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BFH

Bread Financial Holdings Inc

Jul 15 • 10:13AM ET

60.87

Dollar change -1.12
Percentage change -1.81	%

Financial • Credit Services • USA • NYSE

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

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

Scroll to Statements

Index	RUT	P/E	10.85	EPS (ttm)	5.61	Insider Own	2.79%	Shs Outstand	47.60M	Perf Week	2.66%
Market Cap	2.83B	Forward P/E	6.71	EPS next Y	9.08	Insider Trans	0.00%	Shs Float	45.25M	Perf Month	13.61%
Enterprise Value	-	PEG	0.93	EPS next Q	1.92	Inst Own	106.11%	Short Float	8.61%	Perf Quarter	38.25%
Income	280.00M	P/S	0.60	EPS this Y	-4.39%	Inst Trans	1.04%	Short Ratio	4.93	Perf Half Y	6.43%
Sales	4.74B	P/B	0.94	EPS next Y	24.90%	ROA	1.28%	Short Interest	3.90M	Perf YTD	-0.31%
Book/sh	64.45	P/C	-	EPS next 5Y	11.69%	ROE	9.34%	52W High	66.71 -8.75%	Perf Year	30.45%
Cash/sh	-	P/FCF	1.59	EPS past 3/5Y	-30.00% -	ROIC	3.42%	52W Low	38.21 59.30%	Perf 3Y	58.47%
Dividend Est.	0.84 (1.38%)	EV/EBITDA	-	Sales past 3/5Y	9.41% -3.02%	Gross Margin	-	Volatility	2.43% 2.55%	Perf 5Y	79.60%
Dividend TTM	0.84 (1.38%)	EV/Sales	-	EPS Y/Y TTM	-28.69%	Oper. Margin	8.22%	ATR (14)	1.58	Perf 10Y	-74.47%
Dividend Ex-Date	May 09, 2025	Quick Ratio	-	Sales Y/Y TTM	-3.20%	Profit Margin	5.90%	RSI (14)	63.81	Recom	2.65
Dividend Gr. 3/5Y	0.00% -19.73%	Current Ratio	1.06	EPS Q/Q	3.19%	SMA20	5.51%	Beta	1.41	Target Price	65.71
Payout	15.28%	Debt/Eq	1.67	Sales Q/Q	-3.55%	SMA50	12.50%	Rel Volume	0.17	Prev Close	61.99
Employees	6000	LT Debt/Eq	1.67	Earnings	Jul 24 BMO	SMA200	11.23%	Avg Volume	791.00K	Price	60.87
IPO	Jun 08, 2001	Option/Short	Yes / Yes	EPS/Sales Surpr.	28.41% 1.53%	Trades		Volume	20,876	Change	-1.81%

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

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%
07:00AM	Loading…
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)
02:57PM	Loading…
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%
09:05AM	Loading…
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)
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)
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)
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)

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	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

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BFH

Bread Financial Holdings Inc

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