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BFH

Bread Financial Holdings Inc

Jan 08 • 04:00PM ET

81.25

+1.27 1.59 %

Financial • Credit Services • USA • NYSE

Peers: COF DFS AXP SYF ALLY CACC GDOT LC LPRO UPST

| Held by: IJR AVUV VTI VB IWM VBR VXF IJS SPSM IWN

Scroll to Statements

Index	RUT	P/E	8.27	EPS (ttm)	9.82	Insider Own	2.67%	Shs Outstand	46.00M	Perf Week	9.75%
Market Cap	3.71B	Forward P/E	8.46	EPS next Y	9.60	Insider Trans	0.08%	Shs Float	44.44M	Perf Month	12.19%
Enterprise Value	-	PEG	0.57	EPS next Q	0.35	Inst Own	107.83%	Short Float	11.69%	Perf Quarter	47.67%
Income	472.00M	P/S	0.79	EPS this Y	35.67%	Inst Trans	0.98%	Short Ratio	6.86	Perf Half Y	29.88%
Sales	4.68B	P/B	1.13	EPS next Y	-6.90%	ROA	2.19%	Short Interest	5.20M	Perf YTD	9.75%
Book/sh	72.11	P/C	-	EPS next 5Y	14.72%	ROE	14.81%	52W High	80.43 1.02%	Perf Year	31.52%
Cash/sh	-	P/FCF	1.88	EPS past 3/5Y	-30.00% -	ROIC	8.18%	52W Low	38.21 112.64%	Perf 3Y	114.15%
Dividend Est.	0.87 (1.07%)	EV/EBITDA	-	Sales past 3/5Y	9.41% -3.02%	Gross Margin	-	Volatility	3.25% 2.37%	Perf 5Y	37.47%
Dividend TTM	0.86 (1.06%)	EV/Sales	-	EPS Y/Y TTM	58.34%	Oper. Margin	11.55%	ATR (14)	1.92	Perf 10Y	-63.20%
Dividend Ex-Date	Nov 07, 2025	Quick Ratio	-	Sales Y/Y TTM	-4.32%	Profit Margin	10.09%	RSI (14)	75.83	Recom	2.68
Dividend Gr. 3/5Y	0.00% -19.73%	Current Ratio	1.50	EPS Q/Q	9996.68%	SMA20	6.24%	Beta	1.26	Target Price	80.00
Payout	15.28%	Debt/Eq	1.14	Sales Q/Q	-3.12%	SMA50	16.44%	Rel Volume	0.92	Prev Close	79.98
Employees	6000	LT Debt/Eq	0.74	Earnings	Oct 23 BMO	SMA200	36.22%	Avg Volume	757.36K	Price	81.25
IPO	Jun 08, 2001	Option/Short	Yes / Yes	EPS/Sales Surpr.	90.28% 0.30%	Trades		Volume	695,396	Change	1.59%

Date	Action	Analyst	Rating Change	Price Target Change
Today	Initiated	UBS	Buy	$92
Dec-08-25	Resumed	Wolfe Research	Peer Perform
Dec-04-25	Downgrade	JP Morgan	Neutral → Underweight	$72
Jul-14-25	Upgrade	BTIG Research	Neutral → Buy	$105
Apr-07-25	Downgrade	Morgan Stanley	Overweight → Underweight	$33
Dec-19-24	Upgrade	Morgan Stanley	Underweight → Overweight	$35 → $76
Aug-09-24	Upgrade	BofA Securities	Neutral → Buy	$54
Jul-16-24	Initiated	Compass Point	Buy	$54
Jun-20-24	Upgrade	Evercore ISI	Underperform → In-line	$42 → $45
Jun-07-24	Initiated	BTIG Research	Neutral
May-02-24	Upgrade	Keefe Bruyette	Mkt Perform → Outperform	$38 → $67
May-01-24	Downgrade	Argus	Buy → Hold
Apr-04-24	Upgrade	Wolfe Research	Peer Perform → Outperform	$48
Jan-10-24	Initiated	BMO Capital Markets	Market Perform	$33
Jan-03-24	Downgrade	Evercore ISI	In-line → Underperform	$29 → $33
Dec-18-23	Downgrade	JP Morgan	Overweight → Neutral	$42 → $36
Dec-13-23	Downgrade	Morgan Stanley	Equal-Weight → Underweight	$31 → $25
Nov-15-23	Initiated	Barclays	Underweight	$24
Oct-05-23	Downgrade	BofA Securities	Buy → Neutral	$44 → $36
Oct-02-23	Downgrade	Goldman	Neutral → Sell	$44 → $32

