BFH Insider Trading
BREAD FINANCIAL HOLDINGS, INC. | Personal Credit Institutions
Comprehensive Trading Performance Summary
The investment history of corporate insiders at BREAD FINANCIAL HOLDINGS, INC. provides a unique lens into the internal conviction of the company's leadership. By analyzing SEC Form 4 filings, investors can track how directors and officers are allocating their own capital. High-conviction buying often signals that management believes the current market price significantly undervalues future growth prospects, while strategic selling might occur for personal liquidity or portfolio diversification. Monitoring these shifts in ownership is essential for understanding the alignment between management and shareholders in the Personal Credit Institutions sector.
Transactions on Chart
Open Full Chart| Filing Date | Trade Date | Reporting Person | Relationship | Type | Price | Qty | Total, $ | Owned After | Change, % |
|---|---|---|---|---|---|---|---|---|---|
| 2005-03-03 00:43 | 2005-02-28 | UTAY ALAN M | Officer, Other - Executive Vice President & CAO | SELL | $39.50 | 8,000 | $316,000 | 55,061 | -12.7% |
| 2005-03-03 00:41 | 2005-02-28 | TUCKER DWAYNE H | Officer, Other - Executive Vice President | SELL | $38.50 | 5,096 | $196,196 | 62,060 | -7.6% |
| 2005-03-02 00:17 | 2005-02-25 | MACKESY D SCOTT | 10% owner | SELL | $39.95 | 1,232 | $49,218 | 2,259 | -35.3% |
| 2005-02-24 00:18 | 2005-02-22 | SCULLION JOHN W | Officer, Other - President-Loyalty Group | SELL | $38.69 | 14,000 | $541,670 | 38,061 | -26.9% |
| 2005-02-17 01:48 | 2005-02-14 | TUCKER DWAYNE H | Officer, Other - Executive Vice President | OPT+S | $41.07 | 32,198 | $1,322,372 | 67,156 | 0.0% |
| 2005-02-17 01:47 | 2005-02-15 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $40.83 | 3,751 | $153,153 | 21,143 | 0.0% |
| 2005-02-10 03:02 | 2005-02-09 | SWANI SANJAY | 10% owner | SELL | $41.68 | 326 | $13,588 | 0 | -100.0% |
| 2005-02-02 00:38 | 2005-01-31 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $43.62 | 3,000 | $130,860 | 14,200 | 0.0% |
| 2005-01-06 00:38 | 2005-01-03 | TUCKER DWAYNE H | Officer, Other - Executive Vice President | OPT+S | $44.75 | 26,416 | $1,182,116 | 32,372 | 0.0% |
| 2005-01-06 00:36 | 2005-01-03 | PARKS J MICHAEL | Director, Officer, Other - Chairman of the Board | SELL | $46.20 | 48,000 | $2,217,600 | 101,549 | -32.1% |
| 2005-01-06 00:34 | 2005-01-03 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | SELL | $44.75 | 4,800 | $214,800 | 14,200 | -25.3% |
| 2005-01-06 00:33 | 2005-01-03 | HEFFERNAN EDWARD J | Officer, Other - Executive Vice President | SELL | $44.75 | 14,000 | $626,500 | 27,037 | -34.1% |
| 2005-01-06 00:31 | 2005-01-03 | BELTZ MICHAEL A | Officer, Other - Executive Vice President | OPT+S | $44.75 | 14,000 | $626,500 | 49,934 | 0.0% |
| 2004-12-31 00:12 | 2004-12-29 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $48.10 | 1,000 | $48,100 | 14,500 | 0.0% |
| 2004-12-18 00:18 | 2004-12-15 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $46.40 | 1,000 | $46,400 | 14,500 | 0.0% |
| 2004-12-03 01:11 | 2004-12-01 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $42.90 | 1,000 | $42,900 | 14,500 | 0.0% |
