BFH · Bread Financial Holdings, Inc. · Executive Compensation

$108.00 -0.53 (-0.49%)

S&P 600 member Russell 2000 member Rebalance outlook locked

Market Cap

$4.14B

38.42M

Named-executive compensation from the company's DEF 14A proxy statements — salary, bonus, stock and option awards, non-equity incentive, and the company-reported total per executive per fiscal year, exactly as disclosed in the Summary Compensation Table.

Fiscal 2025

Executive	Role	Salary	Bonus	Stock Awards	Option Awards	Incentive	Other	Total
Ralph Andretta	CEO	$1,196,539	—	$7,019,369	—	$3,430,800	$274,523	$11,921,231
Ralph J. Andretta	President and Chief Executive Officer	$1,196,539	—	$7,019,369	—	$3,430,800	$274,523	$11,921,231
Perry S. Beberman	EVP and Chief Financial Officer	$697,308	—	$1,805,037	—	$1,651,073	$146,188	$4,299,606
Perry Beberman	EVP and Chief Financial Officer	$697,308	—	$1,805,037	—	$1,651,073	$146,188	$4,299,606
Valerie Greer	EVP and Chief Commercial Officer	$697,308	—	$1,805,037	—	$1,651,073	$118,443	$4,271,861
Allegra S. Driscoll	EVP - Chief Technology Officer	$642,077	$550,000	$1,203,379	—	$1,425,819	$62,269	$3,883,544
Joseph L. Motes III	EVP, Chief Legal and Administrative Officer, and Secretary	$678,462	—	$1,433,957	—	$1,506,693	$117,367	$3,736,479

Fiscal 2024

Executive	Role	Salary	Bonus	Stock Awards	Option Awards	Incentive	Other	Total
Ralph Andretta	CEO	$1,155,000	—	$6,333,851	—	$2,852,850	$296,346	$10,638,047
Ralph J. Andretta	President and Chief Executive Officer	$1,155,000	—	$6,333,851	—	$2,852,850	$296,346	$10,638,047
Allegra S. Driscoll	EVP - Chief Technology Officer	$598,558	$1,100,000	$1,161,251	—	$1,137,500	$44,250	$4,041,559
Valerie Greer	EVP and Chief Commercial Officer	$663,846	—	$1,826,278	—	$1,296,750	$115,700	$3,902,574
Perry Beberman	EVP and Chief Financial Officer	$663,846	—	$1,826,278	—	$1,296,750	$104,699	$3,891,573
Perry S. Beberman	EVP and Chief Financial Officer	$663,846	—	$1,826,278	—	$1,296,750	$104,699	$3,891,573
Joseph L. Motes III	EVP, Chief Administrative Officer, General Counsel and Secretary	$650,379	—	$1,404,066	—	$1,287,000	$122,282	$3,463,727

Fiscal 2023

Executive	Role	Salary	Bonus	Stock Awards	Option Awards	Incentive	Other	Total
Ralph J. Andretta	President and Chief Executive Officer	$1,155,000	—	$4,039,912	—	$2,347,191	$155,483	$7,697,586
Ralph Andretta	CEO	$1,155,000	—	$4,039,912	—	$2,347,191	$155,483	$7,697,586
Valerie Greer	EVP and Chief Commercial Officer	$649,231	—	$1,171,000	—	$1,100,775	$83,091	$3,004,097
Perry Beberman	EVP and Chief Financial Officer	$648,462	—	$1,171,000	—	$1,100,775	$75,225	$2,995,462
Perry S. Beberman	EVP and Chief Financial Officer	$648,462	—	$1,171,000	—	$1,100,775	$75,225	$2,995,462
Joseph L. Motes III	EVP, Chief Administrative Officer, General Counsel and Secretary	$643,846	—	$900,201	—	$1,092,308	$76,863	$2,713,218
Tammy McConnaughey	EVP, Chief Credit Risk and Operations Officer	$639,231	—	$841,655	—	$1,083,840	$61,406	$2,669,068

