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Bread Financial Holdings, Inc. Stock: price and insider trades · United States
1 insider bought €1,482 of shares over the last 90 days, the latest filed 16 Sept 2026.
Bread Financial Holdings, Inc.: what insiders have been doing
Bread Financial Holdings, Inc., founded in 1996, is a Finance & Banking company based in Columbus, United States. Its directors and officers file their transactions with SEC (Form 4). Between 18 October 2025 and 18 October 2026, 18 insiders published 32 filings.
Open-market activity splits into 2 purchases totalling €53k and 4 sales totalling €1.9M; 2 insiders sit on the buying side and 2 insiders on the selling side. Netting one side against the other leaves €1.8M of net selling. Unlike grants, an open-market purchase is paid for by the insider, at the market price. Those buying include 2 senior executives. The largest single trade was a sale of €960k by Andretta Ralph J, published on 1 June 2026, equal to 0.026% of the market capitalisation.
The latest purchase dates back some time: it was published 32 days ago, on 16 September 2026. Filings reach the SEC (Form 4) feed a median of 2 days after the trade. The legal deadline for a Form 4 is two business days after the transaction. Keep in mind that insiders sell for many reasons unrelated to the outlook, from tax bills to estate planning.
Compared with its exchange (5,458 companies, median 22 filings), a count of 32 filings is above the norm. Since 2016, the database holds 18 purchases and 39 sales by insiders of the company. On the fundamentals side, the SEC filing (10-K) for the period ending 31 December 2025 lists net income at 518.0 m USD; the dividend was 0.86 USD per share.
Elsewhere in the same sector, our signals recently picked up insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. This summary is built from SEC (Form 4) disclosures alone and does not predict where the share price will go.
Insider Decl.
213
Thresholds
n/a
Buy Volume
€5M
18 ops. · all time
Sell Volume
€13M
39 ops. · all time
Who traded when
BuySaleRalph J. Andretta3 sales
John J. Fawcett2 buys
Dennis James McCarthy1 buy
Roger H. Ballou1 sale
Since the insiders bought
- +15.9%Entry US$88.51 · Close 16 Oct 2026 US$102.56
- +27.8%Entry US$39.72 · Close at T+365 US$50.78
- +33.7%Entry US$30.89 · Close at T+365 US$41.30
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Bread Financial Holdings, Inc. Buy (bullish), based on 16 analysts. Average price target: US$114.69.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 1,532 of 24,161 companies
77.3
score / 100
Value89
Quality66
FCF yld53%
Earn yld13%
EV/EBITDA7.1x
ROE17%
Gross mgn54%
Net mgn13%
Debt/EBITDA3.8x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$102.56
Analyst consensus
16 analystsBuy
US$86.00Target US$114.69(+12%)US$129.00
Income statement
RevenueUS$3.8B
Gross profitUS$2.1B54% margin
EBITDAUS$1.2B30% margin
Net incomeUS$518M21.4% margin
Valuation
PER (trailing)8.0x
PER (forward)7.5x
P/Book1.2x
Beta1.18
Balance sheet & cash
Market capUS$3.9B
Total debtUS$4.4B
Free Cash FlowUS$2.1B
Profitability & ownership
ROE17.4%
ROA2.6%
% insiders1.5%
% institutions109.7%
Last declaration on 16 September 2026
Declarations213 total
15.89 shares@ US$108.140.0000% mcap100.0% of flowCommon StockSEC:0002153122-26-000005:0
Canonical exit: 13 Dec 2026 (T+90)
2,802 shares@ US$106.120.0078% mcap100.0% of flowCommonSEC144:0001959173-26-005389
730 sharesCommon StockSEC:0001321140-26-000008:0
1,638 sharesCommon StockSEC:0001190305-26-000002:0
1,638 sharesCommon StockSEC:0001321140-26-000006:0
1,638 sharesCommon StockSEC:0001363500-26-000004:0
1,638 sharesCommon StockSEC:0001391264-26-000002:0
1,638 sharesCommon StockSEC:0001393081-26-000002:0
1,638 sharesCommon StockSEC:0001614143-26-000004:0
1,638 sharesCommon StockSEC:0001812674-26-000004:0
1,638 sharesCommon StockSEC:0002026080-26-000002:0
12,500 shares@ US$89.170.026% mcap42.9% of flowCommon StockSEC:0001801850-26-000005:1
1,500 shares@ US$88.230.0031% mcap5.1% of flowCommon StockSEC:0001801850-26-000005:0
1,000 shares@ US$89.570.0021% mcap3.5% of flowCommon StockSEC:0001801850-26-000005:2
698 shares@ US$86.430.0014% mcap21.6% of flowCommon StockSEC:0001614143-26-000002:0
Canonical exit: 19 Aug 2026 (T+90)
9,687 shares@ US$90.320.021% mcap79.8% of flowCommon StockSEC:0001158369-26-000004:0
483 sharesCommon StockSEC:0001321140-26-000004:0
1,752 shares@ US$73.740.0031% mcap100.0% of flowCommon StockSEC:0002008252-26-000002:0
22,516 shares@ US$73.050.040% mcap72.6% of flowCommon StockSEC:0001869941-26-000004:0
