Ralph Andretta compensation by year
BREAD FINANCIAL Summary Compensation Table · all 6 fiscal years held| Component | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Salary | $913,846 | $1,045,385 | $1,138,846 | $1,155,000 | $1,155,000 | $1,196,539 |
| Bonus | $4,547,834 | $135,000 | $0 | $0 | $0 | $0 |
| Stock awards | $5,313,281 | $7,900,354 | $4,840,698 | $4,039,912 | $6,333,851 | $7,019,369 |
| Option awards | $0 | $0 | $0 | $0 | $0 | $0 |
| Non-equity incentive | $1,485,000 | $2,063,040 | $2,615,590 | $2,347,191 | $2,852,850 | $3,430,800 |
| Pension and deferred compensation | $0 | $0 | $0 | $0 | $0 | $0 |
| All other | $40,027 | $35,459 | $99,548 | $155,483 | $296,346 | $274,523 |
| Total | $12,299,988 | $11,179,238 | $8,694,682 | $7,697,586 | $10,638,047 | $11,921,231 |
Each year as stated in that year's proxy. A dash means the company reported no figure in that column. Source: BREAD FINANCIAL HOLDINGS, INC. DEF 14A filed April 7, 2026, accession 0001193125-26-144512, and prior-year filings.
How this page was built: the BREAD FINANCIAL HOLDINGS, INC. filed document, accession 0001193125-26-144512. Every figure is read from that document and cited to the page and table it appears in. Filed April 7, 2026.
Equity holdings
unvested awards at FY2025 year-end| Type | Unvested units | Value at year-end | Exercise price |
|---|---|---|---|
| PSU | 151,730 | $11,232,572 | — |
| PSU | 108,775 | $8,052,613 | — |
| RSU | 106,442 | $7,879,901 | — |
| RSU | 106,180 | $7,860,505 | — |
Per the Outstanding Equity Awards at Fiscal Year-End table in BREAD FINANCIAL HOLDINGS, INC.'s FY2025 proxy; value at the fiscal year-end close, as the company printed it.
Insider transactions since the last proxy
3 Form 4 lines since the FY2025 proxy (filed April 7, 2026)current to 2026-11-06 · updated nightly
| Date | Transaction | Plan | Shares | Price | Held after |
|---|---|---|---|---|---|
| 2026-05-29 | Sale | 10b5-1 | 12,500 | $89.17 | 583,241 |
| 2026-05-29 | Sale | 10b5-1 | 1,000 | $89.57 | 582,241 |
| 2026-05-29 | Sale | 10b5-1 | 1,500 | $88.23 | 595,741 |
The 3 most recent of 3 lines, each as reported on the Form 4. "10b5-1" marks a trade the filing reports under a pre-arranged trading plan. View every Form 4 filing on EDGAR →
BREAD FINANCIAL’s named executive officers, FY2025
as the company reported each| 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 |
Board service
BREAD FINANCIAL board · FY2021–FY2025How this board is paid
Company policy: BREAD FINANCIAL pays directors a $100,000 cash retainer and $145,000 in equity. As stated in BREAD FINANCIAL's FY2025 proxy.
The full BREAD FINANCIAL compensation record
free company briefThis page is one person within BREAD FINANCIAL's record. The company brief lists every named executive, each linking to their own page.
Peer companies
named in the BREAD FINANCIAL proxy · each links to its own free briefCompensation, the day it’s disclosed
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How this record is built
Every figure on this page is one figure from a public SEC filing, printed as the filing states it and cited to the document. Compensation totals are BREAD FINANCIAL's own disclosed totals, not summed by Velarion. Insider transactions are read from Form 4 filings and cover every line filed since the most recent proxy. Nothing is estimated by Velarion; where the company does not disclose a value the cell reads "—", and a section appears only where the company discloses the data. Corrections: records@velarion.ai.