Bread Financial Holdings (BFH) executive compensation, 2026 proxy

Ralph J. Andretta, President and Chief Executive Officer, was paid $11.9M in 2025, up 12% from $10.6M the year before. The CEO-to-median-employee pay ratio was 129:1, on median employee pay of $92,604.

Filed
April 7, 2026
Pay year
2025
Named executives
5
CEO total pay
$11.9M+12% vs prior year
CEO to median employee
129:1median $92,604
CEO pay in equity
59%$7M in awards
Prior say-on-pay support
95%of votes cast
CEO Target Pay Mix
63%Performance-based component
Average NEO Pay Mix
61%Performance-based component
Say-on-Pay Support
95%Prior support percentage

How Andretta was paid

$11.9M in total for 2025, as reported in the Summary Compensation Table. Equity awards are valued at grant, not at what they turned out to be worth.

Salary10%Stock awards59%Non-equity incentive29%All other compensation2%

Named executive officers

ExecutiveTotal
Ralph J. AndrettaPresident and Chief Executive Officer$11,921,231
Perry S. BebermanEVP and Chief Financial Officer$4,299,606
Allegra S. DriscollEVP - Chief Technology Officer$3,883,544
Valerie E. GreerEVP and Chief Commercial Officer$4,271,861
Joseph L. Motes IIIEVP, Chief Legal and Administrative Officer, and Secretary$3,736,479

What changed and why

  • $11.9MCEO total compensation increased to $11,921,231 for fiscal year 2025.
  • 63%Performance-based components comprised 63% of the CEO total direct compensation.
  • Performance-based RSUs were re-designed to incorporate EPS and rTSR metrics alongside ROTCE.
  • 95%Say-on-pay proposal received approximately 95% support from stockholders.
  • No discretionary cash bonuses were awarded to executives in fiscal year 2025.

About this page

Figures are automated and can be wrong; check the filing for the exact numbers. Totals follow SEC rules, which value stock and option awards at grant. Read the DEF 14A proxy statement for footnotes and the compensation committee's full reasoning.