Stock Trading Canary

United States · SEC Form 4 · Snapshot date: 2026-10-18 · Built: 2026-10-18 · 中文

← United States · Coverage record

US · SEC FORM 4

BREAD FINANCIAL HOLDINGS, INC.

BFH · NYSE · CIK 0001101215 · Financial Services · Credit Services

INSIDER SIGNAL

No active buy signal

2 qualifying P purchase groups
in the current 180-day scoring window

16 Form 4 transaction lines observed in the same window
5 sales · 9 option, withholding, award, gift or other lines

Last qualifying purchase2026-09-14 · McCarthy Dennis James · $1.7K

WHY NO ACTIVE SIGNAL?

Purchase activityPresent
Recent buying2 qualifying line group(s)
Recent salesModerate
Buy signal statusInactive
Score anatomy

No score is calculated because there is no qualifying purchase in the active window. Unavailable inputs are not treated as zero or as a bearish signal.

ClusterNot calculated
Purchase sizeNot calculated
RoleNot calculated
RecencyNot calculated
ConvictionNot calculated

Why is there no score?

  • No qualifying open-market purchase supplies cluster, size, role, recency or conviction inputs.
  • Sales and other Form 4 activity remain visible as context and do not create a negative score.

Sales and other Form 4 activity are shown separately and do not create a negative buy signal. Absence of buying is not scored as bearish.

Insider activity timeline

Owner lanes show the latest 180 days. Symbol shape identifies the transaction type; sales remain context only.

AprMayJunJulAugSepOct
Lakhwara PranitiDirector
○▼
Gerspach John CDirector
○○
Fawcett John J.Director
●○
TURNEY SHAREN JDirector
○
THERIAULT TIMOTHY JDirector
○
St Clair JoyceDirector
○
● Purchase▼ Sale○ Other

Showing the six most active owners; 5 additional owner(s) remain in Form 4 evidence.

Purchase breadth & concentration

QUALIFYING BUYERS2
PURCHASE CONCENTRATION97%Largest buyer: Fawcett John J. · $60.3K
CLUSTER BUYING · 15D1 insiderPeak activity: 2026-05-21–2026-05-21

Roles in the peak window: Director. Concentration uses priced qualifying P lines only and does not change the saved score.

SIGNAL HISTORY

No recorded active-signal snapshot

Scores are archived only when the company qualifies for a published US buy-signal snapshot. Last qualifying purchase: 2026-09-14 · McCarthy Dennis James.

Recent Form 4 activity

2Purchases
5Sales
50Other Form 4 lines
30SEC filings · 365 days
BUYING2 qualifying P line(s) · 180 days
SELLING5 sale line(s) · context only
OTHER9 exercise / withholding / award / gift / other lines
10b5-1 / PLANNEDNot assessed

P is an open-market or private purchase. S is a sale. M, F, A and G usually describe exercises, tax withholding, awards and gifts. These categories remain visually separate.

Market context

Market context provides additional background on recent price performance and risk. It does not affect the Insider Signal.

Price performance

1M
-5.2%
3M
+3.1%
6M
+13.2%
12M
+71.6%

Volatility & liquidity

Volatility
42.5%
Beta
—
Avg daily value
USD 56.3M

Valuation

Market cap
USD 3.9B
P/E
7.6×

Fundamentals

Profit margin
—
ROE
15.6%
Industry
Credit Services

Market data

Price data up to: 2026-10-16 · Price source: OpenBB/yfinance; volume from price cache (yfinance) · From SEC filings: Market cap, P/E, ROE · Fiscal year ended: 2025-12-31 · Market cap is the shares outstanding stated on the filing cover multiplied by the latest close. Share count date: 2026-07-22 · Status: PASS

Short interest

Short interest is external context reported to FINRA by broker-dealers. It does not affect the Insider Signal.

Shares short
3,237,726
Previous report
2,788,626
Avg daily volume
675,511
Days to cover
4.8

FINRA settlement date: 2026-09-30 · Captured 2026-10-12 · FINRA equity short interest ↗. A share count, published about a week after each of two settlement dates a month; not a percentage of shares outstanding.

Historical equity purchases

Qualifying code P transactions in the local Form 4 history, including purchases outside the current signal window.

Transaction dateReporting ownerTypeSecuritySharesAvg. priceApprox. valueSource
2026-09-14McCarthy Dennis JamesPurchase (P)Common Stock16USD 108.14USD 1,718SEC filing ↗
2026-05-21Fawcett John J.Purchase (P)Common Stock698USD 86.43USD 60,328SEC filing ↗
2025-07-30Fawcett John J.Purchase (P)Common Stock1,027USD 61.79USD 63,459SEC filing ↗
2024-10-28Fawcett John J.Purchase (P)Common Stock1,000USD 51.02USD 51,020SEC filing ↗
2024-08-12Fawcett John J.Purchase (P)Common Stock2,000USD 49.82USD 99,640SEC filing ↗
2023-07-31BALLOU ROGER HPurchase (P)Common Stock2,400USD 41.78USD 100,272SEC filing ↗
2023-05-30Turtle Creek Asset Management Inc.Purchase (P)Common Stock400USD 29.89USD 11,956SEC filing ↗
2023-05-24Turtle Creek Asset Management Inc.Purchase (P)Common Stock15,000USD 29.50USD 442,500SEC filing ↗
2023-05-19Turtle Creek Asset Management Inc.Purchase (P)Common Stock5,850USD 29.74USD 173,979SEC filing ↗
2023-05-18Turtle Creek Asset Management Inc.Purchase (P)Common Stock3,144USD 29.73USD 93,471SEC filing ↗
2023-05-17Turtle Creek Asset Management Inc.Purchase (P)Common Stock103,950USD 29.69USD 3,086,669SEC filing ↗
2023-05-16Turtle Creek Asset Management Inc.Purchase (P)Common Stock25,000USD 27.81USD 695,250SEC filing ↗
2023-05-15Turtle Creek Asset Management Inc.Purchase (P)Common Stock113,973USD 27.91USD 3,180,729SEC filing ↗
2023-05-12Turtle Creek Asset Management Inc.Purchase (P)Common Stock71,027USD 26.53USD 1,884,346SEC filing ↗
2023-05-11Turtle Creek Asset Management Inc.Purchase (P)Common Stock50,000USD 26.17USD 1,308,500SEC filing ↗

Form 4 evidence

57 transaction lines in the latest 365-day window; 572 in local history.

