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NEW: Price Reaction to Earnings Reports

View detailed tables showing price action before and after earnings announcements, ranging from intraday to one week out. Track how the market has reacted to past earnings to identify patterns and predict future behavior. Click here to open.

BFH

Bread Financial Holdings Inc

Dec 11 • 09:41AM ET

64.81

Dollar change +0.48
Percentage change 0.75	%

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

Scroll to Statements

Index	RUT	P/E	10.37	EPS (ttm)	6.25	Insider Own	2.40%	Shs Outstand	49.70M	Perf Week	6.05%
Market Cap	3.22B	Forward P/E	10.65	EPS next Y	6.09	Insider Trans	0.25%	Shs Float	48.52M	Perf Month	8.80%
Income	312.00M	PEG	-	EPS next Q	0.32	Inst Own	103.07%	Short Float	5.92%	Perf Quarter	36.73%
Sales	4.89B	P/S	0.66	EPS this Y	-51.25%	Inst Trans	-4.05%	Short Ratio	3.48	Perf Half Y	61.18%
Book/sh	62.62	P/B	1.04	EPS next Y	-15.31%	ROA	1.45%	Short Interest	2.87M	Perf Year	107.19%
Cash/sh	-	P/C	-	EPS next 5Y	-	ROE	10.54%	52W Range	28.00 - 65.27	Perf YTD	96.75%
Dividend Est.	0.84 (1.30%)	P/FCF	1.65	EPS past 5Y	-3.85%	ROI	4.05%	52W High	-0.70%	Beta	1.95
Dividend TTM	0.84 (1.30%)	Quick Ratio	-	Sales past 5Y	-0.94%	Gross Margin	-	52W Low	131.46%	ATR (14)	1.92
Dividend Ex-Date	Nov 08, 2024	Current Ratio	4.56	EPS Y/Y TTM	-41.66%	Oper. Margin	8.72%	RSI (14)	73.06	Volatility	2.87% 3.11%
Employees	7000	Debt/Eq	1.47	Sales Y/Y TTM	-0.51%	Profit Margin	6.38%	Recom	2.76	Target Price	61.31
Option/Short	Yes / Yes	LT Debt/Eq	1.47	EPS Q/Q	-98.85%	Payout	5.85%	Rel Volume	0.31	Prev Close	64.33
Sales Surprise	0.18%	EPS Surprise	-5.17%	Sales Q/Q	-2.48%	Earnings	Oct 24 BMO	Avg Volume	825.19K	Price	64.81
SMA20	8.52%	SMA50	17.83%	SMA200	38.56%	Trades		Volume	19,411	Change	0.75%

Date	Action	Analyst	Rating Change	Price Target Change
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
Oct-06-22	Initiated	Credit Suisse	Neutral	$38

