President and Chief Executive Officer Ralph Andretta joined Bread Financial in February 2020 and is responsible for the company’s growth, development and financial performance. With more than 30 years of experience driving positive results through a variety of macro-economic conditions, throughout his career, Ralph’s executive leadership approach has focused on empowering teams and leading organizations to deliver strong, sustainable growth.
Ralph successfully led Bread Financial through a multi-year business transformation, solidifying its position as a leading tech-forward financial services company. During this time he streamlined the company’s business model and oversaw a number of large-scale initiatives that included rebranding the business, modernizing its technology, acquiring a fintech and expanding its product offerings. In addition to championing the company’s brand promise of empowering customers and leading with transparent communication and empathy. Ralph has also fostered an award-winning culture focused on excellence, corporate responsibility and the associate experience.
Prior to joining Bread Financial, Ralph held positions in charge of loyalty, co-brand and product development at Citi, most recently as Managing Director and Head of U.S. Cards, where he oversaw significant client partnerships and product launches. His experience also includes having served as Global Affinity Products and International Card Executive with Bank of America, after spending 18 years with American Express in a number of operational and financial positions, both domestically and internationally.
Ralph is an executive committee member of the American Banker Association’s Card Policy Council and the Columbus Partnership. In the community, he is passionate about the advancement and support of women, children and veterans, serving on the board of trustees at the Women’s Sports Foundation (WSF) and on the board of directors at Nationwide Children’s Hospital and The Bob Woodruff Foundation. Ralph earned a bachelor’s degree in accounting and finance from Siena College. Outside of the office, he enjoys golf and tennis, and spending time with his wife and their two daughters.
What is Ralph J. Andretta's net worth?
The estimated net worth of Ralph J. Andretta is at least $51.69 million as of May 29th, 2026. Mr. Andretta owns 582,241 shares of Bread Financial stock worth more than $51,693,685 as of June 3rd. This net worth approximation does not reflect any other assets that Mr. Andretta may own. Learn More about Ralph J. Andretta's net worth.
How do I contact Ralph J. Andretta?
Has Ralph J. Andretta been buying or selling shares of Bread Financial?
During the last ninety days, Ralph J. Andretta has sold $1,336,500.00 in Bread Financial stock. Most recently, Ralph J. Andretta sold 15,000 shares of the business's stock in a transaction on Friday, May 29th. The shares were sold at an average price of $89.10, for a transaction totalling $1,336,500.00. Following the completion of the sale, the chief executive officer now directly owns 582,241 shares of the company's stock, valued at $51,877,673.10. Learn More on Ralph J. Andretta's trading history.
Who are Bread Financial's active insiders?
Are insiders buying or selling shares of Bread Financial?
During the last year, Bread Financial insiders bought shares 2 times. They purchased a total of 1,725 shares worth more than $123,786.47. During the last year, insiders at the sold shares 2 times. They sold a total of 24,687 shares worth more than $2,211,429.84. The most recent insider tranaction occured on May, 29th when CEO Ralph J Andretta sold 15,000 shares worth more than $1,336,500.00. Insiders at Bread Financial own 1.3% of the company.
Learn More about insider trades at Bread Financial. Information on this page was last updated on 5/29/2026.
