Bread Financial Holdings (BFH)
Bread Financial Holdings on one page: short interest, daily short volume, fails to deliver, planned sales, large holders, 13F holders, financials, earnings dates and insider trades. Listed on NYSE, classified by the SEC as personal credit institutions.
3.2M
Short interest
settlement 2026-09-30
4.8
Days to cover
-0.8 days vs prior
67.3%
Short share of volume
2026-10-23
2,878
Fails to deliver
settlement 2026-09-24
Thu 28 Jan
Next earnings
estimated date
-$296K
Insider flow, 90 days
1 buys, 1 sells
As of 2026-10-23.
Short interest
FINRA, twice a month. The newest 48 settlements in the table, 48 in the chart. JSONAs of 30 September 2026, short interest in BFH is 3,237,726 shares, up 145,121 shares over the last month. Over the last 48 readings it ranged from 1,680,589 shares (31 January 2025) to 5,398,731 shares (14 November 2025). At the reported average volume of 676K shares a day that is 4.8 days to cover.
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| Settlement | Shares short | Change | Avg daily volume | Days to cover |
|---|---|---|---|---|
| 2026-09-30 | 3,237,726 | +16.1% | 675,511 | 4.79 |
| 2026-09-15 | 2,788,626 | -9.8% | 500,738 | 5.57 |
| 2026-08-31 | 3,092,605 | +14.6% | 414,888 | 7.45 |
| 2026-08-14 | 2,698,580 | -2.2% | 382,850 | 7.05 |
| 2026-07-31 | 2,758,377 | -4.8% | 740,146 | 3.73 |
| 2026-07-15 | 2,897,085 | +3.0% | 661,236 | 4.38 |
| 2026-06-30 | 2,811,844 | -20.5% | 824,270 | 3.41 |
| 2026-06-15 | 3,535,462 | -3.0% | 769,814 | 4.59 |
| 2026-05-29 | 3,646,847 | +9.3% | 649,853 | 5.61 |
| 2026-05-15 | 3,335,026 | -2.5% | 505,395 | 6.60 |
| 2026-04-30 | 3,422,329 | -1.3% | 803,410 | 4.26 |
| 2026-04-15 | 3,467,192 | -6.6% | 627,552 | 5.52 |
| 2026-03-31 | 3,711,574 | -1.6% | 679,890 | 5.46 |
| 2026-03-13 | 3,774,008 | -5.0% | 589,326 | 6.40 |
| 2026-02-27 | 3,973,636 | -5.6% | 862,616 | 4.61 |
| 2026-02-13 | 4,210,701 | -1.9% | 904,060 | 4.66 |
| 2026-01-30 | 4,293,650 | -7.5% | 956,191 | 4.49 |
| 2026-01-15 | 4,644,247 | +8.0% | 1,139,889 | 4.07 |
| 2025-12-31 | 4,301,514 | -17.2% | 668,189 | 6.44 |
| 2025-12-15 | 5,195,900 | -2.9% | 773,647 | 6.72 |
| 2025-11-28 | 5,348,360 | -0.9% | 795,511 | 6.72 |
| 2025-11-14 | 5,398,731 | +2.4% | 658,032 | 8.20 |
| 2025-10-31 | 5,271,461 | +2.2% | 903,914 | 5.83 |
| 2025-10-15 | 5,155,918 | +5.6% | 712,252 | 7.24 |
| 2025-09-30 | 4,881,788 | +10.5% | 778,647 | 6.27 |
| 2025-09-15 | 4,419,443 | +0.7% | 479,671 | 9.21 |
| 2025-08-29 | 4,387,110 | +1.0% | 552,335 | 7.94 |
| 2025-08-15 | 4,343,232 | +4.5% | 545,214 | 7.97 |
| 2025-07-31 | 4,155,487 | +7.2% | 768,502 | 5.41 |
| 2025-07-15 | 3,875,524 | -0.5% | 603,117 | 6.43 |
| 2025-06-30 | 3,896,589 | -1.1% | 816,360 | 4.77 |
| 2025-06-13 | 3,938,999 | +3.7% | 742,642 | 5.30 |
| 2025-05-30 | 3,798,411 | -10.2% | 587,135 | 6.47 |
