Ralph Andretta is President and Chief Executive Officer of Bread Financial Holdings, Inc. (BFH). The company reported total compensation of $11,921,231 for fiscal year 2025.
| Salary | $1,196,539 |
|---|---|
| Bonus | $0 |
| Stock awards | $7,019,369 |
| Option awards | $0 |
| Non-equity incentive plan | $3,430,800 |
| Pension and non-qualified deferred compensation | $0 |
| All other compensation | $274,523 |
| Total | $11,921,231 |
A dash means the company reported no figure in that column; 0 means it reported zero. Figures are as printed, without adjustment.
Cited to the compensation disclosure Bread Financial Holdings, Inc. filed April 7, 2026, accession 0001193125-26-144512.
| Fiscal year | Role | Salary | Bonus | Stock awards | Option awards | Non-equity incentive | Pension / NQDC | All other | Total |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | President and Chief Executive Officer | $1,196,539 | $0 | $7,019,369 | $0 | $3,430,800 | $0 | $274,523 | $11,921,231 |
| FY2024 | President and Chief Executive Officer | $1,155,000 | $0 | $6,333,851 | $0 | $2,852,850 | $0 | $296,346 | $10,638,047 |
| FY2022 | President and Chief Executive Officer | $1,138,846 | $0 | $4,840,698 | $0 | $2,615,590 | $0 | $99,548 | $8,694,682 |
| FY2021 | President and Chief Executive Officer | $1,045,385 | $135,000 | $7,900,354 | $0 | $2,063,040 | $0 | $35,459 | $11,179,238 |
| FY2020 | President and Chief Executive Officer | $913,846 | $4,547,834 | $5,313,281 | $0 | $1,485,000 | $0 | $40,027 | $12,299,988 |
Totals as disclosed in each year's own compensation disclosure for Bread Financial Holdings, Inc..
| Peer-group chief executive median | $11,588,362 |
|---|---|
| Difference from that median | $332,869 |
| Percentile within the disclosed peer group | 50th |
| Peers with a disclosed figure | 13 |
Medians and percentiles are computed across the peer group Bread Financial Holdings, Inc. discloses in its own compensation disclosure.
| Named executive officer | Role | FY2025 total |
|---|---|---|
| Ralph Andretta this page | President and Chief Executive Officer | $11,921,231 |
| Perry Beberman | Executive Vice President and Chief Financial Officer | $4,299,606 |
| Valerie Greer | Executive Vice President and Chief Commercial Officer | $4,271,861 |
| Allegra Driscoll | Executive Vice President and Chief Technology Officer | $3,883,544 |
| Joseph Motes | Executive Vice President, Chief Legal and Administrative Officer and Secretary | $3,736,479 |
The company's named executive officers for fiscal year 2025, and what it reported for each. See the full Bread Financial Holdings, Inc. compensation brief.
Ralph Andretta's compensation sits inside Bread Financial Holdings, Inc.'s full executive and board picture — the peer group, pay against peers, incentive design and the board itself.