Show Previous Ratings

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Jan-07-26 12:10PM	Will Bread Financial (BFH) Beat Estimates Again in Its Next Earnings Report? (Zacks)
Jan-06-26 09:40AM	Here's Why Bread Financial Holdings (BFH) is a Strong Value Stock (Zacks) +5.19%
Jan-02-26 02:23PM	BFH Outperforms Industry, Trades Near 52-Week High: Time to Hold? (Zacks)
Dec-31-25 09:50AM	Here's Why Bread Financial Holdings (BFH) is a Strong Momentum Stock (Zacks)
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Dec-24-25 11:03PM	2 Reasons to Avoid BFH and 1 Stock to Buy Instead (StockStory)
Dec-22-25 09:40AM	Is Bread Financial (BFH) Outperforming Other Finance Stocks This Year? (Zacks)
Dec-18-25 09:40AM	Why Bread Financial Holdings (BFH) is a Top Value Stock for the Long-Term (Zacks)
Dec-17-25 06:30PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
09:15AM	Bread Financial Holdings, Inc. (BFH) Hits Fresh High: Is There Still Room to Run? (Zacks)
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Dec-15-25 12:00PM	Bread Financial Holdings (BFH) is a Great Momentum Stock: Should You Buy? (Zacks)
11:40AM	BFH or AXP: Which Is the Better Value Stock Right Now? (Zacks)
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08:55AM	Despite Fast-paced Momentum, Bread Financial (BFH) Is Still a Bargain Stock (Zacks)
Dec-11-25 09:50AM	Why Bread Financial Holdings (BFH) is a Top Momentum Stock for the Long-Term (Zacks)
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Dec-09-25 05:30AM	Consumer Loans Are Getting Harder to Tally-and the Risks Harder to Gauge (The Wall Street Journal)
Dec-05-25 09:49AM	What Makes Bread Financial (BFH) an Attractive Stock? (Insider Monkey)
Dec-04-25 12:48PM	PRA Group Looks Like a Smart Buy Right Now With Tailwinds Building Up (Zacks)
09:40AM	Is Bank of America (BAC) Stock Outpacing Its Finance Peers This Year? (Zacks)
Nov-28-25 11:40AM	BFH vs. AXP: Which Stock Is the Better Value Option? (Zacks)
09:40AM	Here's Why Bread Financial Holdings (BFH) is a Strong Value Stock (Zacks)
08:55AM	Bread Financial (BFH) Is Attractively Priced Despite Fast-paced Momentum (Zacks)
Nov-27-25 09:15AM	Bread Financial Holdings, Inc. (BFH) Hit a 52 Week High, Can the Run Continue? (Zacks)
Nov-21-25 05:51PM	Bread Financial, Credit Acceptance, NerdWallet, Perella Weinberg, and Donnelley Financial Solutions Shares Skyrocket, What You Need To Know (StockStory)
Nov-18-25 09:50AM	Here's Why Bread Financial Holdings (BFH) is a Strong Momentum Stock (Zacks)
Nov-14-25 10:52AM	Implied Volatility Surging for Bread Financial Stock Options (Zacks)
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Nov-13-25 09:41AM	Bread Financial Holdings (BFH): Strong Position in Attractive Niches with Favorable Valuations (Insider Monkey)
Nov-12-25 11:40AM	BFH or AXP: Which Is the Better Value Stock Right Now? (Zacks)
09:40AM	Why Bread Financial Holdings (BFH) is a Top Value Stock for the Long-Term (Zacks)
08:55AM	Bread Financial (BFH) Shows Fast-paced Momentum But Is Still a Bargain Stock (Zacks)
Nov-10-25 08:16PM	RBC Capital Remains Bullish on Bread Financial Holdings (BFH) Amid Stable Outlook (Insider Monkey)
Nov-04-25 11:10AM	Bread CFO eyes new verticals after credit rating upgrade (CFO Dive)
Oct-31-25 11:00AM	Coinbase Q3 Earnings and Revenues Beat Estimates, Volumes Rise Y/Y (Zacks)
