John Gerspach - Bread Financial Independent Director
| BFH Stock | USD 58.90 0.83 1.43% |
Insider
John Gerspach is Independent Director of Bread Financial Holdings
| Age | 66 |
| Address | 3095 Loyalty Circle, Columbus, OH, United States, 43219 |
| Phone | 614 729 4000 |
| Web | https://www.breadfinancial.com |
John Gerspach Latest Insider Activity
Tracking and analyzing the buying and selling activities of John Gerspach against Bread Financial stock is an integral part of due diligence when investing in Bread Financial. John Gerspach insider activity provides valuable insight into whether Bread Financial is net buyers or sellers over its current business cycle. Note, Bread Financial insiders must abide by specific rules, including filing SEC forms every time they buy or sell Bread Financial'sshares to prevent insider trading or benefiting illegally from material non-public information that their positions give them access to.
John Gerspach over six months ago Acquisition by John Gerspach of 1025 shares of Bread Financial subject to Rule 16b-3 |
Bread Financial Management Efficiency
The company has Return on Asset of 0.0146 % which means that on every $100 spent on assets, it made $0.0146 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1058 %, implying that it generated $0.1058 on every 100 dollars invested. Bread Financial's management efficiency ratios could be used to measure how well Bread Financial manages its routine affairs as well as how well it operates its assets and liabilities. The Bread Financial's current Return On Capital Employed is estimated to increase to 0.08, while Return On Tangible Assets are projected to decrease to 0.03. As of now, Bread Financial's Debt To Assets are decreasing as compared to previous years.Similar Executives
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Management Performance
| Return On Equity | 0.11 | ||||
| Return On Asset | 0.0146 |
Bread Financial Holdings Leadership Team
Elected by the shareholders, the Bread Financial's board of directors comprises two types of representatives: Bread Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Bread. The board's role is to monitor Bread Financial's management team and ensure that shareholders' interests are well served. Bread Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Bread Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Allegra Driscoll, Executive CTO | ||
| Rajesh Natarajan, Independent Director | ||
| Ralph Andretta, President, Chief Executive Officer, Director | ||
| Sharen Turney, Independent Director | ||
| Wes Hunt, Senior Excellence | ||
| Greg Betchkal, Chief Officer | ||
| Mike Boghosian, Senior Officer | ||
| Robert Esque, Senior Officer | ||
| Jonathan Campbell, Senior Officer | ||
| Brandy Sullivan, Chief VP | ||
| Dashon Williford, Senior Experience | ||
| Laurie Tucker, Independent Director | ||
| John Chesnut, Senior Vice President Treasurer | ||
| Brian Vereb, Head Relations | ||
| Timothy Theriault, Independent Director | ||
| Tammy McConnaughey, Executive Vice President Operations and Credit Risk, Card Services | ||
| John Gerspach, Independent Director | ||
| Perry Beberman, Chief Financial Officer, Vice President | ||
| Joseph III, Chief VP | ||
| Charles Horn, Executive Vice President Senior Advisor | ||
| J Campbell, Senior Vice President Chief Accounting Officer | ||
| Joseph Motes, Executive Vice President Chief Administrative Officer, General Counsel, Secretary | ||
| Matt Brown, Senior CTO | ||
| Roger Ballou, Non-Executive Independent Chairman of the Board | ||
| Valerie Greer, Executive Vice President Chief Commercial Officer, Card Services |
Bread Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Bread Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.11 | ||||
| Return On Asset | 0.0146 | ||||
| Profit Margin | 0.13 % | ||||
| Operating Margin | 0.07 % | ||||
| Current Valuation | 4.02 B | ||||
| Shares Outstanding | 49.72 M | ||||
| Shares Owned By Insiders | 0.70 % | ||||
| Shares Owned By Institutions | 99.30 % | ||||
| Number Of Shares Shorted | 3.38 M | ||||
| Price To Earning | 3.78 X |
Currently Active Assets on Macroaxis
When determining whether Bread Financial Holdings offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bread Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bread Financial Holdings Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bread Financial Holdings Stock:Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bread Financial Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census. You can also try the ETFs module to find actively traded Exchange Traded Funds (ETF) from around the world.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bread Financial. If investors know Bread will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bread Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.99) | Dividend Share 0.84 | Earnings Share 6.34 | Revenue Per Share 49.838 | Quarterly Revenue Growth (0.15) |
The market value of Bread Financial Holdings is measured differently than its book value, which is the value of Bread that is recorded on the company's balance sheet. Investors also form their own opinion of Bread Financial's value that differs from its market value or its book value, called intrinsic value, which is Bread Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bread Financial's market value can be influenced by many factors that don't directly affect Bread Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Bread Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Bread Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bread Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.