BFH BREAD FINANCIAL HOLDINGS, INC. Insider Trading

CEO Ralph J Andretta sold 15,000 shares for $1,336,540.00 under pre-arranged 10b5-1 plan

Ralph J Andretta, President and CEO of Bread Financial Holdings, executed 3 separate sales totaling 15,000 shares for $1,336,540.00 on 2026-05-29, reducing his holdings from 597,241 shares to 582,241 shares. This transaction is part of a pre-arranged 10b5-1 trading plan adopted on 2026-02-27, making it scheduled rather than discretionary in nature. The company trades at a P/E of 6.44 with recent quarterly revenue of $1,018,000,000.00 and net income of $181,000,000.00; the stock has gained 22.9% over the past 90 days and currently trades at $89.39, near its 52-week high of $99.13. Given the structured nature of the plan, the modest 2.5% reduction in CEO holdings, and the company's strong recent price momentum and valuation metrics, this filing presents limited material information beyond the disclosed transaction itself.

Director John J. Fawcett bought 698 BFH shares at $86.43; 4 prior BFH buys all positive at 90-day mark, P/E 6.23, 11.0K shares post-trade.

John J. Fawcett, a director, purchased 698 shares of Bread Financial Holdings at $86.43, bringing his holdings to 11,000 shares. His prior four transactions at BFH were all buys, and all four posted positive 90-day returns ranging from 5.1% to 26.4%, establishing a consistent pattern of well-timed accumulation at this ticker. Across his cross-ticker track record, his prior buys averaged a 90-day return of 13.8% with a 100% win rate over 90-day horizons. At the company level, fundamentals show revenue of $1,018,000,000 and net income of $181,000,000, paired with a low P/E ratio of 6.23 and minimal revenue growth of 0.2% year-over-year. The current price of $86.42 sits 12.8% below the 52-week high, yet this purchase extends a pattern of insider accumulation despite the stock's recent 6.5% decline over 30 days.