Fiscal 2022

Executive	Role	Salary	Bonus	Stock Awards	Option Awards	Incentive	Other	Total
Ralph J. Andretta	President and Chief Executive Officer	$1,138,846	—	$4,840,698	—	$2,615,590	$99,548	$8,694,682
Ralph Andretta	CEO	$1,138,846	—	$4,840,698	—	$2,615,590	$99,548	$8,694,682
Perry S. Beberman	EVP and Chief Financial Officer	$625,385	—	$1,597,947	—	$1,188,905	$39,320	$3,451,557
Perry Beberman	EVP and Chief Financial Officer	$625,385	—	$1,597,947	—	$1,188,905	$39,320	$3,451,557
Valerie Greer	EVP and Chief Commercial Officer	$636,923	—	$1,210,283	—	$1,207,776	$52,069	$3,107,051
Joseph L. Motes III	EVP, Chief Administrative Officer, General Counsel and Secretary	$625,384	—	$1,210,283	—	$1,188,905	$53,294	$3,077,866
Tammy McConnaughey	EVP, Chief Credit Risk and Operations Officer	$617,692	—	$1,100,204	—	$1,188,905	$43,787	$3,006,975

Fiscal 2021

Executive	Role	Salary	Bonus	Stock Awards	Option Awards	Incentive	Other	Total
Ralph Andretta	CEO	$1,045,385	$135,000	$7,900,354	—	$2,063,040	$35,459	$11,179,238
Ralph J. Andretta	President and Chief Executive Officer	$1,045,385	$135,000	$7,900,354	—	$2,063,040	$35,459	$11,179,238
Joseph L. MotesIII	EVP, Chief Administrative Officer, General Counsel and Secretary	$592,308	$29,000	$2,422,007	—	$921,000	$45,623	$4,009,938
Joseph L. Motes III	EVP, Chief Administrative Officer, General Counsel and Secretary	$592,308	$29,000	$2,422,007	—	$921,000	$45,623	$4,009,938
Valerie Greer	EVP and Chief Commercial Officer	$618,462	$43,638	$2,069,298	—	$1,156,362	$39,913	$3,927,673
Tammy McConnaughey	EVP, Chief Credit Risk and Operations Officer	$541,495	$42,180	$1,881,141	—	$732,820	$41,908	$3,287,327
Timothy King	Former EVP and Chief Financial Officer	$148,385	—	$2,069,298	—	$290,025	$693,664	$3,232,289
Perry S. Beberman	EVP and Chief Financial Officer	$297,692	$600,000	$1,304,665	—	$1,002,600	$431	$3,205,388
Perry Beberman	EVP and Chief Financial Officer	$297,692	$600,000	$1,304,665	—	$1,002,600	$431	$3,205,388

Fiscal 2020

Executive	Role	Salary	Bonus	Stock Awards	Option Awards	Incentive	Other	Total
Ralph Andretta	CEO	$913,846	$4,547,834	$5,313,281	—	$1,485,000	$40,027	$12,299,988
Ralph J. Andretta	President and Chief Executive Officer	$913,846	$4,547,834	$5,313,281	—	$1,485,000	$40,027	$12,299,988
Valerie Greer	EVP and Chief Commercial Officer	$309,231	$346,000	$888,559	—	$900,000	$7,175	$2,450,965
Charles L. Horn	EVP and Senior Advisor (Acting CEO from 1/1/20 until 2/3/2020)	$722,608	—	—	—	$1,300,000	$140,686	$2,211,728
Timothy King	Former EVP and Chief Financial Officer	$545,192	—	$876,484	—	$525,000	$49,597	$2,022,400
Joseph L. MotesIII	EVP, Chief Administrative Officer, General Counsel and Secretary	$519,231	$50,000	$834,801	—	$500,000	$49,575	$1,953,607
Joseph L. Motes III	EVP, Chief Administrative Officer, General Counsel and Secretary	$519,231	$50,000	$834,801	—	$500,000	$49,575	$1,953,607
Tammy McConnaughey	EVP, Operations & Credit Risk	$452,886	$60,570	$882,592	—	$439,430	$46,635	$1,914,959

