Bread Financial Company Top Insiders

BFH Stock  USD 61.16  1.14  1.83%   
Bread Financial employs about 6 K people. The company is managed by 26 executives with a total tenure of roughly 107 years, averaging almost 4.0 years of service per executive, having 230.77 employees per reported executive. Assessment of Bread Financial's management performance can provide insight into the firm performance.
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Bread Financial's Workforce Through the Years

Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Bread Financial's future performance. Based on our forecasts, it is anticipated that Bread will maintain a workforce of under 6500 employees by August 2025.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid

Bread Financial Management Team Effectiveness

The company has Return on Asset of 0.0128 % which means that on every $100 spent on assets, it made $0.0128 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.0938 %, implying that it generated $0.0938 on every 100 dollars invested. Bread Financial's management efficiency ratios could be used to measure how well Bread Financial manages its routine affairs as well as how well it operates its assets and liabilities. As of now, Bread Financial's Return On Tangible Assets are decreasing as compared to previous years. The Bread Financial's current Return On Assets is estimated to increase to 0.02, while Return On Capital Employed is projected to decrease to 0.03. As of now, Bread Financial's Return On Tangible Assets are decreasing as compared to previous years. The Bread Financial's current Debt To Assets is estimated to increase to 0.26, while Total Assets are projected to decrease to under 14 B.
The current Common Stock Shares Outstanding is estimated to decrease to about 49 M. The current Net Income Applicable To Common Shares is estimated to decrease to about 190.7 M

Bread Financial Workforce Comparison

Bread Financial Holdings is rated fifth in number of employees category among its peers. The total workforce of Financials industry is currently estimated at about 110,361. Bread Financial holds roughly 6,000 in number of employees claiming about 5% of equities under Financials industry.

Bread Financial Profit Margins

The company has Net Profit Margin of 0.11 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.29 %, which entails that for every 100 dollars of revenue, it generated $0.29 of operating income.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.30.5088
Way Down
Slightly volatile
Operating Profit Margin0.140.0794
Way Up
Very volatile
Pretax Profit Margin0.10.0794
Significantly Up
Very volatile

Bread Financial Insider Trading History

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Bread Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Bread Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Bread Financial insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
Buy/Sell Ratio# Purchases Trades# Sales TradesTotal Shares PurchasedTotal Shares Sold
2025-03-01
2.375
19
8
 260,969 
 108,678 
2024-09-01
3.0
3
1
 5,707 
 3,673 
2024-06-01
4.5
9
2
 28,809 
 0.00 
2024-03-01
0.1845
19
103
 406,121 
 609,608 
2023-12-01
0.0263
2
76
 1,514 
 345,481 
2023-09-01
1.3333
4
3
 7,532 
 5,021 
2023-03-01
1.1538
15
13
 334,376 
 33,417 
2022-09-01
4.5
9
2
 21,277 
 4,937 
2022-03-01
1.7778
16
9
 147,900 
 27,966 
2021-12-01
0.25
3
12
 1,074 
 552.00 
2021-09-01
2.5
5
2
 13,769 
 2,693 
2021-06-01
4.0
8
2
 13,004 
 1,162 
2021-03-01
1.0625
17
16
 231,346 
 14,218 
2020-06-01
4.0
8
2
 27,789 
 0.00 
2020-03-01
3.0
27
9
 125,626 
 4,925 
2019-12-01
0.5
2
4
 1,501,843 
 3,982,178 
2019-09-01
0.5
1
2
 2,581 
 6,052 
2019-06-01
3.0
9
3
 161,368 
 1,500,000 
2019-03-01
1.2143
17
14
 94,306 
 18,126 
2018-03-01
1.0
26
26
 77,429 
 52,781 
2017-03-01
1.5455
34
22
 351,975 
 27,011 
2016-12-01
0.4545
5
11
 25,408 
 56,736 
2016-06-01
7.0
7
1
 6,635 
 354.00 
2016-03-01
0.7391
17
23
 77,305 
 54,710 
2015-12-01
0.2
2
10
 25,482 
 56,064 
2015-09-01
0.5
1
2
 1,661 
 1,250 
2015-06-01
1.1667
7
6
 4,197 
 15,709 
2015-03-01
1.4
21
15
 62,759 
 49,213 
2014-09-01
0.7778
14
18
 51,895 
 94,451 
2014-03-01
1.3529
23
17
 92,850 
 105,678 
2013-12-01
0.25
3
12
 53,247 
 112,333 
2013-09-01
1.1429
8
7
 7,156 
 6,349 
2013-06-01
0.375
3
8
 15,271 
 36,105 
2013-03-01
1.5
21
14
 110,299 
 56,674 
2012-12-01
0.3333
8
24
 54,473 
 124,194 
2012-09-01
0.3333
3
9
 10,955 
 52,988 
2012-06-01
4.0
4
1
 5,867 
 2,000 
2012-03-01
0.6923
18
26
 121,428 
 71,265 
2011-12-01
0.3333
2
6
 4,324 
 12,076 
2011-09-01
0.5
1
2
 6,208 
 12,416 
2011-06-01
0.875
7
8
 13,849 
 50,340 
2011-03-01
1.125
18
16
 111,122 
 66,490 
2010-06-01
4.0
4
1
 8,796 
 10,000 
2010-03-01
0.7692
10
13
 203,090 
 217,308 
2009-12-01
0.5
2
4
 24,896 
 44,617 
2009-09-01
0.7273
16
22
 191,446 
 456,094 
2009-06-01
0.3333
1
3
 10,000 
 38,873 
2009-03-01
0.3889
7
18
 192,347 
 170,292 
2008-12-01
0.3333
1
3
 10,000 
 57,000 
2008-09-01
1.0
5
5
 12,017 
 17,000 
2008-03-01
0.3
3
10
 2,150 
 14,027 
2007-12-01
0.5
3
6
 42,820 
 18,016 
2007-03-01
1.5652
36
23
 269,231 
 141,580 
2006-12-01
0.3023
13
43
 259,839 
 14,615,351 
2006-09-01
0.5
1
2
 10,000 
 20,000 
2006-06-01
0.9375
30
32
 125,894 
 55,215,130 
2006-03-01
0.871
27
31
 278,246 
 213,098 
2005-09-01
0.625
5
8
 105,823 
 183,911 
2005-06-01
0.7037
19
27
 241,338 
 490,280 
2005-03-01
1.4857
52
35
 391,980 
 44,222,451 
2004-12-01
0.3699
27
73
 238,947 
 35,698,496 
2004-09-01
1.0
21
21
 260,037 
 461,576 
2004-06-01
0.4444
20
45
 827,342 
 65,561,765 
2004-03-01
0.5217
24
46
 294,133 
 30,265,236 
2003-12-01
0.3095
13
42
 2,327,703 
 28,101,363 
2003-09-01
0.4615
6
13
 83,492 
 20,290,000 