| 2025-05-15 | 4,230,847 | +13.4% | 797,354 | 5.31 |
| 2025-04-30 | 3,731,309 | +18.8% | 1,132,367 | 3.30 |
| 2025-04-15 | 3,141,623 | -24.6% | 1,643,758 | 1.91 |
| 2025-03-31 | 4,164,033 | +7.4% | 945,953 | 4.40 |
| 2025-03-14 | 3,877,880 | +3.6% | 1,227,702 | 3.16 |
| 2025-02-28 | 3,743,507 | +77.7% | 766,771 | 4.88 |
| 2025-02-14 | 2,106,648 | +25.4% | 683,454 | 3.08 |
| 2025-01-31 | 1,680,589 | -10.3% | 666,609 | 2.52 |
| 2025-01-15 | 1,873,086 | +6.8% | 541,281 | 3.46 |
| 2024-12-31 | 1,752,988 | -20.9% | 630,015 | 2.78 |
| 2024-12-13 | 2,214,828 | -22.9% | 760,235 | 2.91 |
| 2024-11-29 | 2,874,388 | -8.5% | 583,253 | 4.93 |
| 2024-11-15 | 3,142,473 | -7.1% | 919,046 | 3.42 |
| 2024-10-31 | 3,381,854 | -16.8% | 708,429 | 4.77 |
| 2024-10-15 | 4,065,794 | +4.9% | 571,197 | 7.12 |
Daily short volume
FINRA Reg SHO, the last 30 sessions. JSONAs of 23 October 2026, the short share of BFH volume is 67.3%, down 5.6 points over the last five sessions. Over the last 30 readings it ranged from 51.5% (1 October 2026) to 87.5% (22 September 2026). The latest reading is 8.6 points below the 30-session average of 75.9%, on 244K shares reported.
| Date | Short volume | Total volume | Short share | Exempt |
|---|---|---|---|---|
| 2026-10-23 | 164K | 244K | 67.3% | 190 |
| 2026-10-22 | 364K | 456K | 79.7% | 0 |
| 2026-10-21 | 271K | 333K | 81.2% | 0 |
| 2026-10-20 | 183K | 224K | 81.7% | 778 |
| 2026-10-19 | 117K | 159K | 73.8% | 5 |
| 2026-10-16 | 112K | 153K | 72.9% | 335 |
| 2026-10-15 | 148K | 190K | 77.8% | 65 |
| 2026-10-14 | 133K | 182K | 73.2% | 1,200 |
| 2026-10-13 | 101K | 154K | 65.7% | 4 |
| 2026-10-12 | 146K | 179K | 81.8% | 6 |
| 2026-10-09 | 157K | 196K | 80.3% | 0 |
| 2026-10-08 | 186K | 227K | 82.3% | 0 |
| 2026-10-07 | 172K | 199K | 86.1% | 37 |
| 2026-10-06 | 165K | 213K | 77.6% | 0 |
| 2026-10-05 | 115K | 150K | 76.5% | 0 |
| 2026-10-02 | 174K | 213K | 82.0% | 0 |
| 2026-10-01 | 163K | 316K | 51.5% | 1,105 |
| 2026-09-30 | 128K | 163K | 78.2% | 30 |
| 2026-09-29 | 49K | 84K | 58.6% | 0 |
| 2026-09-28 | 74K | 103K | 71.5% | 343 |
| 2026-09-25 | 91K | 176K | 51.9% | 0 |
| 2026-09-24 | 253K | 376K | 67.3% | 40 |
| 2026-09-23 | 334K | 391K | 85.4% | 0 |
| 2026-09-22 | 211K | 241K | 87.5% | 161 |
| 2026-09-21 | 92K | 111K | 82.7% | 0 |
| 2026-09-18 | 112K | 130K | 86.2% | 0 |
| 2026-09-17 | 97K | 123K | 78.4% | 2,680 |
| 2026-09-16 | 162K | 221K | 73.1% | 53 |
| 2026-09-15 | 164K | 201K | 81.6% | 0 |
| 2026-09-14 | 143K | 171K | 83.4% | 0 |
Fails to deliver
SEC, the last 30 settlement dates with a fail. JSONAs of 24 September 2026, the fails-to-deliver balance in BFH is 2,878 shares, up 2,860 shares over the last settlement date. Over the last 30 readings it ranged from 1 share (26 May 2026) to 90,518 shares (24 April 2026). The latest reading sits at the bottom of that range.
