BFH · Bread Financial Holdings, Inc.

$109.80 -2.54 (-2.26%) At close · Aug 6

Market Cap

$4.22B

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
Perry Beberman	CFO	$697,308	—	$1,805,037	—	$1,651,073	$146,188	$4,299,606
Valerie Greer	Chief Commercial Officer	$697,308	—	$1,805,037	—	$1,651,073	$118,443	$4,271,861
Allegra S. Driscoll	CTO	$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
Allegra S. Driscoll	CTO	$598,558	$1,100,000	$1,161,251	—	$1,137,500	$44,250	$4,041,559
Valerie Greer	Chief Commercial Officer	$663,846	—	$1,826,278	—	$1,296,750	$115,700	$3,902,574
Perry Beberman	CFO	$663,846	—	$1,826,278	—	$1,296,750	$104,699	$3,891,573
Joseph L. Motes III	General Counsel	$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 Andretta	CEO	$1,155,000	—	$4,039,912	—	$2,347,191	$155,483	$7,697,586
Valerie Greer	Chief Commercial Officer	$649,231	—	$1,171,000	—	$1,100,775	$83,091	$3,004,097
Perry Beberman	CFO	$648,462	—	$1,171,000	—	$1,100,775	$75,225	$2,995,462
Joseph L. Motes III	General Counsel	$643,846	—	$900,201	—	$1,092,308	$76,863	$2,713,218
Tammy McConnaughey	Executive Vice President of Operations and Credit Risk	$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 Andretta	CEO	$1,138,846	—	$4,840,698	—	$2,615,590	$99,548	$8,694,682
Perry Beberman	CFO	$625,385	—	$1,597,947	—	$1,188,905	$39,320	$3,451,557
Valerie Greer	Chief Commercial Officer	$636,923	—	$1,210,283	—	$1,207,776	$52,069	$3,107,051
Joseph L. Motes III	General Counsel	$625,384	—	$1,210,283	—	$1,188,905	$53,294	$3,077,866
Tammy McConnaughey	Executive Vice President of Operations and Credit Risk	$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
Joseph L. MotesIII	General Counsel	$592,308	$29,000	$2,422,007	—	$921,000	$45,623	$4,009,938
Joseph L. Motes III	General Counsel	$592,308	$29,000	$2,422,007	—	$921,000	$45,623	$4,009,938
Valerie Greer	Chief Commercial Officer	$618,462	$43,638	$2,069,298	—	$1,156,362	$39,913	$3,927,673
Tammy McConnaughey	Executive Vice President of Operations and Credit Risk	$541,495	$42,180	$1,881,141	—	$732,820	$41,908	$3,287,327
Timothy King	CFO	$148,385	—	$2,069,298	—	$290,025	$693,664	$3,232,289
Perry Beberman	CFO	$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
Valerie Greer	Chief Commercial Officer	$309,231	$346,000	$888,559	—	$900,000	$7,175	$2,450,965
Charles L. Horn	CEO	$722,608	—	—	—	$1,300,000	$140,686	$2,211,728
Timothy King	CFO	$545,192	—	$876,484	—	$525,000	$49,597	$2,022,400
Joseph L. MotesIII	General Counsel	$519,231	$50,000	$834,801	—	$500,000	$49,575	$1,953,607
Joseph L. Motes III	General Counsel	$519,231	$50,000	$834,801	—	$500,000	$49,575	$1,953,607
Tammy McConnaughey	Executive Vice President of Operations and 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	CEO	$530,769	—	$7,767,083	—	—	$3,363,806	$12,137,123
Melisa A. Miller	CEO	$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	CEO	$667,000	$1,846,154	—	—	—	$104,709	$2,645,684
Timothy King	CFO	$443,068	—	$1,130,851	—	—	$44,303	$1,632,178
Laura Santillan	Chief Accounting Officer	$353,885	$502,200	$659,930	—	—	$24,726	$1,552,706
Joseph L. MotesIII	General Counsel	$403,846	$500,000	$566,635	—	—	$44,550	$1,515,031
Joseph L. Motes III	General Counsel	$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	CEO	$1,150,000	—	$7,113,615	—	$1,120,963	$60,569	$9,978,474
Melisa A. Miller	CEO	$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	CEO	$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	CEO	$1,150,000	—	$7,805,256	—	$1,393,800	$33,511	$10,882,813
Melisa A. Miller	CEO	$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	CEO	$645,800	—	$2,228,920	—	$521,806	$30,480	$3,456,990

Executive changes

Person	Role	Change	Effective	Filed
Dennis McCarthy	Executive Vice President and Chief Revenue Officer	Appointed	—	2026-07-14
Valerie Greer	Executive Vice President and Chief Commercial Officer	Retired	2027-02-19	2026-07-14
Praniti Lakhwara	director	Appointed	2024-06-10	2024-06-11
Laurie A. Tucker	director	Appointed	2024-05-14	2024-05-15
Sharen J. Turney	director	Appointed	2024-05-14	2024-05-15
Joyce St. Clair	director	Appointed	2024-05-14	2024-05-15
Rajesh Natarajan	director	Appointed	2024-05-14	2024-05-15
Timothy J. Theriault	director	Appointed	2024-05-14	2024-05-15
John J. Fawcett	director	Appointed	2024-05-14	2024-05-15
John C. Gerspach, Jr.	director	Appointed	2024-05-14	2024-05-15
Roger H. Ballou	director	Appointed	2024-05-14	2024-05-15
Ralph J. Andretta	director	Appointed	2024-05-14	2024-05-15

Key facts CIK 1101215 CUSIP 018581108 13F (30d) 143 filings 128 filers Visit website Investor relations