Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. (BFH) Stock Ownership
Institutional vs insider vs public ownership from 13F and float data — top holders, activity, and insider trades below.
SEC 13F · FMP · BFH · as of Sep 30, 2025
Ownership Breakdown
360
Institutional Holders
▲ 7 vs Q2
$2.71B
Total Inst. Value
▼ $56.63M vs Q2
40.41M
Shares Outstanding
freeFloat 98.44%
48.53M
13F Shares Held
▲ 166,981 vs Q2
Institutional ownership = 13F shares ÷ total outstanding. Insider % = 100 − free float. Public % = free float − institution %. Data: FMP /symbol-positions-summary + /shares-float + SEC EDGAR.
Top Institutional Holders
BFH largest shareholders · institutional ownership
Q3 2025 · SEC 13F
Showing top 10 holders
| Holder | Shares | % Owned | Weight | Value | Reported | Change |
|---|---|---|---|---|---|---|
VANGUARD GROUP INC services-business services, nec | 5.27M | 11.29% | 11.29% | $294.12B | Nov 7, 2025 | ▲ 31.0K |
BLACKROCK, INC. services-business services, nec | 4.53M | 9.70% | 9.70% | $252.74B | Nov 12, 2025 | ▲ 104.1K |
TURTLE CREEK ASSET MANAGEMENT INC. services-business services, nec | 3.28M | 7.03% | 7.03% | $183.12B | Nov 14, 2025 | ▼ 311.1K |
DIMENSIONAL FUND ADVISORS LP services-business services, nec | 3.08M | 6.59% | 6.59% | $171.56B | Nov 12, 2025 | ▲ 16.1K |
STATE STREET CORP services-business services, nec | 1.86M | 3.97% | 3.97% | $103.47B | Nov 14, 2025 | ▼ 68.1K |
FRANKLIN RESOURCES INC services-business services, nec | 1.73M | 3.71% | 3.71% | $96.51B | Nov 13, 2025 | ▲ 9.8K |
AMERICAN CENTURY COMPANIES INC services-business services, nec | 1.56M | 3.33% | 3.33% | $86.78B | Nov 12, 2025 | ▲ 65.2K |
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP services-business services, nec | 1.19M | 2.55% | 2.55% | $66.33B | Nov 13, 2025 | ▼ 43.8K |
GOLDMAN SACHS GROUP INC services-business services, nec | 1.18M | 2.52% | 2.52% | $65.54B | Nov 14, 2025 | ▲ 245.3K |
GEODE CAPITAL MANAGEMENT, LLC services-business services, nec | 1.15M | 2.45% | 2.45% | $63.89B | Nov 12, 2025 | ▲ 9.7K |
Data from SEC Form 13F filings. Ownership bar normalised to largest holder. Change flags: isNew / isSoldOut / changeInSharesNumber (FMP extract-analytics/holder).
Institutional Activity
Q3 2025 vs prior quarter
Q3 2025
25
Increased
+2.03M shares2
New Positions
first time holders22
Decreased
−1.85M shares0
Sold Out
fully exitedNet shares change (top 50)
+183.0K
+2.03M / −1.85M
Net new holders
+5
2 new / 0 exited
Based on top 50 institutional holders by position size. Fields: isNew, isSoldOut, changeInSharesNumber (FMP extract-analytics/holder, limit=50).
Insider Buying vs Selling
BFH insider trading · insider activity
Source: SEC Form 4
Insiders have been primarily selling shares recently. Selling may be driven by pre-scheduled Rule 10b5-1 plans rather than negative sentiment.
2
Buy transactions
1
Sell transactions
2.00
Buy/Sell ratio
$0M
Total disposed
Recent Insider Transactions
Showing 10 most recent · Common Stock only
| Name · Role | Date | Type | Shares | Price | Value | After Trans. | Filing |
|---|---|---|---|---|---|---|---|
Andretta Ralph J President and CEO | May 29, 2026 | Sale | 1,500 | $88.23 | $132.3K | 595.7K | Form 4 ↗ |
Andretta Ralph J President and CEO | May 29, 2026 | Sale | 12,500 | $89.17 | $1.11M | 583.2K | Form 4 ↗ |
Andretta Ralph J President and CEO | May 29, 2026 | Sale | 1,000 | $89.57 | $89.6K | 582.2K | Form 4 ↗ |
Fawcett John J. director | May 21, 2026 | Purchase | 698 | $86.43 | $60.3K | 11.0K | Form 4 ↗ |
BALLOU ROGER H director | Apr 24, 2026 | Sale | 9,687 | $90.32 | $874.9K | 30.1K | Form 4 ↗ |
Gerspach John C director | Apr 15, 2026 | Award | 483 | — | — | 47.2K | Form 4 ↗ |
Beberman Perry S EVP, Chief Financial Officer | Feb 17, 2026 | Tax Withhold | 22,516 | $73.05 | $1.64M | 142.1K | Form 4 ↗ |
Driscoll Allegra S EVP, Chief Technology Officer | Feb 18, 2026 | Tax Withhold | 1,752 | $73.74 | $129.2K | 60.8K | Form 4 ↗ |
BALLOU ROGER H director | Feb 19, 2026 | Gift | 1,351 | — | — | 39.8K | Form 4 ↗ |
Campbell Jonathan Bryan SVP, Chief Accounting Officer | Feb 17, 2026 | Award | 1,728 | — | — | 38.9K | Form 4 ↗ |
Source: /insider-trading/search (FMP stable). Buy/Sell direction: acquisitionOrDisposition A=Buy, D=Sell. RSU vesting (M-Exempt) excluded from sentiment bar. All data from SEC EDGAR public filings.
About institutional & insider ownership
Bread Financial Holdings, Inc. (BFH) is primarily owned by institutional investors, who hold approximately 100.0% of total shares outstanding. Company insiders own approximately 1.56%, while retail and public investors account for the remaining 0.00%.
The largest institutional shareholder of Bread Financial Holdings, Inc. is VANGUARD GROUP INC, holding approximately 5.27 million shares — equal to 11.29% of outstanding shares — as of September 30, 2025.
A total of 360 institutional investors currently hold BFH stock, with a combined institutional value of approximately $2.71 billion as of the most recent 13F filing period.
Frequently asked questions
BFH ownershipBread Financial Holdings, Inc. (BFH) is primarily owned by institutional investors, who hold approximately 100.0% of shares. The largest shareholder is VANGUARD GROUP INC with a 11.29% stake. Company insiders hold 1.56%. Data sourced from SEC Form 13F as of September 30, 2025.