| Settlement | Shares failed | Price | Value |
|---|---|---|---|
| 2026-09-24 | 2,878 | $99.19 | $285K |
| 2026-09-10 | 18 | $107.40 | $2K |
| 2026-08-28 | 2,764 | $108.03 | $299K |
| 2026-08-06 | 1,032 | $112.34 | $116K |
| 2026-07-23 | 212 | $101.87 | $22K |
| 2026-07-22 | 524 | $101.68 | $53K |
| 2026-07-20 | 1,255 | $99.31 | $125K |
| 2026-07-01 | 2,997 | $108.35 | $325K |
| 2026-06-30 | 14,615 | $108.73 | $1.6M |
| 2026-06-26 | 10,580 | $104.96 | $1.1M |
| 2026-06-25 | 10,580 | $104.91 | $1.1M |
| 2026-06-23 | 3,485 | $103.68 | $361K |
| 2026-06-18 | 1,110 | $101.43 | $113K |
| 2026-06-15 | 856 | $101.71 | $87K |
| 2026-06-01 | 3,797 | $89.07 | $338K |
| 2026-05-26 | 1 | $86.60 | $87 |
| 2026-05-22 | 342 | $85.78 | $29K |
| 2026-05-18 | 100 | $86.76 | $9K |
| 2026-04-24 | 90,518 | $92.12 | $8.3M |
| 2026-04-21 | 18 | $91.75 | $2K |
| 2026-03-16 | 15,226 | $71.53 | $1.1M |
| 2026-03-12 | 29,679 | $74.09 | $2.2M |
| 2026-03-03 | 153 | $71.99 | $11K |
| 2026-02-20 | 950 | $75.01 | $71K |
| 2026-02-19 | 58 | $74.43 | $4K |
| 2026-02-11 | 1,169 | $77.11 | $90K |
| 2026-02-05 | 83 | $76.50 | $6K |
| 2026-02-02 | 11,908 | $72.54 | $864K |
| 2026-01-30 | 56 | $73.03 | $4K |
| 2026-01-29 | 3,997 | $68.20 | $273K |
Insider trades
SEC Form 4, newest first. JSONOver the last 90 days BFH insiders reported 1 open-market buy ($2K) against 1 sell ($297K), so the dollar flow leans toward selling. Latest filing: Gerspach John C (Director) on 2026-10-15.
| Date | Insider | Title | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|---|
| 2026-10-15 | Gerspach John C | Director | Grant | 704 | price not stated in the filing | not stated | 50K |
| 2026-09-14 | McCarthy Dennis James | EVP, Chief Revenue Officer | Buy | 16 | $108.14 | $2K | 30K |
| 2026-07-28 | Lakhwara Praniti | Director | Sell | 3K | $106.12 | $297K | 4K |
| 2026-07-15 | Gerspach John C | Director | Grant | 730 | price not stated in the filing | not stated | 50K |
| 2026-06-15 | Tucker Laurie Anne | Director | Grant | 2K | price not stated in the filing | not stated | 35K |
| 2026-06-15 | Gerspach John C | Director | Grant | 2K | price not stated in the filing | not stated | 49K |
| 2026-06-15 | TURNEY SHAREN J | Director | Grant | 2K | price not stated in the filing | not stated | 23K |
| 2026-06-15 | THERIAULT TIMOTHY J | Director | Grant | 2K | price not stated in the filing | not stated | 27K |
| 2026-06-15 | Fawcett John J. | Director | Grant | 2K | price not stated in the filing | not stated | 13K |
| 2026-06-15 | St Clair Joyce | Director | Grant | 2K | price not stated in the filing | not stated | 11K |
| 2026-06-15 | Natarajan Rajesh | Director | Grant | 2K | price not stated in the filing | not stated | 21K |
| 2026-06-15 | Lakhwara Praniti | Director | Grant | 2K | price not stated in the filing | not stated | 7K |
| 2026-05-29 | Andretta Ralph J | President and CEO | Sell | 1K | $89.57 | $90K | 582K |
| 2026-05-29 | Andretta Ralph J | President and CEO | Sell | 13K | $89.17 | $1.1M | 583K |
| 2026-05-29 | Andretta Ralph J | President and CEO | Sell | 2K | $88.23 | $132K | 596K |
| 2026-05-21 | Fawcett John J. | Director | Buy | 698 | $86.43 | $60K | 11K |
| 2026-04-24 | BALLOU ROGER H | Director | Sell | 10K | $90.32 | $875K | 30K |
| 2026-04-15 | Gerspach John C | Director | Grant | 483 | price not stated in the filing | not stated | 47K |
| 2026-02-19 | BALLOU ROGER H | Director | Gift | 1K | $0.00 | $0 | 40K |
| 2026-02-18 | McConnaughey Tammy M | EVP, Operations & Credit Risk | Tax withholding | 2K | $73.74 | $118K | 123K |
| 2026-02-18 | Driscoll Allegra S | EVP, Chief Technology Officer | Tax withholding | 3K | $73.74 | $189K | 60K |
