Bread Financial Ownership | Who Owns Bread Financial?


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Bread Financial Ownership Summary


Bread Financial is owned by 51.65% institutional investors, 0.90% insiders, and 47.45% retail investors. Vanguard group is the largest institutional shareholder, holding 11.29% of BFH shares. iShares Core S&P Small-Cap ETF is the top mutual fund, with 5.96% of its assets in Bread Financial shares.

BFH Ownership Benchmark


TypeName% Inst% Insiders% Retail
StockBread Financial51.65%0.90%47.45%
SectorFinancial Services Stocks 36.95%15.48%47.58%
IndustryCredit Services Stocks45.07%10.14%44.79%
IdeaBuy Now Pay Later Stocks List41.83%11.34%46.83%

Institutional Shareholders


Top Institutional Shareholders by Total Shares

HolderShares% HoldingValue
Vanguard group5.27M11.29%$294.12M
Blackrock4.83M9.74%$215.22M
Blackrock funding, inc. /de4.53M9.70%$252.74M
Turtle creek asset management3.28M7.03%$183.12M
Dimensional fund advisors lp3.08M6.59%$171.56M
State street1.86M3.97%$103.47M
Franklin resources1.73M3.71%$96.51M
American century companies1.56M3.33%$86.78M
Arrowstreet capital, limited partnership1.19M2.55%$66.33M
Goldman sachs group1.18M2.52%$65.54M

Top Institutional Shareholders by % of Total Assets

HolderShares% AssetsValue
Hst ventures334.78K6.74%$14.92M
Brooktree capital management164.08K5.82%$9.15M
Miller value partners270.01K5.53%$15.06M
Turtle creek asset management3.28M5.53%$183.12M
Factorial partners35.00K1.34%$1.95M
Castlekeep investment advisors30.83K0.80%$1.72M
Mork capital management20.40K0.78%$1.14M
Basswood capital management341.70K0.78%$19.06M
Cambria investment management173.69K0.60%$9.92M
Bayforest capital17.43K0.46%$971.79K

Top Buyers

HolderShares% AssetsChange
Norges bank388.79K0.00%388.79K
Jacobs levy equity management861.05K0.16%375.93K
Allianz asset management gmbh943.66K0.06%290.80K
Jbf capital278.85K0.00%273.85K
Hst ventures334.78K6.74%268.36K

Top Sellers

HolderShares% AssetsChange
Whitebox advisors---1.00M
Turtle creek asset management3.28M5.53%-311.05K
Holocene advisors, lp---259.08K
Point72 asset management---225.96K
Azora capital lp---221.82K

New Positions

HolderShares% AssetsChangeValue
Norges bank388.79K0.00%388.79K$23.74M
Hudson bay capital management lp252.64K0.05%252.64K$14.09M
Capula management200.00K0.06%200.00K$11.15M
Kodai capital management lp122.21K0.31%122.21K$7.46M
Hillsdale investment management117.40K0.20%117.40K$6.55M

Sold Out

HolderChange
Annis gardner whiting capital advisors-1.00
Eagle bay advisors-1.00
Ridgewood investments-2.00
Global wealth strategies & associates-3.00
Claris advisors, llc / mo /-3.00

Institutional Ownership Trends


DateHoldingsChange %SharesChange %OwnershipChange %Increased PositionChange %Decreased PositionChange %
Sep 30, 2025190-43.95%24,122,826-47.43%510.54%86-47.88%63-47.06%
Jun 30, 20253443.93%48,260,527-0.86%1031.05%1675.70%12110.00%
Mar 31, 20259-97.34%1,097,467-97.75%20.02%6-96.20%1-99.19%
Dec 31, 2024145-58.21%18,791,673-62.67%370.37%68-62.43%50-47.92%
Sep 30, 202434313.95%50,325,783-4.62%1010.89%18128.37%96-1.03%

Top Mutual Funds Shareholders


HolderShares% HoldingChange
iShares Core S&P Small-Cap ETF2.78M5.96%-
Franklin Small Cap Value SMA Composite1.60M3.43%743.79K
Franklin US Small Cap Value Equity1.60M3.43%743.79K
Vanguard US Total Market Shares ETF1.54M3.19%1.38K
Vanguard Total Stock Mkt Idx Inv1.39M2.97%-29.67K
Avantis US Small Cap Value ETF1.27M2.73%1.54K
Vanguard Small Cap Index1.07M2.30%-7.18K
Franklin Small Cap Value A989.67K2.12%-
DFA US Small Cap Value I745.40K1.60%-
Vanguard Small Cap Value Index Inv688.86K1.48%-609.00

Recent Insider Transactions


DateNameRoleActivityValue
Jul 30, 2025Fawcett John J.-Buy$57.28K
Jul 30, 2025Fawcett John J.-Buy$6.18K
Oct 28, 2024Fawcett John J.-Buy$51.02K
Aug 12, 2024Fawcett John J.-Buy$99.64K
Jan 29, 2024Turtle Creek Asset Management Inc.-Sell$138.73K

Insider Transactions Trends


DateBuySell
2025 Q4--
2025 Q32-
2025 Q2--
2025 Q1--
2024 Q41-

BFH Ownership FAQ


Who Owns Bread Financial?

Bread Financial shareholders are primarily institutional investors at 51.65%, followed by 0.90% insiders and 47.45% retail investors. The average institutional ownership in Bread Financial's industry, Credit Services Stocks, is 45.07%, which Bread Financial exceeds.

Who owns the most shares of Bread Financial?

Bread Financial’s largest shareholders are Vanguard group (5.27M shares, 11.29%), Blackrock (4.83M shares, 9.74%), and Blackrock funding, inc. /de (4.53M shares, 9.70%). Together, they hold 30.73% of Bread Financial’s total shares outstanding.

Does Blackrock own Bread Financial?

Yes, BlackRock owns 9.74% of Bread Financial, totaling 4.83M shares as of Jun 2024. This represents 0.00% of BlackRock's total assets, with a market value of 215.22M$. In the last quarter, BlackRock decreased its holdings by -9.28K shares, a -0.19% change.

Who is Bread Financial’s biggest shareholder by percentage of total assets invested?

Hst ventures is Bread Financial’s biggest shareholder by percentage of total assets invested, with 6.74% of its assets in 334.78K Bread Financial shares, valued at 14.92M$.

Who is the top mutual fund holder of Bread Financial shares?

iShares Core S&P Small-Cap ETF is the top mutual fund holder of Bread Financial shares, with 5.96% of its total shares outstanding invested in 2.78M Bread Financial shares.

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