BFH

Bread Financial Holdings Inc

Oct 20 • 04:00PM ET

59.93

+0.90 1.52 %

Financial • Credit Services • USA • NYSE

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

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

Index	RUT	P/E	10.15	EPS (ttm)	5.90	Insider Own	1.38%	Shs Outstand	46.60M	Perf Week	6.22%
Market Cap	2.80B	Forward P/E	6.58	EPS next Y	9.11	Insider Trans	0.16%	Shs Float	46.00M	Perf Month	-5.56%
Enterprise Value	-	PEG	0.85	EPS next Q	2.17	Inst Own	104.43%	Short Float	10.61%	Perf Quarter	-4.68%
Income	286.00M	P/S	0.59	EPS this Y	12.42%	Inst Trans	-1.04%	Short Ratio	7.51	Perf Half Y	31.43%
Sales	4.71B	P/B	0.88	EPS next Y	6.60%	ROA	1.32%	Short Interest	4.88M	Perf YTD	-1.85%
Book/sh	67.94	P/C	-	EPS next 5Y	11.93%	ROE	9.19%	52W High	68.01 -11.88%	Perf Year	12.80%
Cash/sh	-	P/FCF	1.53	EPS past 3/5Y	-30.00% -	ROIC	3.87%	52W Low	38.21 56.84%	Perf 3Y	85.43%
Dividend Est.	0.84 (1.40%)	EV/EBITDA	-	Sales past 3/5Y	9.41% -3.02%	Gross Margin	-	Volatility	3.44% 3.12%	Perf 5Y	50.09%
Dividend TTM	0.84 (1.40%)	EV/Sales	-	EPS Y/Y TTM	-38.33%	Oper. Margin	8.15%	ATR (14)	1.87	Perf 10Y	-73.07%
Dividend Ex-Date	Aug 08, 2025	Quick Ratio	-	Sales Y/Y TTM	-4.15%	Profit Margin	6.07%	RSI (14)	53.91	Recom	2.62
Dividend Gr. 3/5Y	0.00% -19.73%	Current Ratio	1.27	EPS Q/Q	11.15%	SMA20	4.40%	Beta	1.49	Target Price	67.71
Payout	15.28%	Debt/Eq	1.34	Sales Q/Q	-2.47%	SMA50	-1.44%	Rel Volume	0.92	Prev Close	59.03
Employees	6000	LT Debt/Eq	1.34	Earnings	Oct 23 BMO	SMA200	6.30%	Avg Volume	650.06K	Price	59.93
IPO	Jun 08, 2001	Option/Short	Yes / Yes	EPS/Sales Surpr.	60.33% -0.77%	Trades		Volume	601,292	Change	1.52%

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

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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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)
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)
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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)
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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)
02:32AM	Bread Financial Holdings Inc (BFH) Q4 2024 Earnings Call Highlights: Navigating Challenges with ... (GuruFocus.com)
Jan-30-25 11:44PM	Q4 2024 Bread Financial Holdings Inc Earnings Call (Thomson Reuters StreetEvents)
12:54PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
11:00AM	Bread Financial (BFH) Reports Q4 Earnings: What Key Metrics Have to Say (Zacks)
08:25AM	Bread Financial Holdings (BFH) Q4 Earnings Surpass Estimates (Zacks)
07:36AM	Bread Financial: Q4 Earnings Snapshot (Associated Press Finance)
06:55AM	Bread Financial Provides Performance Update for December 2024 (GlobeNewswire)
06:50AM	Bread Financial Reports Fourth Quarter and Full Year 2024 Results (GlobeNewswire)
06:45AM	Bread Financial Declares Dividend on Common Stock (GlobeNewswire)
Jan-29-25 08:50AM	Why Fast-paced Mover Bread Financial (BFH) Is a Great Choice for Value Investors (Zacks)
Jan-23-25 10:00AM	Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Should You Buy? (Zacks)
Jan-15-25 08:06PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
Jan-10-25 07:31PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
Jan-07-25 07:30AM	Bread Financial Schedules Fourth Quarter and Full Year 2024 Earnings Conference Call for Jan. 30 (GlobeNewswire)
Dec-28-24 06:10PM	Morgan Stanley boosts consumer finance outlook for 2025 (Investing.com)
Dec-11-24 07:00AM	Bread Financial Provides Performance Update for November 2024 (GlobeNewswire)
Dec-05-24 07:37PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
10:00AM	Hard Rock International Announces Unity by Hard Rock Mastercard Credit Card for Loyalty Program Members (PR Newswire)
Dec-04-24 07:30AM	Bread Financial to Participate in Goldman Sachs Financial Services Conference 2024 (GlobeNewswire)
Dec-02-24 06:30AM	Bread Financial Announces $25 Million Increase to 2024 Share Repurchase Program (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
Fawcett John J.	Director	Oct 28 '24	Buy	51.02	1,000	51,020	6,473	Oct 30 04:06 PM

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BFH

Bread Financial Holdings Inc

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