| 2026-02-18 | Campbell Jonathan Bryan | SVP, Chief Accounting Officer | Tax withholding | 1K | $73.74 | $97K | 37K |
| 2026-02-18 | Beberman Perry S | EVP, Chief Financial Officer | Tax withholding | 2K | $73.74 | $149K | 122K |
| 2026-02-18 | Greer Valerie E | EVP, Chief Commercial Officer | Tax withholding | 2K | $73.74 | $148K | 155K |
| 2026-02-18 | Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | Tax withholding | 1K | $73.74 | $108K | 130K |
| 2026-02-18 | Andretta Ralph J | President and CEO | Tax withholding | 5K | $73.74 | $393K | 597K |
| 2026-02-18 | Driscoll Allegra S | EVP, Chief Technology Officer | Tax withholding | 2K | $73.74 | $129K | 61K |
| 2026-02-17 | McConnaughey Tammy M | EVP, Operations & Credit Risk | Tax withholding | 18K | $73.05 | $1.3M | 125K |
| 2026-02-17 | McConnaughey Tammy M | EVP, Operations & Credit Risk | Grant | 8K | price not stated in the filing | not stated | 127K |
| 2026-02-17 | McConnaughey Tammy M | EVP, Operations & Credit Risk | Grant | 12K | price not stated in the filing | not stated | 139K |
| 2026-02-17 | McConnaughey Tammy M | EVP, Operations & Credit Risk | Grant | 4K | price not stated in the filing | not stated | 143K |
| 2026-02-17 | Driscoll Allegra S | EVP, Chief Technology Officer | Grant | 11K | price not stated in the filing | not stated | 65K |
| 2026-02-17 | Driscoll Allegra S | EVP, Chief Technology Officer | Tax withholding | 3K | $73.05 | $204K | 63K |
| 2026-02-17 | Driscoll Allegra S | EVP, Chief Technology Officer | Grant | 7K | price not stated in the filing | not stated | 55K |
| 2026-02-17 | Campbell Jonathan Bryan | SVP, Chief Accounting Officer | Tax withholding | 3K | $73.05 | $216K | 38K |
| 2026-02-17 | Campbell Jonathan Bryan | SVP, Chief Accounting Officer | Grant | 5K | price not stated in the filing | not stated | 41K |
| 2026-02-17 | Beberman Perry S | EVP, Chief Financial Officer | Grant | 16K | price not stated in the filing | not stated | 161K |
| 2026-02-17 | Beberman Perry S | EVP, Chief Financial Officer | Grant | 11K | price not stated in the filing | not stated | 145K |
| 2026-02-17 | Beberman Perry S | EVP, Chief Financial Officer | Tax withholding | 43K | $73.05 | $3.1M | 124K |
| 2026-02-17 | Beberman Perry S | EVP, Chief Financial Officer | Grant | 6K | price not stated in the filing | not stated | 167K |
| 2026-02-17 | Greer Valerie E | EVP, Chief Commercial Officer | Grant | 6K | price not stated in the filing | not stated | 181K |
| 2026-02-17 | Greer Valerie E | EVP, Chief Commercial Officer | Tax withholding | 24K | $73.05 | $1.7M | 157K |
| 2026-02-17 | Greer Valerie E | EVP, Chief Commercial Officer | Grant | 14K | price not stated in the filing | not stated | 176K |
| 2026-02-17 | Greer Valerie E | EVP, Chief Commercial Officer | Grant | 9K | price not stated in the filing | not stated | 161K |
| 2026-02-17 | Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | Grant | 4K | price not stated in the filing | not stated | 148K |
| 2026-02-17 | Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | Tax withholding | 17K | $73.05 | $1.2M | 131K |
| 2026-02-17 | Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | Grant | 12K | price not stated in the filing | not stated | 144K |
| 2026-02-17 | Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | Grant | 8K | price not stated in the filing | not stated | 132K |
| 2026-02-17 | Andretta Ralph J | President and CEO | Grant | 19K | price not stated in the filing | not stated | 659K |
| 2026-02-17 | Andretta Ralph J | President and CEO | Grant | 42K | price not stated in the filing | not stated | 577K |