1,351 shares0Common StockSEC:0001158369-26-000002:0
1,728 sharesCommon StockSEC:0001893356-26-000002:0
8,004 sharesCommon StockSEC:0001101215-26-000027:0
5,183 sharesCommon StockSEC:0001101215-26-000025:0
10,531 sharesCommon StockSEC:0001869941-26-000002:0
9,478 sharesCommon StockSEC:0001843064-26-000002:0
25 of 213 declarations
About Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. is a U.S.-listed financial services company traded on the NYSE under the ticker BFH. Headquartered in Columbus, Ohio, United States, the company operates in consumer payments, lending, and savings rather than as a traditional retail bank. For investors, Bread Financial is best understood as a specialist platform that powers private-label and co-branded credit programs, installment-style financing, and digital payment solutions for merchants and consumer brands. Its business model is built around long-term partnerships with retailers and branded networks, allowing it to help partners drive conversion, loyalty, and basket size through tailored credit offers and financing at the point of sale. ([investor.breadfinancial.com](https://investor.breadfinancial.com/news-releases/news-release-details/bread-financial-reports-fourth-quarter-and-full-year-2025?utm_source=openai))
The company’s roots reflect the evolution of U.S. specialty consumer finance, with its current identity shaped by a major rebranding and strategic repositioning toward a technology-enabled financial services model. Bread Financial presents itself as a “tech-forward” provider, emphasizing data-driven underwriting, white-label technology, and flexible payment experiences. That positioning is important because the company competes not just on funding capability, but on its ability to integrate seamlessly into merchant ecosystems and support a better customer experience across both physical and digital channels. ([investor.breadfinancial.com](https://investor.breadfinancial.com/news-releases/news-release-details/bread-financial-reports-fourth-quarter-and-full-year-2025?utm_source=openai))
Read moreShow less
Its core business lines include private-label credit cards, co-branded card programs, promotional financing, direct-to-consumer credit and savings products, and other payment solutions tied to retail spending. Bread Financial also generates income from loan interest and related fee streams, while its merchant partnerships create a recurring pipeline of program launches and portfolio management opportunities. In competitive terms, the company sits in a niche between banks, card networks, and point-of-sale finance providers. Its edge comes from specialization: it is designed to help merchants monetize customer loyalty and financing demand, especially in categories such as furniture, electronics, sports, auto-related retail, and other discretionary spending verticals. ([investor.breadfinancial.com](https://investor.breadfinancial.com/news-releases/news-release-details/bread-financial-reports-fourth-quarter-and-full-year-2025?utm_source=openai))
Bread Financial’s geographic footprint is primarily domestic. Its operating base, management center, and commercial focus are in the United States, where consumer credit demand, merchant partnerships, and regulatory oversight shape the business model. The company does not have the global banking footprint of a universal lender; instead, its strength lies in focused U.S. market execution and in its ability to win, renew, and expand merchant programs. ([investor.breadfinancial.com](https://investor.breadfinancial.com/news-releases/news-release-details/bread-financial-reports-fourth-quarter-and-full-year-2025?utm_source=openai))
Recent developments underscore that strategy. In 2025 and 2026, Bread Financial announced or expanded programs with Raymour & Flanigan, GameStop, Academy Sports + Outdoors, Ford, and Ethan Allen, indicating continued commercial momentum in new verticals and renewed merchant relationships. The company also reported full-year 2025 results and first-quarter 2026 results, highlighting ongoing activity in credit sales, loan balances, and new card-program launches. For NYSE investors, BFH remains a specialized U.S. financial services name where partnership wins, credit performance, funding discipline, and consumer-spending trends are key drivers of sentiment. ([investor.breadfinancial.com](https://investor.breadfinancial.com/news-releases/news-release-details/bread-financial-reports-fourth-quarter-and-full-year-2025?utm_source=openai))
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