Bread Financial Ownership | Who Owns Bread Financial?

Overview Forecast RevenueFinancials Chart Transcripts

Bread Financial Ownership Summary

Bread Financial is owned by 100.53% institutional investors, 1.48% insiders. Vanguard group is the largest institutional shareholder, holding 11.39% of BFH shares. iShares Core S&P Small-Cap ETF is the top mutual fund, with 6.63% of its assets in Bread Financial shares.

BFH Ownership Benchmark

Type	Name	% Inst	% Insiders	% Retail
Stock	Bread Financial	100.53%	1.48%	-2.01%
Sector	Financial Services Stocks	37.05%	15.59%	47.36%
Industry	Credit Services Stocks	40.05%	11.56%	48.39%
Idea	Buy Now Pay Later Stocks List	49.50%	11.87%	38.63%

Institutional Shareholders

Top Institutional Shareholders by Total Shares

Holder	Shares	% Holding	Value
Vanguard group	5.12M	11.39%	$378.74M
Turtle creek asset management	4.98M	11.08%	$372.62M
Blackrock	4.83M	9.74%	$215.22M
Blackrock funding, inc. /de	4.22M	9.41%	$316.39M
Dimensional fund advisors lp	3.09M	6.87%	$231.11M
State street	1.76M	3.93%	$132.16M
American century companies	1.63M	3.63%	$122.19M
Allianz asset management gmbh	1.35M	3.00%	$100.85M
Geode capital management	1.19M	2.64%	$88.78M
Franklin resources	1.15M	2.56%	$86.08M

Top Institutional Shareholders by % of Total Assets

Holder	Shares	% Assets	Value
Turtle creek asset management	4.98M	9.50%	$372.62M
Hst ventures	334.78K	6.74%	$14.92M
Brooktree capital management	98.53K	5.85%	$7.38M
Miller value partners	193.70K	3.79%	$14.51M
Philadelphia financial management of san francisco	172.16K	3.73%	$12.89M
Factorial partners	35.00K	1.90%	$2.62M
Mork capital management	20.40K	1.08%	$1.53M
Vista investment management	23.20K	0.58%	$1.74M
Basswood capital management	158.69K	0.56%	$11.88M
Cambria investment management	132.81K	0.56%	$9.95M

Top Buyers

Holder	Shares	% Assets	Change
Turtle creek asset management	4.98M	9.50%	2.42M
Sg americas securities	350.06K	0.03%	315.03K
Vanguard fiduciary trust	281.59K	0.01%	281.59K
Hst ventures	334.78K	6.74%	268.36K
Qube research	274.95K	0.02%	219.50K

Top Sellers

Holder	Shares	% Assets	Change
Whitebox advisors	-	-	-1.00M
Franklin resources	1.15M	0.02%	-880.44K
Macquarie group	-	-	-744.10K
Victory capital management	114.29K	0.01%	-519.44K
Millennium management	180.75K	0.01%	-485.06K

New Positions

Holder	Shares	% Assets	Change	Value
Vanguard fiduciary trust	281.59K	0.01%	281.59K	$21.09M
Capula management	200.00K	0.06%	200.00K	$11.15M
Schroder investment management group	138.11K	0.01%	138.11K	$10.09M
J. goldman & co lp	132.59K	0.29%	132.59K	$9.93M
Kodai capital management lp	122.21K	0.31%	122.21K	$7.46M

Sold Out

Holder	Change
Eagle bay advisors	-1.00
Dunhill financial	-1.00
Annis gardner whiting capital advisors	-1.00
Ridgewood investments	-2.00
Claris advisors, llc / mo /	-3.00

Institutional Ownership Trends

Date	Holdings	Change %	Shares	Change %	Ownership	Change %	Increased Position	Change %	Decreased Position	Change %
Mar 31, 2026	385	0.52%	45,138,921	-3.56%	100	0.93%	184	2.79%	132	-3.65%
Dec 31, 2025	215	-39.78%	22,106,224	-54.44%	49	0.46%	94	-45.98%	79	-30.09%
Sep 30, 2025	190	-43.95%	24,122,826	-47.43%	51	0.54%	86	-47.88%	63	-47.06%
Jun 30, 2025	344	3.93%	48,260,527	-0.86%	103	1.05%	167	5.70%	121	10.00%
Mar 31, 2025	9	-97.34%	1,097,467	-97.75%	2	0.02%	6	-96.20%	1	-99.19%

Top Mutual Funds Shareholders

Holder	Shares	% Holding	Change
iShares Core S&P Small-Cap ETF	2.68M	6.63%	-
Avantis US Small Cap Value ETF	1.40M	3.46%	-
Vanguard Total Stock Mkt Idx Inv	1.30M	3.23%	4.20K
Vanguard US Total Market Shares ETF	1.54M	3.19%	1.38K
Vanguard Small Cap Index	944.12K	2.34%	-1.71K
PIMCO RAE US Small Instl	812.22K	1.88%	168.35K
PIMCO RAE US Small	812.22K	1.88%	168.35K
DFA US Small Cap Value I	724.77K	1.79%	-
Vanguard Small Cap Value Index Inv	606.13K	1.50%	4.34K
Franklin Small Cap Value SMA Composite	555.26K	1.37%	555.23K

Recent Insider Transactions

Date	Name	Role	Activity	Value
May 29, 2026	Andretta Ralph J	President and CEO	Sell	$132.34K
May 29, 2026	Andretta Ralph J	President and CEO	Sell	$1.11M
May 29, 2026	Andretta Ralph J	President and CEO	Sell	$89.57K
May 21, 2026	Fawcett John J.	-	Buy	$60.33K
Apr 24, 2026	BALLOU ROGER H	-	Sell	$874.93K

Insider Transactions Trends

Date	Buy	Sell
2026 Q2	1	4
2026 Q1	-	-
2025 Q4	-	-
2025 Q3	2	-
2025 Q2	-	-

BFH Ownership FAQ

Who Owns Bread Financial?

Bread Financial shareholders are primarily institutional investors at 100.53%, followed by 1.48% insiders and -2.01% retail investors. The average institutional ownership in Bread Financial's industry, Credit Services Stocks, is 40.05%, which Bread Financial exceeds.

Who owns the most shares of Bread Financial?

Bread Financial’s largest shareholders are Vanguard group (5.12M shares, 11.39%), Turtle creek asset management (4.98M shares, 11.08%), and Blackrock (4.83M shares, 9.74%). Together, they hold 32.21% 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?

Turtle creek asset management is Bread Financial’s biggest shareholder by percentage of total assets invested, with 9.50% of its assets in 4.98M Bread Financial shares, valued at 372.62M$.

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 6.63% of its total shares outstanding invested in 2.68M Bread Financial shares.

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