | — |
| 2025-02-18 | Motes Joseph L III | Grant | 14K | — |
| 2025-02-18 | Motes Joseph L III | Grant | 2.0K | — |
| 2025-02-18 | Motes Joseph L III | Tax withheld | 12K | $62.10 |
| 2025-02-18 | McConnaughey Tammy M | Grant | 8.4K | — |
| 2025-02-18 | McConnaughey Tammy M | Grant | 13K | — |
| 2025-02-18 | McConnaughey Tammy M | Grant | 1.8K | — |
| 2025-02-18 | McConnaughey Tammy M | Tax withheld | 13K | $62.10 |
| 2025-02-18 | Greer Valerie E | Grant | 12K | — |
| 2025-02-18 | Greer Valerie E | Grant | 17K | — |
| 2025-02-18 | Greer Valerie E | Grant | 2.0K | — |
| 2025-02-18 | Greer Valerie E | Tax withheld | 15K | $62.10 |
| 2025-02-18 | Driscoll Allegra S | Grant | 7.8K | — |
| 2025-02-18 | Driscoll Allegra S | Grant | 12K | — |
| 2025-02-18 | Driscoll Allegra S | Tax withheld | 2.8K | $62.10 |
| 2025-02-18 | Campbell Jonathan Bryan | Grant | 8.5K | — |
| 2025-02-18 | Campbell Jonathan Bryan | Tax withheld | 3.9K | $62.10 |
| 2025-02-18 | Beberman Perry S | Grant | 12K | — |
| 2025-02-18 | Beberman Perry S | Grant | 17K | — |
| 2025-02-18 | Beberman Perry S | Grant | 2.7K | — |
| 2025-02-18 | Beberman Perry S | Tax withheld | 17K | $62.10 |
| 2025-02-18 | Andretta Ralph J | Grant | 45K | — |
| 2025-02-18 | Andretta Ralph J | Grant | 68K | — |
| 2025-02-18 | Andretta Ralph J | Grant | 8.1K | — |
| 2025-02-18 | Andretta Ralph J | Tax withheld | 45K | $62.10 |
| 2025-01-15 | Gerspach John C | Grant | 604 | — |
| 2025-01-08 | Motes Joseph L III | Tax withheld | 557 | $62.87 |
All non-derivative Form 4 activity (SEC), newest first.
Supply chain
Customers (1)
- Saks Fifth Avenue
Suppliers (5)
- Amazon Web Services
- Microsoft
- Fiserv
- Pluralsight
- American Express
Named in the 10-K; linked when we track them.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-10 | 2026-06-10 | 0001101215-26-000061 ↗ |
| 8-K | 2026-05-22 | 2026-05-19 | 0001101215-26-000058 ↗ |
| 8-K | 2026-05-15 | 2026-05-15 | 0001101215-26-000055 ↗ |
| 8-K | 2026-05-12 | 2026-05-12 | 0001193125-26-218648 ↗ |
| 8-K | 2026-05-06 | 2026-05-05 | 0001101215-26-000053 ↗ |
| 8-K | 2026-05-05 | 2026-05-05 | 0001101215-26-000047 ↗ |
| 10-Q | 2026-04-28 | 2026-03-31 | 0001101215-26-000040 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0001101215-26-000036 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0001101215-26-000037 ↗ |
| 8-K | 2026-03-11 | 2026-03-11 | 0001101215-26-000032 ↗ |
| 8-K | 2026-02-26 | 2026-02-26 | 0001101215-26-000030 ↗ |
| 8-K | 2026-02-18 | 2026-02-17 | 0001101215-26-000021 ↗ |