| 2026-02-17 | Andretta Ralph J | President and CEO | Tax withholding | 57K | $73.05 | $4.2M | 603K |
| 2026-02-17 | Andretta Ralph J | President and CEO | Grant | 63K | price not stated in the filing | not stated | 640K |
| 2026-02-17 | Campbell Jonathan Bryan | SVP, Chief Accounting Officer | Grant | 2K | price not stated in the filing | not stated | 39K |
| 2026-02-17 | Beberman Perry S | EVP, Chief Financial Officer | Tax withholding | 23K | $73.05 | $1.6M | 142K |
| 2026-01-15 | Gerspach John C | Director | Grant | 499 | price not stated in the filing | not stated | 47K |
| 2025-12-11 | Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | Tax withholding | 346 | $73.62 | $25K | 124K |
| 2025-12-11 | Greer Valerie E | EVP, Chief Commercial Officer | Tax withholding | 1K | $73.62 | $92K | 152K |
| 2025-12-11 | Andretta Ralph J | President and CEO | Tax withholding | 4K | $73.62 | $303K | 535K |
| 2025-10-15 | Gerspach John C | Director | Grant | 670 | price not stated in the filing | not stated | 46K |
| 2025-07-30 | Fawcett John J. | Director | Buy | 100 | $61.80 | $6K | 10K |
| 2025-07-30 | Fawcett John J. | Director | Buy | 927 | $61.79 | $57K | 10K |
| 2025-07-15 | Gerspach John C | Director | Grant | 671 | price not stated in the filing | not stated | 46K |
| 2025-06-16 | TURNEY SHAREN J | Director | Grant | 3K | price not stated in the filing | not stated | 22K |
| 2025-06-16 | Tucker Laurie Anne | Director | Grant | 3K | price not stated in the filing | not stated | 34K |
| 2025-06-16 | THERIAULT TIMOTHY J | Director | Grant | 3K | price not stated in the filing | not stated | 26K |
| 2025-06-16 | St Clair Joyce | Director | Grant | 3K | price not stated in the filing | not stated | 10K |
| 2025-06-16 | Natarajan Rajesh | Director | Grant | 3K | price not stated in the filing | not stated | 20K |
| 2025-06-16 | Lakhwara Praniti | Director | Grant | 3K | price not stated in the filing | not stated | 6K |
| 2025-06-16 | Gerspach John C | Director | Grant | 3K | price not stated in the filing | not stated | 45K |
| 2025-06-16 | Fawcett John J. | Director | Grant | 3K | price not stated in the filing | not stated | 9K |
| 2025-06-16 | BALLOU ROGER H | Director | Grant | 3K | price not stated in the filing | not stated | 41K |
| 2025-04-15 | Gerspach John C | Director | Grant | 842 | price not stated in the filing | not stated | 42K |
| 2025-02-18 | Andretta Ralph J | President and CEO | Grant | 68K | price not stated in the filing | not stated | 576K |
| 2025-02-18 | Andretta Ralph J | President and CEO | Grant | 45K | price not stated in the filing | not stated | 508K |
| 2025-02-18 | Andretta Ralph J | President and CEO | Tax withholding | 45K | $62.10 | $2.8M | 539K |
| 2025-02-18 | Andretta Ralph J | President and CEO | Grant | 8K | price not stated in the filing | not stated | 584K |
| 2025-02-18 | Beberman Perry S | EVP, Chief Financial Officer | Grant | 3K | price not stated in the filing | not stated | 152K |
| 2025-02-18 | Beberman Perry S | EVP, Chief Financial Officer | Tax withholding | 17K | $62.10 | $1.1M | 135K |
| 2025-02-18 | Beberman Perry S | EVP, Chief Financial Officer | Grant | 12K | price not stated in the filing | not stated | 132K |
| 2025-02-18 | Beberman Perry S | EVP, Chief Financial Officer | Grant | 17K | price not stated in the filing | not stated | 149K |
| 2025-02-18 | Campbell Jonathan Bryan | SVP, Chief Accounting Officer | Grant | 8K | price not stated in the filing | not stated | 40K |
| 2025-02-18 | Campbell Jonathan Bryan | SVP, Chief Accounting Officer | Tax withholding | 4K | $62.10 | $244K | 36K |
