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.
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.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 Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Gross Profit Margin | 0.3 | 0.5088 |
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Operating Profit Margin | 0.14 | 0.0794 |
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Pretax Profit Margin | 0.1 | 0.0794 |
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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.
Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total 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 Andretta | President, Chief Executive Officer, Director | Profile | |
Perry Beberman | Chief Financial Officer, Vice President | Profile | |
Allegra Driscoll | Executive CTO | Profile | |
Matt Brown | Senior CTO | Profile | |
Rajesh Natarajan | Independent Director | Profile | |
Sharen Turney | Independent Director | Profile | |
Wes Hunt | Senior Excellence | Profile | |
Greg Betchkal | Chief Officer | Profile | |
Mike Boghosian | Senior Officer | Profile | |
Robert Esque | Senior Officer | Profile | |
Jonathan Campbell | Senior Officer | Profile | |
Brandy Sullivan | Chief VP | Profile | |
Dashon Williford | Senior Experience | Profile | |
Laurie Tucker | Independent Director | Profile | |
John Chesnut | Senior Vice President Treasurer | Profile | |
Shannon Andrick | Senior Strategy | Profile | |
Brian Vereb | Head Relations | Profile | |
Timothy Theriault | Independent Director | Profile | |
Tammy McConnaughey | Executive Vice President Operations and Credit Risk, Card Services | Profile | |
John Gerspach | Independent Director | Profile | |
Joseph III | Chief VP | Profile | |
Charles Horn | Executive Vice President Senior Advisor | Profile | |
J Campbell | Senior Vice President Chief Accounting Officer | Profile | |
Joseph Motes | Executive Vice President Chief Administrative Officer, General Counsel, Secretary | Profile | |
Roger Ballou | Non-Executive Independent Chairman of the Board | Profile | |
Valerie Greer | Executive Vice President Chief Commercial Officer, Card Services | Profile |
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 Reported | Projected 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 Employee | 639.7K | |
Revenue Per Executive | 147.6M | |
Net Income Per Employee | 46.2K | |
Net Income Per Executive | 10.7M |
Complementary Tools for Bread Stock analysis
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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