Fiscal 2019

Executive	Role	Salary	Bonus	Stock Awards	Option Awards	Incentive	Other	Total
Edward J. Heffernan	Former President and Chief Executive Officer	$530,769	—	$7,767,083	—	—	$3,363,806	$12,137,123
Melisa A. Miller	Former President and Chief Executive Officer	$682,692	—	$2,493,877	—	—	$4,282,072	$7,599,100
Bryan J. Kennedy	Former Executive Vice President and President, Epsilon	$332,308	$1,100,000	$2,374,362	—	—	$57,833	$3,965,368
Bryan A. Pearson	Former Executive Vice President and President, LoyaltyOne	$318,805	—	$2,408,658	—	—	$294,077	$3,089,200
Charles L. Horn	EVP and Senior Advisor (Acting CEO from 1/1/20 until 2/3/2020)	$667,000	$1,846,154	—	—	—	$104,709	$2,645,684
Timothy King	Former EVP and Chief Financial Officer	$443,068	—	$1,130,851	—	—	$44,303	$1,632,178
Laura Santillan	Senior Vice President and Chief Accounting Officer	$353,885	$502,200	$659,930	—	—	$24,726	$1,552,706
Joseph L. MotesIII	EVP, Chief Administrative Officer, General Counsel and Secretary	$403,846	$500,000	$566,635	—	—	$44,550	$1,515,031
Joseph L. Motes III	EVP, Chief Administrative Officer, General Counsel and Secretary	$403,846	$500,000	$566,635	—	—	$44,550	$1,515,031
John J. Chesnut	Senior Vice President and Treasurer	$332,080	$304,960	$620,438	—	—	$32,416	$1,295,755

Fiscal 2018

Executive	Role	Salary	Bonus	Stock Awards	Option Awards	Incentive	Other	Total
Edward J. Heffernan	Former President and Chief Executive Officer	$1,150,000	—	$7,113,615	—	$1,120,963	$60,569	$9,978,474
Melisa A. Miller	Former President and Chief Executive Officer	$639,627	—	$2,284,009	—	$548,480	$45,231	$3,654,015
Bryan J. Kennedy	Former Executive Vice President and President, Epsilon	$639,627	—	$2,174,514	—	$337,280	$44,671	$3,293,225
Bryan A. Pearson	Former Executive Vice President and President, LoyaltyOne	$478,253	—	$2,206,039	—	$130,146	$105,785	$2,908,651
Charles L. Horn	EVP and Senior Advisor (Acting CEO from 1/1/20 until 2/3/2020)	$666,592	—	$1,793,915	—	$371,519	$37,773	$2,899,280

Fiscal 2017

Executive	Role	Salary	Bonus	Stock Awards	Option Awards	Incentive	Other	Total
Edward J. Heffernan	Former President and Chief Executive Officer	$1,150,000	—	$7,805,256	—	$1,393,800	$33,511	$10,882,813
Melisa A. Miller	Former President and Chief Executive Officer	$620,600	—	$2,755,542	—	$708,725	$36,609	$4,243,411
Bryan J. Kennedy	Former Executive Vice President and President, Epsilon	$620,600	$437,523	$2,706,431	—	$336,986	$33,842	$4,216,427
Bryan A. Pearson	Former Executive Vice President and President, LoyaltyOne	$505,766	—	$2,797,736	—	$70,341	$121,637	$3,541,319
Charles L. Horn	Executive Vice President and Senior Advisor (Acting Chief Executive Officer at 12/31/2019)	$645,800	—	$2,228,920	—	$521,806	$30,480	$3,456,990

Executive changes

Person	Role	Change	Effective	Filed
Valerie Greer	Executive Vice President and Chief Commercial Officer	Retired	2027-02-19	2026-07-14
Praniti Lakhwara	director and member of the Risk & Technology Committee	Appointed	2024-06-10	2024-06-11
Joyce St. Clair	director	Appointed	2023-07-10	2023-07-11

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