| 2004-11-24 21:41 | 2004-11-23 | SCULLION JOHN W | Officer, Other - President-Loyalty Group | OPT+S | $42.80 | 31,277 | $1,338,656 | 19,255 | 0.0% |
| 2004-11-23 22:03 | 2004-11-19 | MCINERNEY THOMAS E | Director, 10% owner | SELL | $43.30 | 25,000 | $1,082,500 | 50,526 | -33.1% |
| 2004-11-20 00:21 | 2004-11-19 | UTAY ALAN M | Officer, Other - Executive Vice President & CAO | SELL | $43.34 | 2,184 | $94,652 | 35,226 | -5.8% |
| 2004-11-18 00:37 | 2004-11-15 | TUCKER DWAYNE H | Officer, Other - Executive Vice President | SELL | $42.75 | 2,795 | $119,486 | 46,312 | -5.7% |
| 2004-11-18 00:36 | 2004-11-17 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $42.95 | 1,000 | $42,950 | 14,500 | 0.0% |
| 2004-11-18 00:35 | 2004-11-15 | HEFFERNAN EDWARD J | Officer, Other - Executive Vice President | SELL | $42.75 | 9,240 | $395,010 | 36,618 | -20.1% |
| 2004-11-16 23:56 | 2004-11-15 | MACKESY D SCOTT | 10% owner | SELL | $43.22 | 687 | $29,692 | 3,259 | -17.4% |
| 2004-11-12 19:06 | 2004-11-11 | RATHER JONATHAN M | 10% owner | SELL | $42.50 | 1,876 | $79,730 | 2,077 | -47.5% |
| 2004-11-12 19:04 | 2004-11-11 | QUAELLY PAUL B | 10% owner | SELL | $42.50 | 18,229 | $774,733 | 19,111 | -48.8% |
| 2004-11-12 17:42 | 2004-11-09 | MINICUCCI ROBERT A | Director, 10% owner | SELL | $41.70 | 100,000 | $4,169,980 | 129,217 | -43.6% |
| 2004-11-11 00:38 | 2004-11-08 | SWANI SANJAY | 10% owner | SELL | $41.50 | 1,587 | $65,861 | 94 | -94.4% |
| 2004-11-10 04:24 | 2004-11-05 | RATHER JONATHAN M | 10% owner | SELL | $41.43 | 400,000 | $16,572,000 | 0 | -100.0% |
| 2004-11-10 04:18 | 2004-11-05 | QUAELLY PAUL B | 10% owner | SELL | $41.43 | 400,000 | $16,572,000 | 0 | -100.0% |
| 2004-11-10 04:11 | 2004-11-05 | DENICOLA ANTHONY J | 10% owner | SELL | $41.43 | 400,000 | $16,572,000 | 0 | -100.0% |
| 2004-11-10 04:05 | 2004-11-05 | MINICUCCI ROBERT A | Director, 10% owner | SELL | $41.43 | 400,000 | $16,572,000 | 0 | -100.0% |
| 2004-11-10 04:01 | 2004-11-05 | MCINERNEY THOMAS E | 10% owner | SELL | $41.43 | 548,765 | $22,735,334 | 0 | -100.0% |
| 2004-11-10 03:53 | 2004-11-05 | ANDERSON BRUCE K | Director, 10% owner | SELL | $41.43 | 548,765 | $22,735,334 | 0 | -100.0% |
| 2004-11-10 03:39 | 2004-11-05 | CARSON RUSSELL L | 10% owner | SELL | $41.43 | 400,000 | $16,572,000 | 0 | -100.0% |
| 2004-11-10 03:10 | 2004-11-05 | WELSH PATRICK J | 10% owner | SELL | $41.43 | 400,000 | $16,572,000 | 0 | -100.0% |
| 2004-11-09 01:26 | 2004-11-08 | SZEFTEL IVAN M | Officer, Other - Executive Vice President | SELL | $41.50 | 21,413 | $888,640 | 53,841 | -28.5% |
| 2004-11-09 01:22 | 2004-11-04 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $42.00 | 1,000 | $42,000 | 14,500 | 0.0% |
| 2004-11-08 18:04 | 2004-11-05 | MATTHEWS JAMES R | 10% owner | SELL | $41.93 | 887 | $37,192 | 836 | -51.5% |
| 2004-11-08 18:01 | 2004-11-05 | CLARK JOHN D | 10% owner | SELL | $42.00 | 1,587 | $66,654 | 94 | -94.4% |
| 2004-11-08 18:00 | 2004-11-05 | MACKESY D SCOTT | 10% owner | SELL | $42.00 | 1,587 | $66,654 | 3,946 | -28.7% |
| 2004-11-08 17:58 | 2004-11-05 | WCAS INFORMATION PARTNERS L P | 10% owner | SELL | $41.43 | 148,765 | $6,163,334 | 0 | -100.0% |