| 2025-02-18 | Driscoll Allegra S | EVP, Chief Technology Officer | Grant | 12K | price not stated in the filing | not stated | 50K |
| 2025-02-18 | Driscoll Allegra S | EVP, Chief Technology Officer | Grant | 8K | price not stated in the filing | not stated | 39K |
| 2025-02-18 | Driscoll Allegra S | EVP, Chief Technology Officer | Tax withholding | 3K | $62.10 | $173K | 48K |
| 2025-02-18 | Greer Valerie E | EVP, Chief Commercial Officer | Tax withholding | 15K | $62.10 | $927K | 153K |
| 2025-02-18 | Greer Valerie E | EVP, Chief Commercial Officer | Grant | 2K | price not stated in the filing | not stated | 168K |
| 2025-02-18 | Greer Valerie E | EVP, Chief Commercial Officer | Grant | 17K | price not stated in the filing | not stated | 166K |
| 2025-02-18 | Greer Valerie E | EVP, Chief Commercial Officer | Grant | 12K | price not stated in the filing | not stated | 149K |
| 2025-02-18 | McConnaughey Tammy M | EVP, Operations & Credit Risk | Tax withholding | 13K | $62.10 | $776K | 119K |
| 2025-02-18 | McConnaughey Tammy M | EVP, Operations & Credit Risk | Grant | 8K | price not stated in the filing | not stated | 117K |
| 2025-02-18 | McConnaughey Tammy M | EVP, Operations & Credit Risk | Grant | 13K | price not stated in the filing | not stated | 130K |
| 2025-02-18 | McConnaughey Tammy M | EVP, Operations & Credit Risk | Grant | 2K | price not stated in the filing | not stated | 132K |
| 2025-02-18 | Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | Grant | 14K | price not stated in the filing | not stated | 134K |
| 2025-02-18 | Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | Grant | 2K | price not stated in the filing | not stated | 136K |
| 2025-02-18 | Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | Tax withholding | 12K | $62.10 | $741K | 124K |
| 2025-02-18 | Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | Grant | 9K | price not stated in the filing | not stated | 120K |
| 2025-01-15 | Gerspach John C | Director | Grant | 604 | price not stated in the filing | not stated | 41K |
| 2025-01-08 | Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | Tax withholding | 557 | $62.87 | $35K | 111K |
| 2024-10-28 | Fawcett John J. | Director | Buy | 1K | $51.02 | $51K | 6K |
Form 4 filings are due within two business days of the trade. Insiders sell for many reasons that say nothing about the company; open-market buys are rarer.
Planned sales (Form 144)
Newest first. JSON4 Form 144 notices on file for BFH worth $4.0M at the prices reported; 1 in the last 90 days worth $297K. Latest: Lakhwara Praniti filed on 2026-07-28 to sell 2,802 shares ($297K) from 2026-07-28.
| Filed | Seller | Shares | Market value | Of outstanding | Sale from | Broker |
|---|---|---|---|---|---|---|
| 2026-07-28 | Lakhwara PranitiDirector | 3K | $297K | 0.007% | 2026-07-28 | Fidelity Brokerage Services LLC |
| 2026-05-29 | RALPH ANDRETTADirector, Officer | 15K | $1.3M | 0.037% | 2026-05-29 | Morgan Stanley Smith Barney LLC Executive Financial Services |
| 2026-05-21 | BALLOU ROGER HDirector | 18K | $1.5M | 0.045% | 2026-05-21 | Fidelity Brokerage Services LLC |
| 2026-04-24 | BALLOU ROGER HDirector | 10K | $875K | 0.022% | 2026-04-24 | Fidelity Brokerage Services LLC |
Large holders (13D and 13G)
One row per reporting person with its latest filing, newest first. JSON3 holders report 5% or more of BFH in their latest filing, all on Schedule 13G (passive). The largest reported stake is Dimensional Fund Advisors LP at 7.2% of the class (3,086,060 shares), filed 2026-04-09 for an event on 2026-03-31.
