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BREAD FINANCIAL HOLDINGS, INC.

BFH Net selling
CIK 0001101215 #1518 in the set updated 17 Sep 2026
Bought (120 mo)
$125.93M
out of their own pocket, the only kind of buying there is
Sold (120 mo)
$617.98M
$1.34M on a plan · $6.84M straight out of an exercise
Sold at will
$609.80M
193 of 202 sales
Net
−$492.05M
−$483.87M against sales at will

By person

34 insiders · 316 transactions
52.6×

Ralph J. Andretta holds 52.6 times base salary in stock. $62.96M of shares against $1.20M in salary for 2025.

Salary from the company's own proxy. The shares are what Ralph J. Andretta last reported holding, valued at $108.14, the price Common Stock was last bought or sold at on the open market here, on 14 Sep 2026.

Insider
Role
Bought
Sold
Net
Holding
Of company
Worth
Change
ValueAct Holdings, L.P. entity
10% owner
$101.95M (11)
$564.38M (5)
−$462.43M
1,377,646
3.59%
$148.98M
−75.4%
HEFFERNAN EDWARD J
President and CEO
—
$8.45M (6)
−$8.45M
251,893
0.6556%
$27.24M
+36.7%
Turtle Creek Asset Management Inc. entity
10% owner
$20.94M (77)
$27.92M (162)
−$6.99M
293,092
0.7629%
$31.69M
−22.3%
HORN CHARLES L
EVP & Senior Advisor
—
$4.53M (7)
−$4.53M
6,300
0.0164%
$681.28K
−55.9%
Miller Melisa A
EVP & Pres, Card Services
—
$3.00M (2)
−$3.00M
42,453
0.1105%
$4.59M
+60.8%
Pearson Bryan A
EVP & President, LoyaltyOne
—
$2.72M (4)
−$2.72M
25,282
0.0658%
$2.73M
+248.7%
Kennedy Bryan J
EVP & President, Epsilon
$55.04K (1)
$2.46M (2) scheduled
−$2.40M
130,693
0.3402%
$14.13M
+20.6%
Andretta Ralph J
President and CEO
$149.80K (1)
$1.34M (3) scheduled
−$1.19M
582,241
1.52%
$62.96M
+1,459%
Santillan Laura
SVP, Chief Acctg. Officer
$67.80K (2)
$1.00M (3)
−$933.82K
38,249
0.0996%
$4.14M
+215.4%
Gerspach John C
Director
$860.99K (3)
—
+$860.99K
55,574
0.1447%
$6.01M
+4,531%
BALLOU ROGER H
Director
$302.01K (4)
$1.02M (2)
−$719.18K
30,079
0.0783%
$3.25M
+202.8%
King Timothy P
EVP & Chief Financial Officer
—
$684.33K (3)
−$684.33K
35,889
0.0934%
$3.88M
+625.6%
Lakhwara Praniti
Director
—
$297.35K (1)
−$297.35K
4,458
0.0116%
$482.09K
—
ANDERSON BRUCE K
Director
$290.60K (1)
—
+$290.60K
748,554
1.95%
$80.95M
+1.8%
MINICUCCI ROBERT A
Director
$289.85K (1)
—
+$289.85K
135,190
0.3519%
$14.62M
+8.8%
Fawcett John J.
Director
$274.45K (5)
—
+$274.45K
12,638
0.0329%
$1.37M
—
JENSEN KENNETH R
Director
$191.82K (1)
—
+$191.82K
78,260
0.2037%
$8.46M
+12.7%
Chesnut John Jeffrey
SVP and Treasurer
—
$175.00K (2)
−$175.00K
19,141
0.0498%
$2.07M
+1,165%
THERIAULT TIMOTHY J
Director
$162.19K (2)
—
+$162.19K
27,384
0.0713%
$2.96M
+2,401%
Beberman Perry S
EVP, Chief Financial Officer
$119.52K (1)
—
+$119.52K
121,570
0.3164%
$13.15M
+5,748%
Tucker Laurie Anne
Director
$115.22K (1)
—
+$115.22K
35,459
0.0923%
$3.83M
+1,011%
Greer Valerie E
EVP, Chief Commercial Officer
$113.25K (1)
—
+$113.25K
155,352
0.4044%
$16.80M
+490.7%
TURNEY SHAREN J
Director
$52.03K (1)
—
+$52.03K
23,174
0.0603%
$2.51M
+2,706%
McCarthy Dennis James
EVP, Chief Revenue Officer
$1.72K (1)
—
+$1.72K
29,546
0.0769%
$3.20M
+0.1%
Motes Joseph L III
EVP, CAO, Gen Counsel & Secy
—
—
—
129,617
0.3374%
$14.02M
—
McConnaughey Tammy M
EVP, Operations & Credit Risk
—
—
—
123,320
0.3210%
$13.34M
+489.8%
Driscoll Allegra S
EVP, Chief Technology Officer
—
—
—
59,968
0.1561%
$6.48M
—
Campbell Jonathan Bryan
SVP, Chief Accounting Officer
—
—
—
37,149
0.0967%
$4.02M
+209.8%
DRAPER E LINN JR
Director
—
—
—
26,990
0.0703%
$2.92M
+9.0%
Natarajan Rajesh
Director
—
—
—
21,442
0.0558%
$2.32M
+2,674%
St Clair Joyce
Director
—
—
—
11,307
0.0294%
$1.22M
—
COBB D KEITH
Director
—
—
—
9,237
0.0240%
$998.89K
+6.5%
Kimbrough Karin
Director
—
—
—
4,889
0.0127%
$528.70K
+2,407%
Barlow Kelly J
Director
—
—
—
0
0.0000%
$0.00
—