Bread Financial Notable Stakeholders

A Bread Financial stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Bread Financial often face trade-offs trying to please all of them. Bread Financial's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Bread Financial's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Ralph AndrettaPresident, Chief Executive Officer, DirectorProfile
Perry BebermanChief Financial Officer, Vice PresidentProfile
Allegra DriscollExecutive CTOProfile
Matt BrownSenior CTOProfile
Rajesh NatarajanIndependent DirectorProfile
Sharen TurneyIndependent DirectorProfile
Wes HuntSenior ExcellenceProfile
Greg BetchkalChief OfficerProfile
Mike BoghosianSenior OfficerProfile
Robert EsqueSenior OfficerProfile
Jonathan CampbellSenior OfficerProfile
Brandy SullivanChief VPProfile
Dashon WillifordSenior ExperienceProfile
Laurie TuckerIndependent DirectorProfile
John ChesnutSenior Vice President TreasurerProfile
Shannon AndrickSenior StrategyProfile
Brian VerebHead RelationsProfile
Timothy TheriaultIndependent DirectorProfile
Tammy McConnaugheyExecutive Vice President Operations and Credit Risk, Card ServicesProfile
John GerspachIndependent DirectorProfile
Joseph IIIChief VPProfile
Charles HornExecutive Vice President Senior AdvisorProfile
J CampbellSenior Vice President Chief Accounting OfficerProfile
Joseph MotesExecutive Vice President Chief Administrative Officer, General Counsel, SecretaryProfile
Roger BallouNon-Executive Independent Chairman of the BoardProfile
Valerie GreerExecutive Vice President Chief Commercial Officer, Card ServicesProfile

About Bread Financial Management Performance

The success or failure of an entity such as Bread Financial Holdings often depends on how effective the management is. Bread Financial management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Bread management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Bread management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.02 
Return On Capital Employed 0.03  0.03 
Return On Assets 0.01  0.02 
Return On Equity 0.09  0.09 

Bread Financial Workforce Analysis

Traditionally, organizations such as Bread Financial use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Bread Financial within its industry.

Bread Financial Manpower Efficiency

Return on Bread Financial Manpower

Revenue Per Employee639.7K
Revenue Per Executive147.6M
Net Income Per Employee46.2K
Net Income Per Executive10.7M

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When running Bread Financial's price analysis, check to measure Bread Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Bread Financial is operating at the current time. Most of Bread Financial's value examination focuses on studying past and present price action to predict the probability of Bread Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Bread Financial's price. Additionally, you may evaluate how the addition of Bread Financial to your portfolios can decrease your overall portfolio volatility.
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