Every Form 4 that BFHIP (BFHIP) has filed with the SEC in the last 12 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A Form 4 covers the transactions officers, directors and large holders report, so if you follow BFHIP and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full BFHIP filings page.
Bread Financial Holdings President and CEO Ralph J. Andretta reported selling 15,000 shares of the company’s common stock in open-market transactions on May 29, 2026. The shares were sold in three trades at weighted average prices ranging between approximately $88 and $90 per share, with detailed price ranges disclosed in the footnotes. The sales were executed under a pre-arranged Rule 10b5-1 trading plan adopted on February 27, 2026, indicating they were scheduled in advance. After these transactions, Andretta continues to hold more than 500,000 shares directly.
BREAD FINANCIAL HOLDINGS, INC. director John J. Fawcett made an open-market purchase of common stock. On the reported date, he bought 698 shares at a price of $86.43 per share. After this transaction, he directly owned 11,000 shares of the company’s common stock.
His beneficial holdings consist of 8,198 unrestricted shares and 2,802 unvested restricted stock units that were granted on June 16, 2025. This filing reflects a net increase in his direct ownership position through a routine open-market purchase.
BREAD FINANCIAL HOLDINGS, INC. director Roger H. Ballou sold 9,687 shares of Common Stock in an open-market transaction at $90.32 per share. After this sale, he directly owns 30,079 shares of the company’s stock.
A footnote explains that his total beneficial ownership also includes 11,626 unrestricted shares and multiple blocks of unvested restricted stock units, such as 699 units granted on 6/27/16 and additional unvested units from annual grants through 6/16/25.
Gerspach John C reported acquisition or exercise transactions in this Form 4 filing.
Bread Financial Holdings director John C. Gerspach received an equity grant of 483 shares of common stock in the form of restricted stock units. These units will vest on April 15, 2027, reflecting compensation rather than an open-market purchase. Following the grant, he beneficially owns 47,206 common shares directly and 6,000 shares indirectly through the Gerspach 2020 GST Exempt Trust, for which his spouse serves as trustee.
Bread Financial Holdings executive Perry S. Beberman filed an amended insider trading report to correct prior data on a tax-related share disposition. The Form 4/A clarifies that 22,516 shares of common stock were withheld on February 17, 2026 to cover tax obligations when restricted stock units vested.
After this correction, Beberman is shown as beneficially owning 142,061 shares of Bread Financial common stock directly. The amendment states that only the number of shares withheld for taxes and the resulting ownership total were changed, and that all other information from the original Form 4 remains the same. This reflects an administrative correction rather than a new open-market trade.
Bread Financial Holdings executive Allegra S. Driscoll filed an amended insider trading report to correct a prior tax-withholding entry. The Form 4/A clarifies that 1,752 shares of common stock were withheld on February 18, 2026 to cover taxes upon vesting of restricted stock units at $73.74 per share. After this correction, Driscoll is shown as beneficially owning 60,780 common shares. The amendment states that the original Form 4 had overreported the number of shares withheld and that no other information from that earlier filing is changed.
BREAD FINANCIAL HOLDINGS, INC. director Roger H. Ballou reported a charitable stock gift. On February 19, 2026, he transferred 1,351 shares of common stock as a bona fide gift for charitable purposes at a stated price of $0.00 per share. After this disposition, he directly owns 39,766 common shares. This was a gift transfer rather than an open-market sale.
Campbell Jonathan Bryan reported acquisition or exercise transactions in this Form 4 filing.
Bread Financial Holdings reported that SVP and Chief Accounting Officer Jonathan Bryan Campbell received a grant of 1,728 shares of common stock in the form of performance-based restricted stock units. These RSUs may be adjusted based on performance over a three-year period and may vest on 2/17/29 if predetermined performance measures are met and he remains employed, subject to limited exceptions. After this grant, he directly holds 38,877 common shares. The filing is an amendment to add a previously omitted transaction.
Bread Financial Holdings, Inc. President and CEO Ralph J. Andretta reported multiple equity transactions in company common stock. He received stock-based compensation awards of 42,122 time-based restricted stock units, 63,183 performance-based RSUs, and an additional 19,123 performance-based units earned under a prior grant. The time-based RSUs vest in three annual installments through 2029, while the performance-based RSUs may vest in 2029 if preset performance goals are met and employment continues. Shares totaling 56,858 and 5,326 were withheld by the company at prices of $73.05 and $73.74 per share to satisfy tax obligations on RSU vesting. Following these transactions, Andretta directly holds 597,241 common shares.