Individual transactions

83
Insider
Date
Role
Action
Shares
Price
Amount
McCarthy Dennis James
14 Sep 2026
EVP, Chief Revenue Officer
Buy
16
$108.14
$1.72K
Fawcett John J.
21 May 2026
Director
Buy
698
$86.43
$60.33K
Fawcett John J.
30 Jul 2025
Director
Buy
100
$61.80
$6.18K
Fawcett John J.
30 Jul 2025
Director
Buy
927
$61.79
$57.28K
Fawcett John J.
28 Oct 2024
Director
Buy
1,000
$51.02
$51.02K
Fawcett John J.
12 Aug 2024
Director
Buy
2,000
$49.82
$99.64K
BALLOU ROGER H
31 Jul 2023
Director
Buy
2,400
$41.78
$100.27K
Turtle Creek Asset Management Inc.
30 May 2023
10% owner
Buy indirect
400
$29.89
$11.95K
Turtle Creek Asset Management Inc.
24 May 2023
10% owner
Buy indirect
1,343
$29.50
$39.62K
Turtle Creek Asset Management Inc.
24 May 2023
10% owner
Buy indirect
13,657
$29.50
$402.86K
Turtle Creek Asset Management Inc.
19 May 2023
10% owner
Buy indirect
523
$29.74
$15.55K
Turtle Creek Asset Management Inc.
19 May 2023
10% owner
Buy indirect
5,327
$29.74
$158.41K
Turtle Creek Asset Management Inc.
18 May 2023
10% owner
Buy indirect
281
$29.73
$8.35K
Turtle Creek Asset Management Inc.
18 May 2023
10% owner
Buy indirect
2,863
$29.73
$85.11K
Turtle Creek Asset Management Inc.
17 May 2023
10% owner
Buy indirect
450
$29.84
$13.43K
Turtle Creek Asset Management Inc.
17 May 2023
10% owner
Buy indirect
7,130
$29.89
$213.10K
Turtle Creek Asset Management Inc.
17 May 2023
10% owner
Buy indirect
72,556
$29.89
$2.17M
Turtle Creek Asset Management Inc.
17 May 2023
10% owner
Buy indirect
1,817
$29.08
$52.83K
Turtle Creek Asset Management Inc.
17 May 2023
10% owner
Buy indirect
18,497
$29.08
$537.81K
Turtle Creek Asset Management Inc.
17 May 2023
10% owner
Buy indirect
2
$28.77
$57.55
Turtle Creek Asset Management Inc.
17 May 2023
10% owner
Buy indirect
20
$28.77
$575.48
Turtle Creek Asset Management Inc.
17 May 2023
10% owner
Buy indirect
174
$28.77
$5.01K
Turtle Creek Asset Management Inc.
17 May 2023
10% owner
Buy indirect
290
$28.77
$8.34K
Turtle Creek Asset Management Inc.
17 May 2023
10% owner
Buy indirect
3,014
$28.77
$86.73K
Turtle Creek Asset Management Inc.
16 May 2023
10% owner
Buy indirect
18
$27.81
$500.66
Turtle Creek Asset Management Inc.
16 May 2023
10% owner
Buy indirect
142
$27.81
$3.95K
Turtle Creek Asset Management Inc.
16 May 2023
10% owner
Buy indirect
1,243
$27.81
$34.57K
Turtle Creek Asset Management Inc.
16 May 2023
10% owner
Buy indirect
2,072
$27.81
$57.63K
Turtle Creek Asset Management Inc.
16 May 2023
10% owner
Buy indirect
21,525
$27.81
$598.71K
Turtle Creek Asset Management Inc.
15 May 2023
10% owner
Buy indirect
34
$28.19
$958.49