Show Previous Ratings

Today 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)
08:05PM	Loading…
Nov-24-24 08:05PM	Bread Financial Holdings, Inc. (BFH): A Bull Case Theory (Insider Monkey)
Nov-14-24 07:00AM	Bread Financial Provides Performance Update for October 2024 (GlobeNewswire)
Nov-13-24 07:30PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
Nov-08-24 08:54AM	The Market Is Betting Trump Wont Fix High Card Rates (The Wall Street Journal)
Nov-07-24 07:30AM	Bread Financial to Participate in KBW's Fintech & Payments Conference (GlobeNewswire)
Nov-06-24 07:40PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research) +18.97%
Oct-25-24 07:19AM	Bread Financial Reports Q3 2024 Results and Strategic Moves (TipRanks)
07:00AM	Bread Financial Holdings Inc (BFH) Q3 2024 Earnings Call Highlights: Navigating Challenges with ... (GuruFocus.com)
Oct-24-24 01:07PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
11:00AM	Here's What Key Metrics Tell Us About Bread Financial (BFH) Q3 Earnings (Zacks)
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08:05AM	Bread Financial Holdings (BFH) Lags Q3 Earnings Estimates (Zacks)
06:59AM	Bread Financial: Q3 Earnings Snapshot (Associated Press Finance)
06:55AM	Bread Financial Provides Performance Update for September 2024 (GlobeNewswire)
06:50AM	Bread Financial Reports Third Quarter 2024 Results (GlobeNewswire)
06:45AM	Bread Financial Declares Dividend on Common Stock (GlobeNewswire)
Oct-17-24 10:01AM	Analysts Estimate Bread Financial Holdings (BFH) to Report a Decline in Earnings: What to Look Out for (Zacks)
Oct-08-24 07:30AM	Bread Financial Schedules Third Quarter 2024 Earnings Conference Call for Oct. 24 (GlobeNewswire)
Oct-04-24 10:29AM	Want to win Gen Z over? Plug in to trends and offer convenience (Fortune)
Sep-16-24 07:30AM	Bread Financial Provides Performance Update for August 2024 (GlobeNewswire)
Aug-27-24 07:30AM	Bread Financial to Participate in the Barclays 22nd Annual Global Financial Services Conference (GlobeNewswire)
Aug-19-24 09:49PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
Aug-15-24 07:30AM	Bread Financial Provides Performance Update for July 2024 (GlobeNewswire)
Aug-09-24 08:15AM	Bread Financial Announces Partial Repurchase of 4.25% Convertible Senior Notes Due 2028 (GlobeNewswire) +7.06%
Jul-31-24 07:45PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research) -6.96%
08:50AM	Despite Fast-paced Momentum, Bread Financial (BFH) Is Still a Bargain Stock (Zacks)
10:02AM	Loading…
Jul-26-24 10:02AM	Bread Financial (BFH) Q2 Earnings Top, Revenues Fall Y/Y (Zacks) +5.12%
Jul-25-24 02:40PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
10:30AM	Compared to Estimates, Bread Financial (BFH) Q2 Earnings: A Look at Key Metrics (Zacks)
08:10AM	Bread Financial Holdings (BFH) Q2 Earnings and Revenues Surpass Estimates (Zacks)
07:09AM	Bread Financial: Q2 Earnings Snapshot (Associated Press Finance)
06:55AM	Bread Financial Provides Performance Update for June 2024 (GlobeNewswire)
06:50AM	Bread Financial Reports Second Quarter 2024 Results (GlobeNewswire)
06:45AM	Bread Financial Declares Dividend on Common Stock (GlobeNewswire)
Jul-18-24 10:01AM	Bread Financial Holdings (BFH) Reports Next Week: Wall Street Expects Earnings Growth (Zacks)
Jul-17-24 07:30AM	Bread Financial Promotes Gender Equity with $1 Million Gift to the Women's Sports Foundation (GlobeNewswire)
Jul-09-24 07:30AM	Bread Financial Schedules Second Quarter 2024 Earnings Conference Call for July 25 (GlobeNewswire)
Jul-02-24 11:55AM	Is the Options Market Predicting a Spike in Bread Financial (BFH) Stock? (Zacks)
Jul-01-24 08:06AM	Here's Why Investors Should Hold Bread Financial (BFH) Now (Zacks)
Jun-21-24 12:22PM	Bread Financial (BFH) Soars 7.8%: Is Further Upside Left in the Stock? (Zacks)
Jun-20-24 08:30AM	Why Bread Financial (BFH) Stock Might be a Great Pick (Zacks) +7.81%
Jun-12-24 05:23PM	Saks Fifth Avenue Credit Card Portfolio to Transfer to Bread Financial (WWD)
07:30AM	Bread Financial Provides Performance Update for May 2024 (GlobeNewswire)
07:00AM	Bread Financial Signs Long-Term Agreement to Provide Dual Credit Card Program for Saks Fifth Avenue and Saks OFF 5TH (GlobeNewswire)
Jun-11-24 07:30AM	Praniti Lakhwara Appointed to Bread Financial 's Board of Directors (GlobeNewswire)
Jun-05-24 07:30AM	Bread Financial to Participate in the Morgan Stanley U.S. Financials, Payments & Commercial Real Estate Conference (GlobeNewswire)
Jun-04-24 07:30AM	Bread Financial to Host Investor Day on June 18 (GlobeNewswire)
May-31-24 02:21PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
09:41AM	Bread Financial (BFH) Up 43.3% in a Year: Will the Rally Last? (Zacks)