Oct-30-25 09:50AM	Why Bread Financial Holdings (BFH) is a Top Momentum Stock for the Long-Term (Zacks)
01:40AM	The 5 Most Interesting Analyst Questions From Bread Financial's Q3 Earnings Call (StockStory)
Oct-28-25 07:28AM	Best Value Stock to Buy for Oct. 28th (Zacks)
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Oct-27-25 11:40AM	BFH vs. BX: Which Stock Is the Better Value Option? (Zacks)
09:40AM	Are You a Value Investor? This 1 Stock Could Be the Perfect Pick (Zacks)
08:50AM	Fast-paced Momentum Stock Bread Financial (BFH) Is Still Trading at a Bargain (Zacks)
Oct-24-25 11:50AM	5 Broker-Liked Stocks to Watch Amid Impressive Start to Q3 Earnings (Zacks)
11:06AM	BFH Q3 Earnings & Revenues Beat Estimates, Credit Sales Rise Y/Y (Zacks)
01:33AM	BFH Q3 Deep Dive: Credit Metrics Improve, Home Vertical Expands, and Capital Returns Accelerate (StockStory)
Oct-23-25 03:09PM	Bread Financial Holdings Inc (BFH) Q3 2025 Earnings Call Highlights: Strong Net Income and ... (GuruFocus.com) +8.13%
02:17PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
10:00AM	Compared to Estimates, Bread Financial (BFH) Q3 Earnings: A Look at Key Metrics (Zacks)
08:57AM	Bread Financial (NYSE:BFH) Reports Q3 In Line With Expectations (StockStory)
07:55AM	Bread Financial Holdings (BFH) Beats Q3 Earnings and Revenue Estimates (Zacks)
06:59AM	Bread Financial: Q3 Earnings Snapshot (Associated Press Finance)
Oct-21-25 11:07PM	Bread Financial (BFH) Reports Q3: Everything You Need To Know Ahead Of Earnings (StockStory)
Oct-16-25 10:00AM	Bread Financial Holdings (BFH) Earnings Expected to Grow: What to Know Ahead of Next Week's Release (Zacks)
Oct-14-25 09:03AM	Are Options Traders Betting on a Big Move in Bread Financial Stock? (Zacks)
Oct-13-25 09:14AM	Will Lower ICS Profits Affect American Express' Q3 Earnings? (Zacks)
06:13AM	3 Financials Stocks We Find Risky (StockStory)
Oct-09-25 12:10PM	Will Bread Financial (BFH) Beat Estimates Again in Its Next Earnings Report? (Zacks)
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Oct-08-25 10:55AM	5 Broker-Friendly Stocks to Watch as Markets Move North Amid Shutdown (Zacks)
Oct-07-25 10:37AM	BFH Stock Trading at a Discount to Industry at 6.28X: Time to Hold? (Zacks)
Sep-22-25 09:40AM	Here's Why Bread Financial Holdings (BFH) is a Strong Value Stock (Zacks)
Sep-09-25 04:53PM	These 4 Mid-Caps Just Announced Big Buyback Plans (MarketBeat)
01:45PM	Why Bread Financial (BFH) Shares Are Trading Lower Today (StockStory)
09:50AM	Are You a Momentum Investor? This 1 Stock Could Be the Perfect Pick (Zacks)
Sep-04-25 11:37PM	Credit Card Stocks Q2 Earnings Review: Bread Financial (NYSE:BFH) Shines (StockStory)
Sep-03-25 11:30AM	PRA Group (PRAA) Up 8.6% Since Last Earnings Report: Can It Continue? (Zacks)
Sep-02-25 04:26PM	Why Bread Financial Holdings (BFH) is a Top Value Stock for the Long-Term (Zacks)
10:28AM	Bread Financial Stock Near 52-Week High: What Should Investors Do? (Zacks)
Aug-28-25 11:30AM	Marathon Digital (MARA) Down 4.2% Since Last Earnings Report: Can It Rebound? (Zacks)
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Aug-15-25 09:40AM	Are You a Value Investor? This 1 Stock Could Be the Perfect Pick (Zacks)
07:30AM	Bread Financial Provides Performance Update for July 2025 (GlobeNewswire)
