Bread Financial Holdings Management
Management criteria checks 3/4
Bread Financial Holdings' CEO is Ralph Andretta, appointed in Feb 2020, has a tenure of 4.83 years. total yearly compensation is $7.70M, comprised of 15% salary and 85% bonuses, including company stock and options. directly owns 0.24% of the company’s shares, worth R$45.30M. The average tenure of the management team and the board of directors is 3.4 years and 4.7 years respectively.
Key information
Ralph Andretta
Chief executive officer
US$7.7m
Total compensation
| CEO salary percentage | 15.0% |
| CEO tenure | 4.8yrs |
| CEO ownership | 0.2% |
| Management average tenure | 3.4yrs |
| Board average tenure | 4.7yrs |
Recent management updates
Recent updates
CEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Sep 30 2024 | n/a | n/a | US$316m |
| Jun 30 2024 | n/a | n/a | US$487m |
| Mar 31 2024 | n/a | n/a | US$417m |
| Dec 31 2023 | US$8m | US$1m | US$737m |
| Sep 30 2023 | n/a | n/a | US$559m |
| Jun 30 2023 | n/a | n/a | US$519m |
| Mar 31 2023 | n/a | n/a | US$468m |
| Dec 31 2022 | US$9m | US$1m | US$224m |
| Sep 30 2022 | n/a | n/a | US$418m |
| Jun 30 2022 | n/a | n/a | US$490m |
| Mar 31 2022 | n/a | n/a | US$740m |
| Dec 31 2021 | US$11m | US$1m | US$797m |
| Sep 30 2021 | n/a | n/a | US$743m |
| Jun 30 2021 | n/a | n/a | US$671m |
| Mar 31 2021 | n/a | n/a | US$446m |
| Dec 31 2020 | US$12m | US$914k | US$208m |
Compensation vs Market: Ralph's total compensation ($USD7.70M) is above average for companies of similar size in the BR market ($USD1.24M).
Compensation vs Earnings: Ralph's compensation has been consistent with company performance over the past year.
CEO
Ralph Andretta (66 yo)
4.8yrs
Tenure
US$7,697,586
Compensation
Mr. Ralph J. Andretta has been Chief Executive officer, President and Director at Bread Financial Holdings, Inc. (formerly known as Alliance Data Systems Corporation) since February 3, 2020. From 2011 to N...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 4.8yrs | US$7.70m | 0.24% R$ 45.3m | |
| Executive VP & CFO | 3.4yrs | US$3.00m | 0.038% R$ 7.2m | |
| Executive VP and Chief Credit Risk & Operations Officer | 3.9yrs | US$2.67m | 0.073% R$ 13.9m | |
| Executive VP | 9.4yrs | US$2.71m | 0.068% R$ 13.0m | |
| Executive VP & Chief Commercial Officer | 4.5yrs | US$3.00m | 0.079% R$ 15.1m | |
| Senior VP & Chief Accounting Officer | 3.1yrs | no data | 0.013% R$ 2.5m | |
| Executive VP & CTO | less than a year | no data | no data | |
| Head of Investor Relations | no data | no data | no data | |
| Senior VP | 2.3yrs | no data | no data | |
| Senior Vice President of Operational Excellence | 2.3yrs | no data | no data | |
| Senior Vice President of Digital Strategy & Experience | 3.9yrs | no data | no data | |
| Senior VP & Chief Risk Officer | less than a year | no data | no data |
3.4yrs
Average Tenure
58yo
Average Age
Experienced Management: A1LL34's management team is considered experienced (3.4 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 4.8yrs | US$7.70m | 0.24% R$ 45.3m | |
| Independent Chairman of the Board | 23.8yrs | US$448.60k | 0.036% R$ 6.9m | |
| Independent Director | 8.2yrs | US$398.65k | 0.0080% R$ 1.5m | |
| Independent Director | 4.5yrs | US$289.91k | 0.032% R$ 6.1m | |
| Independent Director | 5.5yrs | US$292.94k | 0.0035% R$ 660.1k | |
| Independent Director | 1.4yrs | US$169.89k | no data | |
| Independent Director | 9.5yrs | US$284.91k | 0.0080% R$ 1.5m | |
| Independent Director | less than a year | no data | 0.0060% R$ 1.1m | |
| Independent Director | 4.5yrs | US$270.65k | no data | |
| Independent Director | less than a year | no data | no data |
4.7yrs
Average Tenure
66yo
Average Age
Experienced Board: A1LL34's board of directors are considered experienced (4.7 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/30 07:29 |
| End of Day Share Price | 2024/12/30 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Bread Financial Holdings, Inc. is covered by 46 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kunaal Malde | Atlantic Equities LLP |
| Jeffrey Meuler | Baird |
| Darrin Peller | Barclays |