May-30-24 07:30AM	Bread Financial to Participate in the TD Cowen Financial Services & Fintech Summit (GlobeNewswire)
May-21-24 07:30AM	John J. Fawcett Appointed to Bread Financial 's Board of Directors (GlobeNewswire)
May-16-24 07:30AM	Bread Financial Releases 2023 Sustainability Report, Highlighting Company's Continued Commitment to Customers, Investors, Society and the Environment (GlobeNewswire)
May-15-24 06:48PM	Bread Financial Holdings (NYSE:BFH) Stock Is Rising, But Is It Worth Investors Dough? (TipRanks)
08:36AM	Bread Financial's Delinquency Rate Rises in April (MT Newswires)
07:30AM	Bread Financial Provides Performance Update for April 2024 (GlobeNewswire)
May-10-24 11:15PM	Morningstar \| A Weekly Summary of Stock Ideas and Developments in the Companies We Cover (Morningstar Research)
05:30AM	See Why Young Generations Are Driving This Big Travel Trend (Motley Fool)
May-09-24 02:41PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
May-02-24 07:07AM	Keefe, Bruyette & Woods Upgrades Bread Financial Holdings to Outperform From Market Perform (MT Newswires) +7.37%
May-01-24 11:43AM	Argus Downgrades Bread Financial Holdings to Hold From Buy (MT Newswires)
Apr-30-24 10:29AM	Bread Financial Holdings, Inc. (NYSE:BFH) Q1 2024 Earnings Call Transcript (Insider Monkey)
Apr-26-24 01:04PM	Bread Financial (BFH) Q1 Earnings Lag, Credit Sales Fall Y/Y (Zacks)
03:08AM	Bread Financial Holdings Inc (BFH) Q1 2024 Earnings Call Transcript Highlights: Navigating ... (GuruFocus.com)
Apr-25-24 10:36PM	Q1 2024 Bread Financial Holdings Inc Earnings Call (Thomson Reuters StreetEvents)
08:09PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
03:06PM	Bread Financial 'feverishly' preps for CFPB late-fee rule scenarios (American Banker)
02:18PM	Bread Financial Holdings Delinquency Rate Rises in March (MT Newswires)
10:30AM	Bread Financial (BFH) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
08:12AM	Bread Financial Holdings Inc (BFH) Faces Earnings Pressure Amid Economic Challenges (GuruFocus.com)
07:02AM	Bread Financial: Q1 Earnings Snapshot (Associated Press Finance)
06:55AM	Bread Financial Provides Performance Update for March 2024 (GlobeNewswire)
06:50AM	Bread Financial Reports First Quarter 2024 Results (GlobeNewswire)
06:45AM	Bread Financial Declares Dividend on Common Stock (GlobeNewswire)
Apr-18-24 10:02AM	Analysts Estimate Bread Financial Holdings (BFH) to Report a Decline in Earnings: What to Look Out for (Zacks)
Apr-09-24 07:30AM	Bread Financial(TM) Schedules First Quarter 2024 Earnings Conference Call for April 25 (GlobeNewswire)
Mar-13-24 07:00AM	Bread Financial Provides Performance Update For February 2024 (GlobeNewswire)
Feb-29-24 08:53AM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
Feb-28-24 07:30AM	Bread Financial to Participate in the 2024 RBC Capital Markets Financial Institutions Conference and the Wolfe FinTech Forum 2024 (GlobeNewswire)
Feb-26-24 07:11AM	3 Stocks on My Radar as We Head Into March (Motley Fool)
Feb-21-24 07:30AM	Bread Financial Announces Approval of $30 Million Share Repurchase Program (GlobeNewswire)
Feb-19-24 06:46PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
Feb-15-24 07:30AM	Bread Financial Provides Performance Update for January 2024 (GlobeNewswire)
Feb-13-24 07:30AM	Bread Financial to Participate in the Bank of America 2024 Financial Services Conference and KBW's 2024 Fintech & Payments Conference (GlobeNewswire)
Jan-29-24 08:14AM	Time to Pull the Trigger, Says Oppenheimer About These 3 Stocks (TipRanks)
Jan-27-24 10:31AM	Bread Financial Holdings, Inc. (NYSE:BFH) Q4 2023 Earnings Call Transcript (Insider Monkey)
Jan-26-24 01:02PM	Bread Financial (BFH) Q4 Earnings Beat, Revenues Fall Y/Y (Zacks) +8.70%
Jan-25-24 10:57PM	Q4 2023 Bread Financial Holdings Inc Earnings Call (Thomson Reuters StreetEvents) +6.98%
11:43AM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
10:00AM	Here's What Key Metrics Tell Us About Bread Financial (BFH) Q4 Earnings (Zacks)
08:00AM	Bread Financial Holdings (BFH) Tops Q4 Earnings and Revenue Estimates (Zacks)
07:18AM	Bread Financial Holdings Inc (BFH) Reports Mixed 2023 Results Amid Economic Headwinds (GuruFocus.com)
07:03AM	Bread Financial: Q4 Earnings Snapshot (Associated Press Finance)
06:55AM	Bread Financial Provides Performance Update for December 2023 (Business Wire)
06:50AM	Bread Financial Reports Fourth Quarter and Full Year 2023 Results (Business Wire)
06:45AM	Bread Financial Declares Dividend on Common Stock (Business Wire)
Jan-23-24 12:47PM	Seeking Clues to Bread Financial (BFH) Q4 Earnings? A Peek Into Wall Street Projections for Key Metrics (Zacks)

