As of November 9, 2026, Bread Financial Holdings, Inc. is a publicly traded company (NYSE: BFH); its largest reported holder is Dimensional, with 7.2% on Schedule 13G/A of April 9, 2026, then Vanguard (6.48%). The largest insider holding is Ralph J. Andretta, the chief executive and president, with 582,241 shares (1.5% of shares outstanding), per Form 4 of June 1, 2026 (Schedule 13G/A, April 9, 2026).
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Is Bread Financial Holdings, Inc. a real, registered company?
- Bread Financial Holdings, Inc. files with the SEC under CIK 1101215 (its SEC filings).
- Its shares are listed under the ticker BFH on NYSE (also BFH-PA, BFH-PB, BDFNV) (SEC company record).
- Incorporated in Delaware; business address in Columbus, Ohio, as its SEC filings state.
- Court and bankruptcy records: see Before you sign or pay below.
Before you sign or pay
- Court and bankruptcy: No federal court case or bankruptcy filing found under BREAD FINANCIAL HOLDINGS, INC. in our court records and SEC 8-K records (as of 2026-11-09).
- Leadership changes: the latest reported is Valerie Greer, Chief Commercial Officer (Form 8-K filed 2026-07-14). Check you are dealing with the people now in charge.
- Ownership: 5%+ holders are reported on Schedule 13D or 13G; the latest names Vanguard (filed 2026-04-29).
Who are Bread Financial Holdings, Inc.'s owners and officers?
Bread Financial Holdings, Inc.: incorporated in Delaware; business address in Columbus, Ohio; industry Personal Credit Institutions (Schedule 13G/A, 2026-08-14).
| Report | Holder | Share |
|---|---|---|
| Schedule 13G/A, 2026-08-14 | Turtle Creek Asset Management Inc. | 3.2% |
| Schedule 13G, 2026-04-29 | Vanguard Portfolio Management | 6.48% |
| Schedule 13G, 2026-04-29 | Vanguard Capital Management | 5.11% |
| Schedule 13G/A, 2026-04-09 | Dimensional Fund Advisors LP | 7.2% |
| Schedule 13G/A, 2026-03-26 | The Vanguard Group | 0% |
| Schedule 13G/A, 2026-02-17 | Turtle Creek Asset Management Inc. | 5.6% |
Questions about who owns Bread Financial Holdings, Inc.
Who owns Bread Financial Holdings, Inc.?
On this page, 3 holders' latest ownership filings report 5% or more of Bread Financial Holdings, Inc.: Dimensional Fund Advisors LP (7.2%, Schedule 13G/A, filed 2026-04-09), Vanguard Portfolio Management (6.48%, Schedule 13G, filed 2026-04-29) and Vanguard Capital Management (5.11%, Schedule 13G, filed 2026-04-29).
Who are the largest shareholders of Bread Financial Holdings, Inc.?
By the share each holder's latest filing reports, the largest holders of Bread Financial Holdings, Inc. on this page are Dimensional Fund Advisors LP (7.2%), Vanguard Portfolio Management (6.48%) and Vanguard Capital Management (5.11%).
When did Dimensional Fund Advisors LP buy into Bread Financial Holdings, Inc.?
The filings give report dates, not purchase dates. The earliest filing from Dimensional Fund Advisors LP on this page is the Schedule 13G/A, filed 2026-04-09, reporting 7.2%. That earliest filing is itself an amendment, which updates an earlier report.
Is this an audit or a full list?
Neither. The ownership list on this page covers only Schedule 13D and 13G filings, which holders make once they own 5% or more of a class of shares (an amendment can report a stake that has since fallen below 5%); 6 such filings are shown here. It is not an audit and not a full cap table: holders who never reached 5% are not listed, and a stake can change after its latest filing.
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What the Full Report on Bread Financial Holdings, Inc. covers
The Short Answer
Which Company This Is
What They Do, And How The Money Works
Who Runs It, And How To Reach Them
The Money: Funding, Valuation, Runway
Who Pays Them, And Who They Are Up Against
Warning Bells
Sources
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| Filed | Person | Role | Change | Effective |
|---|---|---|---|---|
| Form 8-K, 2026-07-14 | Valerie Greer | Chief Commercial Officer | departed |
Which insiders own Bread Financial Holdings, Inc. shares?
Directors, officers and holders of 10% or more report their shares on Forms 3, 4 and 5. Each line is the latest such report, largest holding first.
- , the chief executive and president: 582,241 shares (1.5% of shares outstanding) (Form 4, 2026-06-01).
- , the executive vice president and chief commercial officer: 155,352 shares (0.41% of shares outstanding) (Form 4, 2026-02-19).
- , the chief financial officer and executive vice president: 142,061 shares (0.37% of shares outstanding) (Form 4/A, 2026-03-04).
- , the executive vice president and chief accounting officer: 129,617 shares (0.34% of shares outstanding) (Form 4, 2026-02-19).
- , the executive vice president and operations: 123,320.06 shares (0.32% of shares outstanding) (Form 4, 2026-02-19).
Shares outstanding: 37,961,242 as of 2026-10-21, from the company's latest SEC cover page.
How much has Bread Financial Holdings, Inc. raised?
No fundraising or offering filing from Bread Financial Holdings, Inc. is on file with us.
Keep reading
More on Bread Financial Holdings, Inc. and the records around it.
Bread Financial Holdings, Inc. elsewhere on the record
- Leadership changes Jul 2026
Companies that share a holder
- Turtle Creek Asset Management Inc. also filed stake reports on 6 other companies: COGENT COMMUNICATIONS HOLDINGS, INC. (Feb 2026), ENCORE CAPITAL GROUP, INC. (Feb 2026), BRP Inc. (Nov 2025)
- Dimensional Fund Advisors LP also filed stake reports on 366 other companies: Acadia Healthcare Co Inc (Oct 2026), ADT Inc (Oct 2026), AGCO Corp (Oct 2026)
- Vanguard Portfolio Management also filed stake reports on 941 other companies: Newmark Group Inc (Nov 2026), A10 Networks Inc (Oct 2026), ADT Inc (Oct 2026)
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