BFH Bread Financial (BFH) Insider Trading, Ownership & Congress Trades
Financial Services · Personal credit institutions · CIK 0001101215
C-suite buying · 1
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
210
13F, latest reported quarter
What the filings say about BFH
Insiders, 180 days
-$1.6M net sold
2 buyers · 2 sellers · 0% of sales under a 10b5-1 plan
Bread Financial insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, BREAD FINANCIAL HOLDINGS, INC. insiders sold a net $1.6M of stock across 257 Form 4 purchases and sales, with 2 insiders buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- First Form 4 purchase or sale (code P or S) here by this insider on our record.
- The trade is 0.1% of the 29,546 shares held after it.
- No other insider bought within 30 days.
- 210 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP, Chief Revenue Officer McCarthy Dennis James bought about $1.7K of BFH on Sep 14, 2026; 210 funds added in the latest 13F quarter.Context
- First Form 4 purchase or sale (code P or S) here by this insider on our record.
- The trade is 62.9% of the 4,458 shares held after it.
- No other insider sold within 30 days.
- 210 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Lakhwara Praniti sold about $297.3K of BFH on Jul 28, 2026; 210 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Aug 8, 2022.
- The trade is 0.3% of the 595,741 shares held after it.
- No other insider sold within 30 days.
- 210 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President and CEO Andretta Ralph J sold about $132.3K of BFH on May 29, 2026; 210 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Aug 8, 2022.
- The trade is 0.2% of the 582,241 shares held after it.
- No other insider sold within 30 days.
- 210 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President and CEO Andretta Ralph J sold about $89.6K of BFH on May 29, 2026; 210 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Aug 8, 2022.
- The trade is 2.1% of the 583,241 shares held after it.
- No other insider sold within 30 days.
- 210 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President and CEO Andretta Ralph J sold about $1.1M of BFH on May 29, 2026, the largest insider sale at the company since 2024; 210 funds added in the latest 13F quarter.257 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net -$1.6M over 180 days
+$1.7K over 90 days
below 55% of Financial Services
Congress
no House purchase disclosed in the last 12 months
Funds
210 funds bought in last quarter
more than 76% of Financial Services
Revenue
-31.3% year over year
below 86% of Financial Services
Margin
89.7% net margin
more than 92% of Financial Services
Buybacks
$396.0M repurchased, FY to 2026-06-30
more than 81% of Financial Services
Short interest
8.7% of the float short (float per yahoo 2026-10-26) · 4.8 days to cover · settled 2026-09-30
more than 85% of Financial Services
What changed in the last 30 days
Oct 28Insider selling stopped: no sales in 90 days after 4 in the prior 90
Why it matters
The absence is the signal: 4 sales in one 90-day window and none in the next is a change of behaviour, not a filing.
Watch BFH
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+58.2%12M
Insider buyInsider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns BFH: institutional holders (13F)
13F holdings, latest reported quarter
3,888,457 sh
$421.3M
3,092,208 sh
$335.0M
2,621,816 sh
$284.1M
1,791,190 sh
$194.1M
1,788,468 sh
$193.8M
Congress trades in BFH
No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
BFH planned insider sales (Form 144)
Notice of intent to sell, filed before any sale
Lakhwara Praniti
Filed 2026-07-28
$297.3K
BFH mutual fund holders (N-PORT)
Funds ranked by the share of their own portfolio in this stock (N-PORT).
Miller Income Fund
$11.9M position · as of 2026-06-30
6.9%
Miller Value Partners Appreciation ETF
$4.2M position · as of 2026-06-30
6.0%
Castellan Targeted Equity ETF
$25.3M position · as of 2026-05-29
4.2%
Hennessy Small Cap Financial Fund
$2.5M position · as of 2026-07-31
3.3%
Invesco Dorsey Wright Financial Momentum ETF
$1.4M position · as of 2026-07-31
2.4%
Pzena Small Cap Value Fund
$2.2M position · as of 2026-05-31
2.3%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M ·
% is the share of the fund's own portfolio
Corporate PAC
The company's PAC: committee totals only, never individual donors (FEC).