Aug-07-25 07:30AM	Bread Financial Announces Early Tender Results of its Previously Announced Cash Tender Offers and Extends Total Consideration Through the Expiration Date (GlobeNewswire)
Aug-01-25 12:17PM	Coinbase Q2 Earnings and Revenues Miss Estimates, Volumes Rise Y/Y (Zacks) -6.10%
Jul-30-25 09:50AM	Why This 1 Momentum Stock Could Be a Great Addition to Your Portfolio (Zacks)
Jul-29-25 09:40AM	Why This 1 Value Stock Could Be a Great Addition to Your Portfolio (Zacks)
Jul-25-25 12:24PM	Bread Financial Q2 Earnings Beat, Revenues Miss, Credit Sales Rise (Zacks)
07:01AM	Bread Financial: Q2 Earnings Snapshot (Associated Press Finance)
Jul-24-25 12:31PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
08:00AM	Bread Financial Holdings (BFH) Tops Q2 Earnings Estimates (Zacks)
06:55AM	Bread Financial Provides Performance Update for June 2025 (GlobeNewswire)
06:50AM	Bread Financial Reports Second Quarter 2025 Results (GlobeNewswire)
06:45AM	Bread Financial Announces Modified Dutch Auction Cash Tender Offers for 9.750% Senior Notes Due 2029 and/or 8.375% Fixed-Rate Subordinated Notes due 2035 (GlobeNewswire)
06:40AM	Bread Financial Declares Dividend on Common Stock (GlobeNewswire)
Jul-22-25 09:00AM	Ulta Beauty Raises $2.4 Million for Big Brothers Big Sisters' Wellness Initiatives Across the Country (PR Newswire)
Jul-21-25 10:00AM	Rithm (RITM) Reports Next Week: Wall Street Expects Earnings Growth (Zacks)
Jul-17-25 10:00AM	Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Should You Buy? (Zacks)
Jul-16-25 07:30AM	Caesars Entertainment and Bread Financial Introduce New Caesars Rewards® Prestige Visa, a Premium-Level Credit Card Allowing Caesars Rewards Members to Earn Tier Status Faster and Unlock Luxury Rewards with Every Purchase (GlobeNewswire)
Jul-14-25 10:24AM	BTIG downgrades Affirm, PROG Holdings on credit risks (Investing.com)
Jul-09-25 02:42PM	Are Options Traders Betting on a Big Move in Bread Financial Stock? (Zacks)
12:10PM	Why Bread Financial (BFH) is Poised to Beat Earnings Estimates Again (Zacks)
Jul-08-25 07:30AM	Bread Financial Schedules Second Quarter 2025 Earnings Conference Call for July 24 (GlobeNewswire)
Jun-13-25 02:37PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research) -5.34%
Jun-11-25 07:00AM	Bread Financial Provides Performance Update for May 2025 (GlobeNewswire)
Jun-05-25 07:30AM	Bread Financial Announces Early Tender Results of Its Previously Announced Cash Tender Offer (GlobeNewswire)
Jun-04-25 07:30AM	Bread Financial to Participate in the Morgan Stanley US Financials Conference (GlobeNewswire)
May-21-25 07:30AM	Bread Financial Announces Modified Dutch Auction Cash Tender Offer for 9.750% Senior Notes Due 2029 (GlobeNewswire)

Bread Financial Holdings, Inc. is a tech-forward financial services company, which engages in the provision of payment, lending, and saving solutions. It offers private labels and co-brand credit cards and buy now, pay later products such as installment loans and split-pay offerings. The company was founded in 1996 and is headquartered in Columbus, OH.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Fawcett John J.	Director	Jul 30 '25	Buy	61.79	1,027	63,459	10,302	Aug 01 06:28 AM

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BFH

Bread Financial Holdings Inc

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