WAVEMAN · COMPANY

BFH · Bread Financial Holdings, Inc.

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TEAM-2.62% 13F +440META+1.00% 13F +2,694RCG+0.35% CLUSTERUTHR-0.54% 13F +425CRWV+5.68% 13F +694CRM-1.97% 13F +1,019CVNA+1.58% 13F +795TPL-1.11% 13F +444NET-1.96% 13F +711MSTR-1.39% 13F +527DELL+1.50% 13F +1,204CRWD-0.87% 13F +1,383ANET+1.22% 13F +1,324COIN-4.18% 13F +475TEAM-2.62% 13F +440META+1.00% 13F +2,694RCG+0.35% CLUSTERUTHR-0.54% 13F +425CRWV+5.68% 13F +694CRM-1.97% 13F +1,019CVNA+1.58% 13F +795TPL-1.11% 13F +444NET-1.96% 13F +711MSTR-1.39% 13F +527DELL+1.50% 13F +1,204CRWD-0.87% 13F +1,383ANET+1.22% 13F +1,324COIN-4.18% 13F +475

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BFH

Name: BREAD FINANCIAL HOLDINGS, INC. (BFH) insider trading and ownership data
Creator: WaveMan
License: https://wave-man.com/terms

BREAD FINANCIAL HOLDINGS, INC.

FINANCIAL SERVICES · PERSONAL CREDIT INSTITUTIONS · CIK 0001101215

FORM 144 · 1☆ WATCH

INSIDER NET · 180D

-$2.4M

open-market buys minus sells, Form 4 codes P and S

INSIDER BUYERS · 180D

CONGRESS BUYERS · 1Y

FUNDS ADDED · QTR

210

13F, latest reported quarter

REVENUE GROWTH

-31.3%

XBRL, annual

NET MARGIN

89.7%

COMPLAINTS · 90D

2,219

+1.7% YoY · CFPB

SEVEN FACTS, RANKED AGAINST THE SECTOR · RANK IS NOT A FORECAST

INSIDERS

net -$2.4M over 180 days

-$297.3K over 90 days

below 59% of Financial Services

CONGRESS

no member of Congress has reported trading it

FUNDS

210 funds added or opened last quarter

more than 76% of Financial Services

REVENUE

-31.3% year over year

below 85% 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 82% of Financial Services

SHORT

7.2% of shares outstanding short · 3.7 days to cover · settled 2026-07-31

more than 86% of Financial Services

THE SITUATION · EVERY LINE IS ONE RULE OVER ONE DATASET

Insiders are net sellers: -$2.4M across 3 people in 180 days.

210 funds added or opened positions in the latest 13F quarter, of 425 holders.

The year, with the filings on it

Total return indexed to 100 over the last 12 months · every marker is a federal filing, placed at its date — hover any marker for the detail

TOTAL 12M RETURN +70.8%

+70.8%12M

INSIDER BUYINSIDER SELLFORM 144

INDEXED RETURN, DIVIDEND-ADJUSTED — NOT A PRICE CHART · LARGE TRADES DRAWN FIRST WHEN A NAME FILES HEAVILY

Live price

Daily candles from TradingView, on their licence — no filings are marked on this one

WHY THIS NAME IS ON THE DESK

Insiders have filed to sell — before selling.

The record shows a net $2.4M sold by insiders over 180 days, 210 funds added last quarter, $297.3K in planned Form 144 sales. Every figure is a federal filing, dated the day it became public.

Backtest this pattern Open the screener

Same sector, ranked by filing activity

Sector from the SEC's own SIC classification

MSTR COIN MORN UPST IBKR CACC ARES HOOD RKT SCHW DAVE GS

Insider transactions

Form 4 purchases and sales (codes P and S) — grants, option exercises and preferred conversions excluded

Over the last 180 days, BREAD FINANCIAL HOLDINGS, INC. insiders sold a net $2.4M of stock across 256 Form 4 purchases and sales, with 1 insider(s) buying. Source: SEC Form 4 filings, as of 2026-09-06.

INSIDER

FILED

VALUE

Lakhwara Praniti

Director

SELL

2026-07-28

2,802.0

$297.3K

Andretta Ralph J

President and CEO

SELL

2026-05-29

1,500.0

$132.3K

Andretta Ralph J

President and CEO

SELL

2026-05-29

1,000.0

$89.6K

Andretta Ralph J

President and CEO

SELL

2026-05-29

12,500.0

$1.1M

Fawcett John J.

Director

BUY

2026-05-21

698.0

$60.3K

256 TRANSACTIONS ON RECORD

Showing the most recent few. Create a free account to see 251 more transactions on record, the cross-source screener and CSV export. We store only your email address, and there is no password to create.

Institutional holders

13F · holdings as of the latest quarter funds have reported

BlackRock, Inc.

3,888,457.0 sh

$421.3M

DIMENSIONAL FUND ADVISORS LP

3,092,208.0 sh

$335.0M

VANGUARD PORTFOLIO MANAGEMENT LLC

2,621,816.0 sh

$284.1M

AMERICAN CENTURY COMPANIES INC

1,791,190.0 sh

$194.1M

Allianz Asset Management GmbH

1,788,468.0 sh

$193.8M

SCHEDULE 13D/G

No 5%+ ownership filings

Nobody has crossed 5% with a filing obligation. Absence is a fact here, not missing data.

Planned sales · Form 144

Filed before the sale — intent, not a trade

Lakhwara Praniti

FILED 2026-07-28

$297.3K

Fund concentration

N-PORT · funds ranked by how much of THEMSELVES they put in this stock — the conviction number 13F cannot show

Miller Income Fund

$8.2M POSITION · AS OF 2026-03-31

4.8%

Miller Value Partners Appreciation ETF

$2.8M POSITION · AS OF 2026-03-31

4.5%

Hennessy Small Cap Financial Fund

$2.3M POSITION · AS OF 2026-04-30

3.2%

HARTFORD SMALL CAP VALUE FUND

$5.7M POSITION · AS OF 2026-04-30

2.1%

PIMCO RAE US Small Fund

$61.4M POSITION · AS OF 2026-03-31

2.0%

NVIT Small Cap Value Fund

$3.6M POSITION · AS OF 2026-03-31

1.9%

SEC N-PORT, MONTHLY WITH A ~60-DAY PUBLIC LAG · FUNDS ≥ $10M · % = SHARE OF THE FUND'S OWN BOOK

Corporate PAC

FEC · the company-connected political action committee's own receipts and spending — committee totals only, never individual donors

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

DEF 14A pay-versus-performance disclosure · both the headline pay and the SEC's mark-to-market figure, beside the return the company delivered and the return of the peer group it chose itself

CEO TOTAL

ACTUALLY PAID

OTHER NEOs 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

$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) · RETURN IS CUMULATIVE FROM THE START OF THE DISCLOSURE PERIOD · GREEN WHERE THE COMPANY BEAT ITS OWN PEER GROUP

Fundamentals

Annual figures from XBRL filings · pick a past date to see them exactly as the market knew them then — restatements and all

	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-YEAR PERIODS · AS KNOWN ON 2026-09-06 · NOBODY ELSE SHOWS FUNDAMENTALS AS OF A PAST DATE