Bread Financial Holdings, Inc. engages in the provision of payment, lending, and saving solutions. The firm also offers private label 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	Oct 28 '24	Buy	51.02	1,000	51,020	6,473	Oct 30 04:06 PM
Fawcett John J.	Director	Aug 12 '24	Buy	49.82	2,000	99,644	5,473	Aug 14 04:03 PM
Turtle Creek Asset Management	10% Owner	Jan 29 '24	Sale	35.67	45,000	1,605,247	293,092	Jan 29 09:18 PM
Turtle Creek Asset Management	10% Owner	Jan 26 '24	Sale	35.53	30,000	1,065,834	295,787	Jan 26 07:21 PM
Turtle Creek Asset Management	10% Owner	Jan 25 '24	Sale	32.23	30,000	966,977	297,583	Jan 26 07:21 PM
Turtle Creek Asset Management	10% Owner	Jan 24 '24	Sale	30.82	30,000	924,576	299,380	Jan 26 07:21 PM
Turtle Creek Asset Management	10% Owner	Jan 23 '24	Sale	31.12	30,000	933,480	301,176	Jan 23 07:52 PM
Turtle Creek Asset Management	10% Owner	Jan 22 '24	Sale	30.88	30,000	926,454	302,973	Jan 23 07:52 PM
Turtle Creek Asset Management	10% Owner	Jan 19 '24	Sale	29.86	30,000	895,810	304,769	Jan 23 07:52 PM
Turtle Creek Asset Management	10% Owner	Jan 16 '24	Sale	30.94	30,000	928,191	310,160	Jan 18 09:02 PM
Turtle Creek Asset Management	10% Owner	Jan 17 '24	Sale	30.20	30,000	906,069	308,363	Jan 18 09:02 PM
Turtle Creek Asset Management	10% Owner	Jan 18 '24	Sale	29.38	30,000	881,316	306,566	Jan 18 09:02 PM
Turtle Creek Asset Management	10% Owner	Jan 10 '24	Sale	32.46	25,000	811,585	314,951	Jan 12 07:57 PM
Turtle Creek Asset Management	10% Owner	Jan 11 '24	Sale	32.44	25,000	810,945	313,454	Jan 12 07:57 PM
Turtle Creek Asset Management	10% Owner	Jan 12 '24	Sale	31.77	25,000	794,147	311,957	Jan 12 07:57 PM
Turtle Creek Asset Management	10% Owner	Jan 09 '24	Sale	32.73	35,000	1,145,638	316,448	Jan 09 07:32 PM
Turtle Creek Asset Management	10% Owner	Jan 05 '24	Sale	32.40	25,000	810,038	318,544	Jan 09 07:32 PM
Turtle Creek Asset Management	10% Owner	Jan 02 '24	Sale	33.16	25,000	828,911	323,035	Jan 04 07:06 PM
Turtle Creek Asset Management	10% Owner	Jan 03 '24	Sale	32.06	25,000	801,390	321,538	Jan 04 07:06 PM
Turtle Creek Asset Management	10% Owner	Jan 04 '24	Sale	31.57	25,000	789,138	320,041	Jan 04 07:06 PM
Turtle Creek Asset Management	10% Owner	Dec 27 '23	Sale	33.55	20,000	671,048	326,329	Dec 29 05:37 PM
Turtle Creek Asset Management	10% Owner	Dec 28 '23	Sale	33.52	20,000	670,404	325,131	Dec 29 05:37 PM
Turtle Creek Asset Management	10% Owner	Dec 29 '23	Sale	33.10	10,000	331,022	324,532	Dec 29 05:37 PM
Turtle Creek Asset Management	10% Owner	Dec 21 '23	Sale	33.84	25,000	846,093	329,024	Dec 22 06:23 PM
Turtle Creek Asset Management	10% Owner	Dec 22 '23	Sale	33.73	25,000	843,218	327,527	Dec 22 06:23 PM
Turtle Creek Asset Management	10% Owner	Dec 20 '23	Sale	33.34	25,000	833,555	330,521	Dec 20 08:05 PM
Turtle Creek Asset Management	10% Owner	Dec 18 '23	Sale	33.24	21,000	698,124	332,018	Dec 20 08:05 PM
Turtle Creek Asset Management	10% Owner	Dec 14 '23	Sale	34.44	18,000	620,001	334,354	Dec 15 09:13 PM
Turtle Creek Asset Management	10% Owner	Dec 15 '23	Sale	33.41	18,000	601,302	333,276	Dec 15 09:13 PM
Turtle Creek Asset Management	10% Owner	Dec 13 '23	Sale	31.56	18,000	568,116	335,432	Dec 15 09:13 PM
Turtle Creek Asset Management	10% Owner	Dec 12 '23	Sale	31.75	20,000	635,026	336,510	Dec 12 07:53 PM

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BFH

Bread Financial Holdings Inc

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