| Filed | Form | Holder | Shares | Of class | Event |
|---|---|---|---|---|---|
| 2026-08-14 | 13G/Ano. 6 | Turtle Creek Asset Management Inc.non-US institution | 1.3M | 3.2% | 2026-06-30 |
| 2026-04-29 | 13G | Vanguard Portfolio Managementinvestment adviser | 2.8M | 6.5% | 2026-03-31 |
| 2026-04-29 | 13G | Vanguard Capital Managementinvestment adviser | 2.2M | 5.1% | 2026-03-31 |
| 2026-04-09 | 13G/Ano. 1 | Dimensional Fund Advisors LPinvestment adviser | 3.1M | 7.2% | 2026-03-31 |
| 2026-03-26 | 13G/Ano. 16 | The Vanguard Groupinvestment adviser | 0 | 0.0% | 2026-03-13 |
13F holders
Tracked managers holding BFH at their latest 13F. JSON4 of the 30 tracked managers held BFH at their latest 13F, $72.3M in total at quarter-end prices. Millennium Management is the largest at $33.1M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 1 added shares and 3 cut.
| Fund | Quarter | Shares | Value | Of portfolio | Change in shares |
|---|---|---|---|---|---|
| Millennium Management | 2026-06-30 | 305K | $33.1M | 0.01% | +125K |
| AQR Capital Management | 2026-06-30 | 184K | $20.0M | 0.01% | -3K |
| Two Sigma Investments | 2026-06-30 | 107K | $11.6M | 0.01% | -31K |
| D. E. Shaw & Co. | 2026-06-30 | 71K | $7.7M | 0.00% | -54K |
Only the 30 tracked managers on the funds hub; a 13F reports long positions in US listed stock at quarter end, 45 days late, and says nothing about shorts or positions sold since.
Financials
SEC XBRL, as filed. JSONIn FY 2025 it generated $2.09B of operating cash flow and spent $313.0M on buybacks and $40.0M on dividends.
- Cash
- $3.68B
- Equity
- $3.37B
- Total assets
- $22.45B
- Shares outstanding
- 38,419,268
Quarterly, last 8 quarters
| Quarter | Period end | Revenue | Net income | Margin | Diluted EPS |
|---|---|---|---|---|---|
| Q2 FY 2026 | 2026-06-30 | n/a | $146.0M | n/a | 3.55 |
| Q1 FY 2026 | 2026-03-31 | n/a | $181.0M | n/a | 4.15 |
| Q4 FY 2025derived | 2025-12-31 | n/a | $53.0M | n/a | n/a |
| Q3 FY 2025 | 2025-09-30 | n/a | $188.0M | n/a | 3.96 |
| Q2 FY 2025 | 2025-06-30 | n/a | $139.0M | n/a | 2.94 |
| Q1 FY 2025 | 2025-03-31 | n/a | $138.0M | n/a | 2.78 |
| Q4 FY 2024derived | 2024-12-31 | n/a | $8.0M | n/a | n/a |
| Q3 FY 2024 | 2024-09-30 | n/a | $2.0M | n/a | 0.05 |
Fiscal years, with buybacks and dividends
| Fiscal year | Ends | Revenue | Net income | Operating cash flow | Capex | Buybacks | Dividends |
|---|---|---|---|---|---|---|---|
| FY 2025 | 2025-12-31 | n/a | $518.0M | $2.09B | n/a | $313.0M | $40.0M |
| FY 2024 | 2024-12-31 | n/a | $277.0M | $1.86B | n/a | $55.0M | $43.0M |
| FY 2023 | 2023-12-31 | n/a | $718.0M | $1.99B | n/a | $35.0M | $42.0M |
| FY 2022 | 2022-12-31 | n/a | $223.0M | $1.85B | $68.0M | $12.0M | $43.0M |
| FY 2021 | 2021-12-31 | n/a | $801.0M | $1.54B | $84.0M | $0 | $42.0M |
Quarters are the three-month figures the company reports; a fourth quarter marked derived is the fiscal year less the three reported quarters, since companies report it only inside the 10-K. Fiscal years are the annual figures. Buybacks are the cash the company paid to repurchase its common stock in the year, not the amount authorized. Balance sheet lines are as of 2026-06-30; shares outstanding as of 2026-07-22 from the cover page.
What this page is
Bread Financial Holdings in the regulatory record
Regulators publish company data in separate files that never sit next to each other: FINRA's twice-monthly short interest, its daily short sale volume, the SEC's fails-to-deliver counts, and each insider's Form 4. A company page puts those series for one ticker on one URL, with planned sales, large holders, 13F holders and financials beside them, so the short position, the daily flow, the settlement fails and what insiders are doing can be read together.
Each section has its own history table, a one-line summary of the latest figures and its own JSON and CSV links, and says when its source last updated.