Bread Financial Holdings, Inc. Pac (Aka Bread Financial Pac)
Cycle 2026 · $292K spent
$319.2K
Federal Election Commission, matched by the PAC's connected organisation
Executive pay vs shareholder return
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$11.9M
$19.2M
$4.0M
+37%
+100%
2024
$10.6M
$21.6M
$3.8M
+11%
+75%
2023
$7.7M
$7.7M
$2.8M
-41%
+35%
2022
$8.7M
$3.6M
$3.2M
-35%
+21%
2021
$11.2M
$11.3M
$3.5M
+14%
+35%
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
The complete filing record, in one place.
The record shows a net $1.6M sold by insiders over 180 days, 210 funds added last quarter. Each figure is a federal filing, dated the day it went public.
BFH financials
Revenue growth
-31.3%
XBRL, annual
Net margin
89.7%
Complaints, 90 days
2,095
-9.8% YoY · CFPB
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$4.3B
four quarters, 2020-10-01 to 2021-09-30
Revenue, TTM BFH
| FY Dec 2025 | $4.3B |
| FY Dec 2024 | $4.3B |
| FY Dec 2023 | $4.3B |
| FY Dec 2022 | $4.3B |
| FY Dec 2021 | $4.3B |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Net margin, TTM
+13.2%
net income over revenue, 2025-07-01 to 2026-06-30
Net margin, TTM BFH
| FY Dec 2025 | +12.1% |
| FY Dec 2024 | +6.4% |
| FY Dec 2023 | +16.6% |
| FY Dec 2022 | +5.2% |
| FY Dec 2021 | +18.6% |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Free cash flow, TTM
$2.1B
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM BFH
| FY Dec 2025 | $2.0B |
| FY Dec 2024 | $1.8B |
| FY Dec 2023 | $1.9B |
| FY Dec 2022 | $1.8B |
| FY Dec 2021 | $1.5B |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Debt to equity
1.33x
long-term 2025-12-31 (6 months older than the period end) plus current 2019-03-31 (88 months older than the period end); equity 2026-06-30
Debt to equity BFH
| FY Dec 2025 | 1.34x |
| FY Dec 2024 | 1.87x |
| FY Dec 2023 | 1.87x |
| FY Dec 2022 | 3.61x |
| FY Dec 2021 | 3.64x |
| Jun 2026 | 1.33x |
| Mar 2026 | 1.34x |
| Dec 2025 | 1.34x |
| Sep 2025 | 1.19x |
| Jun 2025 | 1.39x |
| Mar 2025 | 1.72x |
| Dec 2024 | 1.87x |
| Sep 2024 | 1.52x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
0.49x
TTM operating cash flow over long-term 2025-12-31 (6 months older than the period end) plus current 2019-03-31 (88 months older than the period end)
Cash flow to debt BFH
| FY Dec 2025 | 0.47x |
| FY Dec 2024 | 0.33x |
| FY Dec 2023 | 0.36x |
| FY Dec 2022 | 0.23x |
| FY Dec 2021 | 0.20x |
| Jun 2026 | 0.49x |
| Mar 2026 | 0.49x |
| Dec 2025 | 0.47x |
| Sep 2025 | 0.51x |
| Jun 2025 | 0.42x |
| Mar 2025 | 0.34x |
| Dec 2024 | 0.33x |
| Sep 2024 | 0.42x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+17.4%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity BFH
| FY Dec 2025 | +16.3% |
| FY Dec 2024 | +9.2% |
| FY Dec 2023 | +27.7% |
| FY Dec 2022 | +10.2% |
| FY Dec 2021 | +44.5% |
| Jun 2026 | +17.4% |
| Mar 2026 | +17.6% |
| Dec 2025 | +16.3% |
| Sep 2025 | +14.7% |
| Jun 2025 | +9.0% |
| Mar 2025 | +9.2% |
| Dec 2024 | +9.2% |
| Sep 2024 | +10.4% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+2.6%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets BFH
| FY Dec 2025 | +2.3% |
| FY Dec 2024 | +1.2% |
| FY Dec 2023 | +3.0% |
| FY Dec 2022 | +0.9% |
| FY Dec 2021 | +3.6% |
| Jun 2026 | +2.6% |
| Mar 2026 | +2.5% |
| Dec 2025 | +2.3% |
| Sep 2025 | +2.2% |
| Jun 2025 | +1.3% |
| Mar 2025 | +1.3% |
| Dec 2024 | +1.2% |
| Sep 2024 | +1.4% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
the filed year and its quarters do not reconcile, so the trailing figure is withheld
