Bread Financial Holdings, Inc.
Financial ServicesNYSE:BFH · New York Stock Exchange
+$0.08 today
Vol 0.51M · Avg 0.79M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Return Metrics
ROE, ROIC & ROA over time
ROE
15.6%
avg 24.9%
ROIC
6.5%
avg 5.4%
ROA
2.3%
avg 2.1%
Analysis
ROE is currently the strongest return metric at 15.6% versus its period average of 24.9%. 1 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
Ralph J. Andretta | President, Chief Executive Officer & Director | $4.90M | — | 65 | $595,741.00 | 1.47% |
Allegra Driscoll | Executive Vice President & Chief Technology Officer | $2.68M | — | 47 | $60,780.00 | 0.15% |
Perry S. Beberman | Executive Vice President & Chief Financial Officer | $2.49M | — | 60 | $121,570.00 | 0.30% |
Valerie E. Greer | Executive Vice President & Chief Commercial Officer | $2.47M | — | 60 | $155,352.00 | 0.38% |
Joseph L. Motes | Executive VP, Chief Legal & Administrative Officer and Secretary | $2.30M | — | 64 | $129,617.00 | 0.32% |
Tammy Michelle McConnaughey | Executive Vice President and Chief Credit Risk & Operations Officer | $1.78M | — | 52 | $123,320.06 | 0.31% |
Wes Hunt | Senior Vice President of Operational Excellence | — | — | — | — | — |
Brandy Sullivan | Senior VP and Chief People & Culture Officer | — | — | — | — | — |
Brian Vereb | Head of Investor Relations | — | — | — | — | — |
Jonathan Bryan Campbell | Senior Vice President & Chief Accounting Officer | — | — | 53 | $37,149.00 | 0.09% |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
3
$123,786.97
Sells
4
$2.21M
Net Sentiment
$2.09M
Net selling
Most Active
Andretta Ralph J
3 transactions
Analysis
Insiders reported 3 buys worth $123,786.97 and 4 sells worth $2.21M over the last 12 months. That adds up to net selling of $2.09M. Andretta Ralph J was the most active insider with 3 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | +10.4% | +3.8% (13yr)5 analysts |
| Revenue | N/A | N/A | +20.9% | -3.2% (13yr)5 analysts |
| Net Income | N/A | N/A | +12.2% | +0.7% (13yr)5 analysts |
| EBIT | N/A | N/A | +9.0% | -4.8% (13yr)5 analysts |
Analysis
Recent growth has been strongest in Revenue at +20.9% over three years. Forward estimates point to EPS at +3.8% (13yr), giving you a quick check on whether expectations are accelerating or cooling.
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Who manages BFH?
Bread Financial Holdings, Inc. (BFH) lists 10 active executives. The top listed executive is Valerie E. Greer, Executive Vice President & Chief Commercial Officer.
Are BFH insiders buying or selling?
Recent insider activity shows net selling of $39.08M.
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