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.

Director Fawcett buys 1,027 shares of BFH at $61.79 avg for $63,458.83; prior trades at this ticker showed +13.6% and +18.6% 90d returns

John J. Fawcett, Director, executed 2 separate open-market purchases on 2025-07-30 totaling 1,027 shares for $63,458.83 at a blended average price of $61.79, raising his holdings by 11.1% to 10,302 shares. His prior trades at BFH (buy on 2024-10-28 and buy on 2024-08-12) both delivered positive 90-day returns of +13.6% and +18.6% respectively, with both trades establishing timing patterns favorable to subsequent upside. The current stock price of $57.56 sits -13.2% from the 52-week high and -3.9% over the last 30 days, yet Fawcett's cross-ticker track record shows a 100% 90-day win rate across 2 prior buys with an average 90-day return of +22.5%. The company trades at a P/E of 9.42 and posted a $929.0M quarterly revenue with $139.0M net income, though annual revenue growth is negative at -10.5%.

Director Fawcett buys 1,000 BFH shares at $51.02; post-transaction holdings 6,473 shares.

Fawcett, a director at Bread Financial, purchased 1,000 shares at $51.02 on 2024-10-28, increasing his holdings by 18.3% to 6,473 shares total. The transaction occurred near the stock's 52-week high ($58.60), with the current price $50.97 marking a 13.0% decline from that peak. His cross-ticker track record shows only one prior purchase with an average 30-day return of -6.1%, and his sole prior BFH trade (a buy on 2024-08-12) also posted a 30-day loss of -6.1%. The company's fundamentals appear solid, with a P/E of 5.24 and annual revenue growth of 12.1%, though the stock's recent 90-day movement of 0.4% and 30-day gain of 7.1% suggest modest momentum rather than a clear bullish inflection.

Director Fawcett buys 2,000 shares of BFH at $49.82; holdings rise to 5,473 shares (+57.6%)

John J. Fawcett, a Director of Bread Financial Holdings, purchased 2,000 shares at $49.82 on 2024-08-12, increasing his position by 57.6% to 5,473 shares post-transaction. The stock was trading at $52.41 at the time of this analysis, up 6.6% over the past 30 days and 29.2% over 90 days, suggesting positive price momentum into and following the purchase window. The company's fundamentals show solid operating results with $939.0M quarterly revenue, $133.0M net income, and 12.1% annual revenue growth, supported by an attractive P/E of 5.39 and $2.6B market cap. The director's substantial increase in personal stake—adding nearly 58% more shares to an existing holding—reflects increased direct ownership exposure to the company's performance and near-term stock price trajectory.