Turtle Creek Asset Management Inc.
15 May 2023
10% owner
Buy indirect
275
$28.19
$7.75K
Turtle Creek Asset Management Inc.
15 May 2023
10% owner
Buy indirect
2,403
$28.19
$67.74K
Turtle Creek Asset Management Inc.
15 May 2023
10% owner
Buy indirect
4,005
$28.19
$112.90K
Turtle Creek Asset Management Inc.
15 May 2023
10% owner
Buy indirect
41,603
$28.19
$1.17M
Turtle Creek Asset Management Inc.
15 May 2023
10% owner
Buy indirect
47
$27.70
$1.30K
Turtle Creek Asset Management Inc.
15 May 2023
10% owner
Buy indirect
373
$27.70
$10.33K
Turtle Creek Asset Management Inc.
15 May 2023
10% owner
Buy indirect
3,265
$27.70
$90.44K
Turtle Creek Asset Management Inc.
15 May 2023
10% owner
Buy indirect
5,442
$27.70
$150.74K
Turtle Creek Asset Management Inc.
15 May 2023
10% owner
Buy indirect
56,526
$27.70
$1.57M
Turtle Creek Asset Management Inc.
12 May 2023
10% owner
Buy indirect
50
$26.53
$1.33K
Turtle Creek Asset Management Inc.
12 May 2023
10% owner
Buy indirect
404
$26.53
$10.72K
Turtle Creek Asset Management Inc.
12 May 2023
10% owner
Buy indirect
3,532
$26.53
$93.70K
Turtle Creek Asset Management Inc.
12 May 2023
10% owner
Buy indirect
5,887
$26.53
$156.18K
Turtle Creek Asset Management Inc.
12 May 2023
10% owner
Buy indirect
61,154
$26.53
$1.62M
Turtle Creek Asset Management Inc.
11 May 2023
10% owner
Buy indirect
36
$26.17
$942.21
Turtle Creek Asset Management Inc.
11 May 2023
10% owner
Buy indirect
284
$26.17
$7.43K
Turtle Creek Asset Management Inc.
11 May 2023
10% owner
Buy indirect
2,487
$26.17
$65.09K
Turtle Creek Asset Management Inc.
11 May 2023
10% owner
Buy indirect
4,144
$26.17
$108.46K
Turtle Creek Asset Management Inc.
11 May 2023
10% owner
Buy indirect
43,049
$26.17
$1.13M
Turtle Creek Asset Management Inc.
10 May 2023
10% owner
Buy indirect
1
$26.78
$26.78
Turtle Creek Asset Management Inc.
10 May 2023
10% owner
Buy indirect
10
$26.78
$267.80
Turtle Creek Asset Management Inc.
10 May 2023
10% owner
Buy indirect
85
$26.78
$2.28K
Turtle Creek Asset Management Inc.
10 May 2023
10% owner
Buy indirect
141
$26.78
$3.78K
Turtle Creek Asset Management Inc.
10 May 2023
10% owner
Buy indirect
1,464
$26.78
$39.21K
Turtle Creek Asset Management Inc.
10 May 2023
10% owner
Buy indirect
52
$26.05
$1.35K
Turtle Creek Asset Management Inc.
10 May 2023
10% owner
Buy indirect
416
$26.05
$10.84K
Turtle Creek Asset Management Inc.
10 May 2023
10% owner
Buy indirect
3,645
$26.05
$94.95K
Turtle Creek Asset Management Inc.
10 May 2023
10% owner
Buy indirect
6,076
$26.05
$158.28K
Turtle Creek Asset Management Inc.
10 May 2023
10% owner
Buy indirect
63,110
$26.05