| 2004-11-08 17:59 | 2004-11-05 | WELSH CARSON ANDERSON & STOWE VII LP ET AL | 10% owner | SELL | $41.43 | 400,000 | $16,572,000 | 0 | -100.0% |
| 2004-10-30 00:31 | 2004-10-28 | UTAY ALAN M | Officer, Other - Executive Vice President & CAO | OPT+S | $42.41 | 20,000 | $848,186 | 28,904 | 0.0% |
| 2004-10-30 00:28 | 2004-10-27 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $42.00 | 1,000 | $42,000 | 14,500 | 0.0% |
| 2004-10-15 23:16 | 2004-10-14 | BELTZ MICHAEL A | Officer, Other - Executive Vice President | OPT+S | $42.90 | 15,600 | $669,240 | 49,835 | 0.0% |
| 2004-10-08 23:19 | 2004-10-06 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $41.89 | 1,102 | $46,163 | 14,500 | 0.0% |
| 2004-10-01 23:16 | 2004-09-29 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $41.00 | 1,500 | $61,500 | 14,500 | 0.0% |
| 2004-09-23 23:25 | 2004-09-21 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $41.00 | 3,000 | $123,000 | 14,500 | 0.0% |
| 2004-09-16 00:00 | 2004-09-13 | KUBIC MICHAEL D | Officer, Other - Vice President, Controller | OPT+S | $40.00 | 3,000 | $120,000 | 14,500 | 0.0% |
| 2004-09-15 23:58 | 2004-09-13 | BELTZ MICHAEL A | Officer, Other - Executive Vice President | SELL | $39.90 | 28,937 | $1,154,586 | 49,748 | -36.8% |
How to Interpret $BFH Trades
Not every insider transaction in BREAD FINANCIAL HOLDINGS, INC. is a signal for immediate action. Professional investors look for "cluster buying"—when multiple executives simultaneously purchase $BFH shares on the open market. It is crucial to distinguish between scheduled sales (under Rule 10b5-1) and voluntary increases in ownership, which demonstrate management’s true conviction that the stock is undervalued.
Data Source & Accuracy for BFH
Insider activity data for BREAD FINANCIAL HOLDINGS, INC. is streamed in real-time directly from the SEC EDGAR system. We analyze raw Form 4 filings, filtering out technical adjustments and complex derivative transactions. This provides a transparent view of how ownership structure is evolving in $BFH, allowing you to follow the capital of those with the most intimate knowledge of the company.
UNDERSTANDING THE DATA
FILING DATE: The date and time when the transaction was reported to the SEC. This is when the public first receives the information.
TRADE DATE: The actual day the insider executed the purchase or sale in the market.
INDUSTRY: The specific market sector the company operates in. Useful for identifying broader institutional capital flows across sectors.
OWNED AFTER: The total number of shares held by the insider following the transaction. This highlights the insider's remaining conviction in the company.
CHANGE %: The percentage increase or decrease of the insider's total position. Large percentage changes often carry more weight than the dollar amount alone.
TRADE TYPES DEFINITIONS
BUY: An open market purchase. Typically indicates an insider's belief that the stock is undervalued or poised for growth.
SELL: An open market sale. While often used for diversification or liquidity, large or unexpected sales can be a warning signal.
OPT+S (OPTION EXERCISE & SALE): This occurs when an insider exercises their stock options and sells them immediately. Often part of a structured compensation plan.