Bread Financial Holdings, Inc.
Ownership
Ownership Structure
Who owns Bread Financial Holdings, Inc. (BFH)? This page shows the largest institutions and funds, the ownership structure and the latest insider transactions. 98.2% of the shares are freely tradable; institutional investors hold 112.3%.
Largest Shareholders
Institutions
| Name | Stake (%) | Shares | Change (%) | Date |
|---|---|---|---|---|
| BlackRock Inc | 11.00 | 4,224,700 | -6.4 | 03/31/2026 |
| Dimensional Fund Advisors, Inc. | 8.05 | 3,092,208 | +0.2 | 06/30/2026 |
| Vanguard Portfolio Management, LLC | 7.17 | 2,756,336 | +0.0 | 03/31/2026 |
| Turtle Creek Asset Management Inc. | 6.33 | 2,431,102 | -4.7 | 03/31/2026 |
| Vanguard Capital Management, LLC | 4.87 | 1,869,385 | +0.0 | 03/31/2026 |
| American Century Companies Inc | 4.66 | 1,791,190 | +9.8 | 06/30/2026 |
| Allianz Asset Management AG | 4.66 | 1,788,468 | +32.8 | 06/30/2026 |
| State Street Corp | 4.59 | 1,764,783 | -2.9 | 03/31/2026 |
Funds
| Name | Stake (%) | Shares | Change (%) | Date |
|---|---|---|---|---|
| iShares Core S&P Small-Cap ETF | 6.40 | 2,459,049 | +0.0 | 08/31/2026 |
| Avantis US Small Cap Value ETF | 3.27 | 1,258,030 | +0.1 | 08/31/2026 |
Largest reported positions according to regulatory filings; stake as a percentage of shares outstanding, change versus the previous filing. Source: fundamentals data.
Insider holdings
| Person | Role | Shares | Value | As of | Type |
|---|---|---|---|---|---|
| Gerspach John C | Director | 49,574 | 5,363,907 $ | Jul 15, 2026 | direct |
| McCarthy Dennis James | EVP, Chief Revenue Officer | 29,546 | 3,196,877 $ | Sep 14, 2026 | direct |
| Lakhwara Praniti | Director | 4,458 | 482,356 $ | Jul 28, 2026 | direct |
Holdings as of each person's most recent SEC Form 4 filing — excluding options and RSUs, which are not shares yet. Holdings may have changed between two filings.
Insiders
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Sep 14, 2026 | McCarthy Dennis James | EVP, Chief Revenue Officer | Buy | 16 | 108.14 | 1,730 |
| Jul 28, 2026 | Lakhwara Praniti | Director | Sell | 2,802 | 106.12 | 297,348 |
| Jul 15, 2026 | Gerspach John C | Director | Other | 730 | – | – |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character. View all insider transactions →
Data as of: September 17, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.