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BFH

Bread Financial Holdings Inc

Nov 07 • 04:00PM ET

63.58

-0.28 -0.44 %

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	6.47	EPS (ttm)	9.82	Insider Own	1.38%	Shs Outstand	46.00M	Perf Week	1.48%
Market Cap	2.90B	Forward P/E	6.67	EPS next Y	9.53	Insider Trans	0.16%	Shs Float	45.03M	Perf Month	13.92%
Enterprise Value	-	PEG	0.44	EPS next Q	0.33	Inst Own	106.79%	Short Float	11.45%	Perf Quarter	8.94%
Income	472.00M	P/S	0.62	EPS this Y	33.45%	Inst Trans	-1.21%	Short Ratio	7.74	Perf Half Y	25.98%
Sales	4.68B	P/B	0.88	EPS next Y	-6.02%	ROA	2.19%	Short Interest	5.16M	Perf YTD	4.13%
Book/sh	72.11	P/C	-	EPS next 5Y	14.71%	ROE	14.81%	52W High	68.01 -6.51%	Perf Year	20.51%
Cash/sh	-	P/FCF	1.47	EPS past 3/5Y	-30.00% -	ROIC	8.18%	52W Low	38.21 66.40%	Perf 3Y	79.40%
Dividend Est.	0.86 (1.36%)	EV/EBITDA	-	Sales past 3/5Y	9.41% -3.02%	Gross Margin	-	Volatility	2.82% 3.54%	Perf 5Y	44.27%
Dividend TTM	0.86 (1.35%)	EV/Sales	-	EPS Y/Y TTM	58.34%	Oper. Margin	11.55%	ATR (14)	2.04	Perf 10Y	-73.19%
Dividend Ex-Date	Nov 07, 2025	Quick Ratio	-	Sales Y/Y TTM	-4.32%	Profit Margin	10.09%	RSI (14)	56.41	Recom	2.67
Dividend Gr. 3/5Y	0.00% -19.73%	Current Ratio	1.50	EPS Q/Q	9996.68%	SMA20	2.55%	Beta	1.27	Target Price	71.07
Payout	15.28%	Debt/Eq	1.14	Sales Q/Q	-3.12%	SMA50	3.66%	Rel Volume	1.25	Prev Close	63.86
Employees	6000	LT Debt/Eq	0.74	Earnings	Oct 23 BMO	SMA200	12.44%	Avg Volume	665.76K	Price	63.58
IPO	Jun 08, 2001	Option/Short	Yes / Yes	EPS/Sales Surpr.	90.28% 0.30%	Trades		Volume	829,090	Change	-0.44%

Date	Action	Analyst	Rating Change	Price Target Change
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
Sep-05-23	Downgrade	RBC Capital Mkts	Outperform → Sector Perform	$46 → $43
Mar-17-23	Downgrade	Keefe Bruyette	Outperform → Mkt Perform	$60 → $35
Jan-05-23	Upgrade	Stephens	Equal-Weight → Overweight	$64

Show Previous Ratings

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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05:51AM	New Strong Buy Stocks for Oct. 28: NCNO, VRT, and More (Zacks)
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)
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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)
12:01AM	2 Reasons to Sell BFH and 1 Stock to Buy Instead (StockStory)
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)
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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)
Aug-20-25 12:32AM	1 Financials Stock with Promising Prospects and 2 We Ignore (StockStory)
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)
May-13-25 07:00AM	Bread Financial Provides Performance Update for April 2025 (GlobeNewswire)
May-12-25 07:30AM	Bread Financials 2024 Sustainability Report showcases focus, investment in sustainable business practices (GlobeNewswire) +6.99%
May-09-25 11:01AM	Coinbase Q1 Earnings Beat, Revenues Miss Estimates, Volumes Rise Y/Y (Zacks)
May-05-25 09:18AM	Bread Financial, Bob Woodruff Foundation Announce Multiyear Mission to Improve Mental Health Care for Children in Military Families (PR Newswire)
May-02-25 10:10AM	Blue Owl Capital to Report Q1 Earnings: What Do the Estimates Say? (Zacks)
Apr-25-25 11:34AM	Bread Financial Q1 Earnings, Revenues Top Estimates, Credit Sales Rise (Zacks)
Apr-24-25 02:57PM	Bread Financial Holdings, Inc. (BFH) Q1 2025 Earnings Call Transcript (Seeking Alpha)
01:02PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
09:30AM	Compared to Estimates, Bread Financial (BFH) Q1 Earnings: A Look at Key Metrics (Zacks)
07:55AM	Bread Financial Holdings (BFH) Q1 Earnings and Revenues Top Estimates (Zacks)
06:55AM	Bread Financial: Q1 Earnings Snapshot (Associated Press Finance)
06:55AM	Bread Financial Provides Performance Update for March 2025 (GlobeNewswire)
06:50AM	Crypto.com Selects Bread Financial to Launch New Crypto-based Rewards Credit Card Program in the U.S. (GlobeNewswire)
06:45AM	Bread Financial Reports First Quarter 2025 Results (GlobeNewswire)
06:40AM	Bread Financial Declares Dividend on Common Stock (GlobeNewswire)
Apr-18-25 10:00AM	Earnings Preview: Lazard (LAZ) Q1 Earnings Expected to Decline (Zacks)
Apr-17-25 10:00AM	Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Can the Stock Move Higher? (Zacks)
Apr-10-25 09:38AM	Bread Financial (BFH) Surges 12.7%: Is This an Indication of Further Gains? (Zacks) -8.06%
Apr-09-25 07:28PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research) +12.67%
Apr-08-25 07:30AM	Bread Financial Schedules First Quarter 2025 Earnings Conference Call for Apr. 24 (GlobeNewswire)
Apr-04-25 08:25PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research) -6.54%
Mar-30-25 09:05AM	Hartford Small Cap Value Fund Q4 2024 Commentary (Seeking Alpha)
Mar-25-25 08:31AM	Here's Why Bread Financial Holdings (BFH) Surged in Q4 and 2024 (InsiderMonkey)
Mar-17-25 08:12AM	Bread Financial Provides Performance Update for February 2025 (GlobeNewswire)
Mar-05-25 07:06PM	Bread Financial Announces Pricing of Private Offering of $400 million of Subordinated Notes (GlobeNewswire)
07:43AM	Bread Financial Announces Approval of $150 Million Share Repurchase Program (GlobeNewswire)
07:30AM	Bread Financial Announces Private Offering of Subordinated Notes (GlobeNewswire)
Feb-28-25 04:50PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
Feb-25-25 08:21AM	Bread Financial to Participate in the 2025 RBCCM Global Financial Institutions Conference (GlobeNewswire)
Feb-14-25 09:00AM	A Consumer Financial Watchdogs Fate Is Unclear. Heres Whats at Stake. (The Wall Street Journal)
Feb-11-25 07:00AM	Bread Financial Provides Performance Update for January 2025 (GlobeNewswire)
Feb-06-25 08:15AM	Bread Financial partners with ChargeAfter for payment options (TipRanks)
Feb-05-25 08:00AM	ChargeAfter Teams Up with Bread Financial to Offer Flexible Payment Options through its Embedded Lending Network (GlobeNewswire)
Feb-04-25 07:30AM	Bread Financial to Participate in the BofA Securities 2025 Financial Services Conference (GlobeNewswire)
Jan-31-25 02:52PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)

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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