DateOwnerTypeSecuritySharesAvg. priceApprox. valueSource
2026-09-14McCarthy Dennis JamesPurchase (P)Common Stock16USD 108.14USD 1,718SEC filing ↗
2026-07-28Lakhwara PranitiSale (S)Common Stock2,802USD 106.12USD 297,348SEC filing ↗
2026-07-15Gerspach John CAward / grant (A)Common Stock730USD —USD —SEC filing ↗
Show recent Form 4 evidence (30 grouped rows)
DateOwnerTypeSecuritySharesAvg. priceApprox. valueSource
2026-09-14McCarthy Dennis JamesPurchase (P)Common Stock16USD 108.14USD 1,718SEC filing ↗
2026-07-28Lakhwara PranitiSale (S)Common Stock2,802USD 106.12USD 297,348SEC filing ↗
2026-07-15Gerspach John CAward / grant (A)Common Stock730USD —USD —SEC filing ↗
2026-06-15Tucker Laurie AnneAward / grant (A)Common Stock1,638USD —USD —SEC filing ↗
2026-06-15TURNEY SHAREN JAward / grant (A)Common Stock1,638USD —USD —SEC filing ↗
2026-06-15THERIAULT TIMOTHY JAward / grant (A)Common Stock1,638USD —USD —SEC filing ↗
2026-06-15St Clair JoyceAward / grant (A)Common Stock1,638USD —USD —SEC filing ↗
2026-06-15Natarajan RajeshAward / grant (A)Common Stock1,638USD —USD —SEC filing ↗
2026-06-15Lakhwara PranitiAward / grant (A)Common Stock1,638USD —USD —SEC filing ↗
2026-06-15Gerspach John CAward / grant (A)Common Stock1,638USD —USD —SEC filing ↗
2026-06-15Fawcett John J.Award / grant (A)Common Stock1,638USD —USD —SEC filing ↗
2026-05-29Andretta Ralph JSale (S)Common Stock15,000USD 89.10USD 1,336,540SEC filing ↗
2026-05-21Fawcett John J.Purchase (P)Common Stock698USD 86.43USD 60,328SEC filing ↗
2026-04-24BALLOU ROGER HSale (S)Common Stock9,687USD 90.32USD 874,930SEC filing ↗
2026-04-15Gerspach John CAward / grant (A)Common Stock483USD —USD —SEC filing ↗
2026-02-19BALLOU ROGER HGift (G)Common Stock1,351USD 0.00USD 0SEC filing ↗
2026-02-18Driscoll Allegra STax withholding (F)Common Stock1,752USD 73.74USD 129,192SEC filing ↗
2026-02-18Motes Joseph L IIITax withholding (F)Common Stock1,470USD 73.74USD 108,398SEC filing ↗
2026-02-18McConnaughey Tammy MTax withholding (F)Common Stock1,606USD 73.74USD 118,426SEC filing ↗
2026-02-18Greer Valerie ETax withholding (F)Common Stock2,003USD 73.74USD 147,701SEC filing ↗
2026-02-18Driscoll Allegra STax withholding (F)Common Stock2,564USD 73.74USD 189,069SEC filing ↗
2026-02-18Campbell Jonathan BryanTax withholding (F)Common Stock1,310USD 73.74USD 96,599SEC filing ↗
2026-02-18Beberman Perry STax withholding (F)Common Stock2,014USD 73.74USD 148,512SEC filing ↗
2026-02-18Andretta Ralph JTax withholding (F)Common Stock5,326USD 73.74USD 392,739SEC filing ↗
2026-02-17Beberman Perry STax withholding (F)Common Stock22,516USD 73.05USD 1,644,794SEC filing ↗
2026-02-17Campbell Jonathan BryanAward / grant (A)Common Stock1,728USD —USD —SEC filing ↗
2026-02-17Motes Joseph L IIITax withholding (F)Common Stock16,918USD 73.05USD 1,235,860SEC filing ↗
2026-02-17Motes Joseph L IIIAward / grant (A)Common Stock24,271USD —USD —SEC filing ↗
2026-02-17McConnaughey Tammy MTax withholding (F)Common Stock17,861USD 73.05USD 1,304,746SEC filing ↗
2026-02-17McConnaughey Tammy MAward / grant (A)Common Stock23,729USD —USD —SEC filing ↗

Multiple price lines in one filing are grouped and share-weighted. Price and value are blank when a grouped filing line lacks price evidence.

Snapshot & identity

Snapshot date2026-10-18
Ranking versionUS-v1.2
Data qualityPASS ELIGIBLE · —
TickerBFH
CIK0001101215
SectorFinancial Services
IndustryCredit Services Yahoo Finance
SEC SIC6141 Personal Credit Institutions
ExchangeNYSE

Data coverage

Local Form 4 history572 transaction lines from 2020-02-18 to 2026-09-14
102 P purchase lines · 173 S sale lines · 297 other lines
SEC company submissionsOpen SEC filings ↗

Local ledger as of 2026-10-18. Mapping status is an audit field and does not erase SEC filing evidence.