$1.64M
Turtle Creek Asset Management Inc.
9 May 2023
10% owner
Buy indirect
16
$26.39
$422.25
Turtle Creek Asset Management Inc.
9 May 2023
10% owner
Buy indirect
128
$26.39
$3.38K
Turtle Creek Asset Management Inc.
9 May 2023
10% owner
Buy indirect
1,118
$26.39
$29.50K
Turtle Creek Asset Management Inc.
9 May 2023
10% owner
Buy indirect
1,863
$26.39
$49.17K
Turtle Creek Asset Management Inc.
9 May 2023
10% owner
Buy indirect
19,351
$26.39
$510.68K
Turtle Creek Asset Management Inc.
9 May 2023
10% owner
Buy indirect
30
$25.90
$777.07
Turtle Creek Asset Management Inc.
9 May 2023
10% owner
Buy indirect
241
$25.90
$6.24K
Turtle Creek Asset Management Inc.
9 May 2023
10% owner
Buy indirect
2,115
$25.90
$54.78K
Turtle Creek Asset Management Inc.
9 May 2023
10% owner
Buy indirect
3,525
$25.90
$91.31K
Turtle Creek Asset Management Inc.
9 May 2023
10% owner
Buy indirect
36,613
$25.90
$948.36K
Turtle Creek Asset Management Inc.
8 May 2023
10% owner
Buy indirect
106
$25.17
$2.67K
Turtle Creek Asset Management Inc.
8 May 2023
10% owner
Buy indirect
853
$25.17
$21.47K
Turtle Creek Asset Management Inc.
8 May 2023
10% owner
Buy indirect
7,460
$25.17
$187.76K
Turtle Creek Asset Management Inc.
8 May 2023
10% owner
Buy indirect
12,433
$25.17
$312.93K
Turtle Creek Asset Management Inc.
8 May 2023
10% owner
Buy indirect
129,148
$25.17
$3.25M
Turtle Creek Asset Management Inc.
5 May 2023
10% owner
Buy indirect
53
$24.82
$1.32K
Turtle Creek Asset Management Inc.
5 May 2023
10% owner
Buy indirect
420
$24.82
$10.43K
Turtle Creek Asset Management Inc.
5 May 2023
10% owner
Buy indirect
3,676
$24.82
$91.24K
Turtle Creek Asset Management Inc.
5 May 2023
10% owner
Buy indirect
6,126
$24.82
$152.06K
Turtle Creek Asset Management Inc.
5 May 2023
10% owner
Buy indirect
63,632
$24.82
$1.58M
Turtle Creek Asset Management Inc.
4 May 2023
10% owner
Buy indirect
24
$23.72
$569.27
Turtle Creek Asset Management Inc.
4 May 2023
10% owner
Buy indirect
191
$23.72
$4.53K
Turtle Creek Asset Management Inc.
4 May 2023
10% owner
Buy indirect
1,675
$23.72
$39.73K
Turtle Creek Asset Management Inc.
4 May 2023
10% owner
Buy indirect
2,792
$23.72
$66.22K
Showing 250 of 316 transactions. The figures above use every one of them.

What was left out

Form 4 filings counted 311
Amendments (4/A) skipped 5
Filings about a different issuer 2
Unreadable filings 0
Joint filings 12
Sales on a Rule 10b5-1 plan 3
Sales straight out of an exercise 6
Sales at will 193
Transactions with no price 0
Shares from compensation/vesting 5,682,845
Sales filed before the plan box existed 29
History held since 18 Oct 2016