This page follows Bread Financial Holdings (BFH), SEC CIK 1101215, listed on NYSE, classified by the SEC as personal credit institutions. The cross-market tables live on the short interest and insider transactions hubs.
Source and updates
- Short interest
- FINRA consolidated short interestSource: FINRA.Twice a month, about eight business days after settlement. Latest 2026-09-30.JSON and CSV
- Daily short volume
- FINRA Reg SHO daily filesSource: FINRA.Every trading day, the morning after FINRA posts it. Latest 2026-10-23.JSON and CSV
- Fails to deliver
- SEC fails-to-deliver dataSource: SEC.Twice a month, a few weeks after the half month ends. Latest 2026-09-24.JSON and CSV
- Planned sales
- SEC EDGAR Form 144Source: SEC.New notices appear shortly after the SEC posts them; a notice is filed on or before the sale. Latest 2026-07-28.JSON and CSV
- Large holders
- SEC EDGAR Schedule 13D and 13GSource: SEC.New filings appear shortly after the SEC posts them. A 13D is due within five business days of crossing 5%; a 13G follows the passive schedule. Latest 2026-08-14.JSON and CSV
- 13F holders
- SEC EDGAR Form 13F-HRSource: SEC.Quarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
- Financials
- SEC EDGAR 10-K and 10-Q filingsSource: SEC.Weekly; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
- Earnings dates
- SEC EDGAR 8-K filings (Item 2.02)Source: SEC.Twice a day. Reported dates come from the company's 8-K filings; the next date is marked as an estimate until the 8-K arrives. Latest 2026-10-22.JSON and CSV
- Insider trades
- SEC EDGAR Form 4Source: SEC.New filings appear shortly after the SEC posts them; they're due two business days after the trade. Latest 2026-10-15.JSON and CSV
- Company record
- EDGAR filing index for CIK 1101215Ticker, name and exchange from the SEC's company list, refreshed weekly.
- Rate limits
- 10 requests a minute without a key, 30 with a free key from a free account.
How to read it
- Read the position against the flow: rising short interest with a high daily short share is new shorting; rising short interest with a normal short share is old shorts holding on.
- Insider buys next to a large short position are rare and stand out; insider sells next to one are common and mean little.
- Fails to deliver matter relative to the float, not in absolute shares; a million failed shares in a mega cap is noise.
Analysis of what the data shows, not advice. XOOMAR does not recommend buying, selling or holding anything.
Other companies the SEC classifies as personal credit institutions
Other company pages
Datasets
Frequently Asked Questions
How much of BFH is sold short?
3,237,726 shares were held short at the 2026-09-30 settlement, 4.8 days of average volume. FINRA publishes the next count about eight business days after the 15th and the last business day of the month.
What is BFH's daily short volume?
On 2026-10-23, 164,448 of the 244,444 BFH shares reported to FINRA were sold short, 67.3% of the day's reported volume. Short volume is a flow for one day, not a position.
Does BFH have fails to deliver?
The SEC's latest file shows 2,878 BFH shares failed to deliver at settlement 2026-09-24. Fails are reported per settlement date and published twice a month with a lag.
Are BFH insiders buying or selling?
Over the last 90 days BFH insiders reported 1 open-market buy ($2K) against 1 sell ($297K), so the dollar flow leans toward selling. Latest filing: Gerspach John C (Director) on 2026-10-15.
Have BFH insiders filed to sell?
4 Form 144 notices on file for BFH worth $4.0M at the prices reported; 1 in the last 90 days worth $297K. Latest: Lakhwara Praniti filed on 2026-07-28 to sell 2,802 shares ($297K) from 2026-07-28.
Who owns 5% or more of BFH?
3 holders report 5% or more of BFH in their latest filing, all on Schedule 13G (passive). The largest reported stake is Dimensional Fund Advisors LP at 7.2% of the class (3,086,060 shares), filed 2026-04-09 for an event on 2026-03-31.
What did BFH report last quarter?
In FY 2025 it generated $2.09B of operating cash flow and spent $313.0M on buybacks and $40.0M on dividends.
Which tracked 13F managers own BFH?
4 of the 30 tracked 13F managers held BFH shares at their latest filing, $72.3M in all. The largest: Izzy Englander's Millennium Management (305K shares, $33.1M), Cliff Asness's AQR Capital Management (184K shares, $20.0M), Two Sigma Investments (107K shares, $11.6M), D. E. Shaw & Co. (71K shares, $7.7M).
Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.