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BFH

Bread Financial Holdings Inc

Apr 16 • 04:00PM ET

84.52

+1.37 1.65 %

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 SPSM IJS IWN

Scroll to Statements

Index	RUT	P/E	7.80	EPS (ttm)	10.84	Insider Own	3.16%	Shs Outstand	44.10M	Perf Week	5.98%
Market Cap	3.64B	Forward P/E	7.07	EPS next Y	11.96	Insider Trans	0.00%	Shs Float	41.75M	Perf Month	17.49%
Enterprise Value	-	PEG	1.63	EPS next Q	3.06	Inst Own	109.21%	Short Float	8.89%	Perf Quarter	22.49%
Income	518.00M	P/S	0.78	EPS this Y	-15.48%	Inst Trans	-4.73%	Short Ratio	4.85	Perf Half Y	42.67%
Sales	4.70B	P/B	1.12	EPS next Y	16.39%	ROA	2.29%	Short Interest	3.71M	Perf YTD	14.17%
Book/sh	75.44	P/C	-	EPS next 5Y	4.34%	ROE	16.37%	52W High	83.92 0.72%	Perf Year	84.26%
Cash/sh	-	P/FCF	1.76	EPS past 3/5Y	34.63% 19.49%	ROIC	8.62%	52W Low	44.57 89.63%	Perf 3Y	205.02%
Dividend Est.	0.93 (1.10%)	EV/EBITDA	-	Sales past 3/5Y	2.75% 4.34%	Gross Margin	-	Volatility	2.52% 3.25%	Perf 5Y	-3.48%
Dividend TTM	0.88 (1.04%)	EV/Sales	-	EPS Y/Y TTM	97.78%	Oper. Margin	13.07%	ATR (14)	2.65	Perf 10Y	-50.66%
Dividend Ex-Date	Feb 27, 2026	Quick Ratio	-	Sales Y/Y TTM	-1.90%	Profit Margin	11.03%	RSI (14)	69.78	Recom	2.44
Dividend Gr. 3/5Y	0.79% -7.35%	Current Ratio	0.09	EPS Q/Q	737.96%	SMA20	10.31%	Beta	1.12	Target Price	86.79
Payout	7.90%	Debt/Eq	1.32	Sales Q/Q	1.73%	SMA50	12.75%	Rel Volume	0.61	Prev Close	83.15
Employees	6000	LT Debt/Eq	0.81	Earnings	Apr 23 BMO	SMA200	25.07%	Avg Volume	765.47K	Price	84.52
IPO	Jun 08, 2001	Option/Short	Yes / Yes	EPS/Sales Surpr.	427.25% 2.27%	Trades		Volume	469,206	Change	1.65%

Date	Action	Analyst	Rating Change	Price Target Change
Today	Upgrade	Morgan Stanley	Underweight → Equal-Weight	$91
Feb-05-26	Upgrade	Evercore ISI	In-line → Outperform	$90
Jan-08-26	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

Show Previous Ratings

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Feb-20-26 12:46PM	StoneCo Stock Scores Relative Strength Rating Upgrade (Investor's Business Daily)
Feb-17-26 04:28PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
Feb-16-26 07:09PM	Bread Financial CFO: Resilient Middle America, Improving Credit, Loan Growth Ahead as Partners Scale (MarketBeat)
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Feb-13-26 10:36AM	Coinbase Q4 Earnings & Revenues Miss Estimates on Higher Expenses (Zacks)
Feb-05-26 11:00PM	Bread Financial (BFH): Buy, Sell, or Hold Post Q4 Earnings? (StockStory)
12:37AM	5 Revealing Analyst Questions From Bread Financial's Q4 Earnings Call (StockStory)
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Feb-02-26 09:39AM	Bread Financial Q4 Earnings and Revenues Top Estimates, Rise Y/Y (Zacks)
Jan-30-26 12:34AM	BFH Q4 Deep Dive: Product Diversification and Operational Discipline Drive Outperformance (StockStory)
Jan-29-26 08:42PM	Bread Financial Q4 Earnings Call Highlights (MarketBeat) +7.08%
04:02PM	Bread Financial Holdings Inc (BFH) Q4 2025 Earnings Call Highlights: Strong Financial ... (GuruFocus.com)
12:26PM	Why Are Bread Financial (BFH) Shares Soaring Today (StockStory)
11:30AM	Bread Financial (BFH) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
10:29AM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
09:27AM	Bread Financial (NYSE:BFH) Surprises With Q4 CY2025 Sales (StockStory)
08:05AM	Bread Financial Holdings (BFH) Beats Q4 Earnings and Revenue Estimates (Zacks)
07:17AM	Bread Financial: Q4 Earnings Snapshot (Associated Press Finance)
Jan-28-26 09:15AM	Unlocking Q4 Potential of Bread Financial (BFH): Exploring Wall Street Estimates for Key Metrics (Zacks)
Jan-27-26 10:04PM	What To Expect From Bread Financial's (BFH) Q4 Earnings (StockStory)
Jan-26-26 11:40AM	BFH vs. BAM: Which Stock Should Value Investors Buy Now? (Zacks)
10:06AM	Is Bread Financial Poised for a Beat This Earnings Season? (Zacks)
Jan-23-26 10:00AM	American Express (AXP) Reports Next Week: Wall Street Expects Earnings Growth (Zacks)
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Jan-22-26 10:00AM	Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Can the Stock Move Higher? (Zacks)
Jan-16-26 08:35PM	How a Rate Cap Would Shrink Credit-Card Rewards (Barrons.com) -5.14%
Jan-13-26 10:32PM	Q3 Earnings Highlights: Bread Financial (NYSE:BFH) Vs The Rest Of The Credit Card Stocks (StockStory)
01:44PM	Plastic Surgery: Winners and Losers of the Proposed 10% Interest Cap (MarketBeat)
Jan-12-26 07:32PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research) -10.68%
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Jan-08-26 08:49PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
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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)
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)
05:52AM	Best Value Stocks to Buy for Dec. 17 (Zacks)
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Dec-15-25 12:00PM	Bread Financial Holdings (BFH) is a Great Momentum Stock: Should You Buy? (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)
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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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)
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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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