BREAD FINANCIAL HOLDINGS, INC. executive Joseph L. Motes III reported equity compensation changes in company common stock. On February 17, 2026, he acquired 8,004 time-based RSUs and 12,005 performance-based RSUs, with vesting tied to multi-year service and performance conditions. A prior performance award granted in 2023 exceeded its targets, adding 4,262 units for a total of 23,719 units. On February 17 and 18, 2026, a total of 18,388 shares were disposed of through tax-withholding transactions upon RSU vesting, leaving him with 129,617 shares of common stock held directly.
Bread Financial Holdings executive Valerie E. Greer, EVP and Chief Commercial Officer, reported a mix of equity awards and tax-related share dispositions in company common stock. On February 17, 2026, she received several stock grants, including 9,478 time-based RSUs and 14,217 performance-based RSUs, plus an additional 5,543 performance-based units earned from a prior award. On February 17 and 18, 2026, the company withheld 23,834 and 2,003 shares, respectively, to cover tax obligations upon RSU vesting. After these transactions, she held 155,352 shares directly.
Bread Financial Holdings EVP and CFO Perry S. Beberman reported equity compensation changes and related tax-share dispositions. On February 17, 2026, he was granted 10,531 time-based RSUs, scheduled to vest in three annual installments from 2027 to 2029, and 15,796 performance-based RSUs that may vest in 2029 depending on three-year performance goals and continued employment. An additional 5,543 performance-based RSUs were earned based on return-on-equity results for 2023–2025. To cover tax obligations upon RSU vesting, the company withheld 43,007 shares on February 17 and 2,014 shares on February 18 at prices in the mid‑$70s per share. After these transactions, Beberman directly owned 121,570 shares of common stock.
BREAD FINANCIAL HOLDINGS, INC. senior vice president and chief accounting officer Jonathan Bryan Campbell reported equity compensation activity involving the company’s common stock. On February 17, 2026, he received a grant of 5,183 time-based restricted stock units (RSUs), which will vest in three annual installments through February 17, 2029, subject to continued employment.
Also on February 17 and on February 18, Campbell disposed of 2,951 and 1,310 shares, respectively, as tax-withholding dispositions when RSUs vested, with shares withheld by the company to satisfy his tax obligations rather than being sold in the open market.
BREAD FINANCIAL HOLDINGS, INC. executive Allegra S. Driscoll, EVP and Chief Technology Officer, reported equity compensation changes in company common stock. On February 17, she acquired 7,109 time-based RSUs and 10,663 performance-based RSUs that vest over multi-year periods if service and performance conditions are met. On February 17 and 18, the company withheld 2,787 and 2,564 shares, respectively, to cover tax obligations upon RSU vesting, leaving her with 59,968 directly held shares after these transactions.
Bread Financial Holdings executive Tammy M. McConnaughey, EVP of Operations & Credit Risk, reported multiple equity award and tax-withholding transactions in company common stock. On February 17, 2026, she was granted 7,898 time-based restricted stock units that vest in three annual installments through February 17, 2029, and 11,847 performance-based RSUs that may vest on February 17, 2029 if three-year performance goals are met and employment continues. She also acquired an additional 3,984 performance-based RSUs tied to an earlier 2023 grant after achieving 121.9% of return-on-equity targets for 2023–2025. To satisfy tax withholding upon RSU vesting, the company withheld 17,861 shares on February 17, 2026 and 1,606 shares on February 18, 2026. After these transactions, McConnaughey directly owned roughly 123,320 shares of Bread Financial common stock.
Bread Financial Holdings director John C. Gerspach reported a new equity award and updated holdings. On January 15, 2026, he received a grant of 499 shares of common stock in the form of restricted stock units, which are scheduled to vest on January 15, 2027.
Following this grant, Gerspach is shown as beneficially owning 46,723 shares of Bread Financial common stock directly, including unrestricted shares and multiple unvested restricted stock unit awards. In addition, 6,000 shares are reported as indirectly owned through the Gerspach 2020 GST Exempt Trust, for which his spouse serves as trustee.