Return on invested capital BFH
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
the filed year and its quarters do not reconcile, so the trailing figure is withheld
Return on capital employed BFH
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
7.95x
close 2026-10-27 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing BFH
| FY Dec 2025 | 6.78x |
| FY Dec 2024 | 11.04x |
| FY Dec 2023 | 2.30x |
| FY Dec 2022 | 8.46x |
| FY Dec 2021 | 4.16x |
| Jun 2026 | 8.40x |
| Mar 2026 | 6.09x |
| Dec 2025 | 6.78x |
| Sep 2025 | 5.69x |
| Jun 2025 | 9.70x |
| Mar 2025 | 8.93x |
| Dec 2024 | 11.04x |
| Sep 2024 | 7.54x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$4.7B
market value at close 2026-10-27 on 2026-07-22 shares, plus long-term 2025-12-31 (6 months older than the period end) plus current 2019-03-31 (88 months older than the period end), minus cash 2026-06-30
Enterprise value BFH
| FY Dec 2025 | $4.2B |
| FY Dec 2024 | $5.1B |
| FY Dec 2023 | $3.5B |
| FY Dec 2022 | $6.2B |
| FY Dec 2021 | $7.9B |
| Jun 2026 | $5.2B |
| Mar 2026 | $4.1B |
| Dec 2025 | $4.2B |
| Sep 2025 | $2.8B |
| Jun 2025 | $3.2B |
| Mar 2025 | $3.5B |
| Dec 2024 | $5.1B |
| Sep 2024 | $3.7B |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+53.9%
TTM free cash flow over market value at close 2026-10-27
FCF yield BFH
| FY Dec 2025 | +59.9% |
| FY Dec 2024 | +59.0% |
| FY Dec 2023 | +118.1% |
| FY Dec 2022 | +94.8% |
| FY Dec 2021 | +44.0% |
| Jun 2026 | +48.5% |
| Mar 2026 | +65.6% |
| Dec 2025 | +59.9% |
| Sep 2025 | +74.4% |
| Jun 2025 | +67.2% |
| Mar 2025 | +70.7% |
| Dec 2024 | +59.0% |
| Sep 2024 | +81.6% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.07x
P/E over trailing EPS growth of 119%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing BFH
| FY Dec 2025 | 0.07x |
| FY Dec 2024 | n/a |
| FY Dec 2023 | 0.01x |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 0.02x |
| Jun 2026 | 0.07x |
| Mar 2026 | 0.05x |
| Dec 2025 | 0.07x |
| Sep 2025 | 0.10x |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-27. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Net income | $518.0M | $277.0M | $718.0M | $223.0M |
| EPS (diluted) | 10.89 | 5.49 | 14.34 | 4.46 |
| Operating cash flow | $2.1B | $1.9B | $2.0B | $1.8B |
| Cash | $3.6B | $3.7B | $3.6B | $3.9B |
| Long-term debt | $4.3B | $5.6B | $5.3B | $8.0B |
| Buybacks | $313.0M | $55.0M | $35.0M | $12.0M |
| Dividends paid | $40.0M | $43.0M | $42.0M | $43.0M |
SEC XBRL, fiscal years, as known on 2026-10-28
BFH Stock Sonar score 6/7 axes
Find similar shapesCompareBFH ranks highest on institutional and government (76th percentile) and profitability (67th), and lowest on growth (14th), among Financial Services peers.
6 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
BFH filings, in plain words
Are Bread Financial insiders buying or selling BFH?
In the 180 days to 2026-10-28, Bread Financial insiders were net sellers, a net $1.6M: $62.0K of purchases and $1.6M of sales reported on Form 4, by 2 buyers and 2 sellers.
Read the full summary
In the 180 days to 2026-10-28, Bread Financial insiders were net sellers of BFH, a net $1.6M across purchases and sales reported on Form 4 by 2 buyers and 2 sellers. Sales outweighed purchases more than tenfold by value. None of the 4 insider sales was flagged as made under a Rule 10b5-1 plan. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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