BFH

Bread Financial Holdings Inc

103.41

Oct 30 • 3:59 PM ET -2.25 (-2.13%)

103.41

Aftermarket • 7:30 PM ET 0.00 (0.00%)

Financial Credit Services USA Mid NYSE

Peers: SYF COF ATLC AFRM KLAR OMF AXP ALLY SLM SOFI

| Held by: IJR AVUV VTI DFSV VB DFAT IWM VBR VXF DFAS

Scroll to Statements

Index	RUT
Market Cap	3.93B
Enterprise Value	-
Income	526.00M
Sales	4.79B
Book/sh	90.45
Cash/sh	-
Dividend Est.	0.93 (0.90%)
Dividend TTM	0.92 (0.89%)
Dividend Ex-Date	Nov 30, 2026
Dividend Gr. 3/5Y	0.79% -7.35%
Payout	7.90%
Employees	6000
IPO	Jun 08, 2001

P/E	8.17
Forward P/E	7.36
PEG	0.71
P/S	0.82
P/B	1.14
P/C	-
P/FCF	1.81
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	4.00
Debt/Eq	0.91
LT Debt/Eq	0.91
Option/Short	Yes / Yes

EPS (ttm)	12.65
EPS next Y	14.06
EPS next Q	1.49
EPS this Y	7.56%
EPS next Y	7.47%
EPS next 5Y	10.41%
EPS past 3/5Y	34.63% 19.49%
Sales past 3/5Y	2.75% 4.34%
EPS Y/Y TTM	29.18%
Sales Y/Y TTM	2.42%
EPS Q/Q	-3.57%
Sales Q/Q	2.96%
Earnings	Oct 22 BMO
EPS/Sales Surpr.	15.10% 0.22%

Insider Own	3.09%
Insider Trans	-1.02%
Inst Own	106.85%
Inst Trans	-8.50%
ROA	2.38%
ROE	15.87%
ROIC	8.16%
Gross Margin	-
Oper. Margin	14.53%
Profit Margin	10.98%
SMA20	1.45%
SMA50	-0.38%
SMA200	12.71%
Trades

Shs Outstand	38.00M
Shs Float	36.79M
Short Float	9.26%
Short Ratio	6.44
Short Interest	3.41M
52W High	114.53 -9.71%
52W Low	59.26 74.50%
Volatility	2.34% 3.11%
ATR (14)	3.49
RSI (14)	51.10
Beta	1.26
Rel Volume	1.16
Avg Volume	528.70K
Volume	613,616

Perf Week	3.52%
Perf Month	6.67%
Perf Quarter	-6.67%
Perf Half Y	21.17%
Perf YTD	39.69%
Perf Year	67.03%
Perf 3Y	281.02%
Perf 5Y	52.07%
Perf 10Y	-36.40%
Recom	2.19
Target Price	117.07
Prev Close	105.66
Price	103.41
Change %	-2.13%

Consensus

Buy

Avg. Price Target

$117.07

Implied Upside

+13.2%

Analysts14incl. previous ratings

Rating Distribution8 Buy · 5 Hold · 1 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Sep 11, 2026	Initiated	WWells Fargo	Equal Weight	$115	+11.2%
Aug 25, 2026	Upgrade	WWolfe Research	Peer Perform → Outperform	$130	+25.7%
Jul 07, 2026	Upgrade	BBarclays	Underweight → Equal Weight	$104	+0.6%
May 22, 2026	Initiated	LLoop Capital	Buy	$104	+0.6%
Apr 16, 2026	Upgrade	MMorgan Stanley	Underweight → Equal-Weight	$91	-12.0%
Feb 05, 2026	Upgrade	EEvercore ISI	In-line → Outperform	$90	-13.0%
Jan 08, 2026	Initiated	UUBS	Buy	$92	-11.0%
Dec 08, 2025	Resumed	WWolfe Research	Peer Perform
Dec 04, 2025	Downgrade	JJP Morgan	Neutral → Underweight	$72	-30.4%
Jul 14, 2025	Upgrade	BBTIG Research	Neutral → Buy	$105	+1.5%
Apr 07, 2025	Downgrade	MMorgan Stanley	Overweight → Underweight	$33	-68.1%
Dec 19, 2024	Upgrade	MMorgan Stanley	Underweight → Overweight	$35 → $76	-26.5%
Aug 09, 2024	Upgrade	BBofA Securities	Neutral → Buy	$54	-47.8%
Jul 16, 2024	Initiated	CCompass Point	Buy	$54	-47.8%
Jun 20, 2024	Upgrade	EEvercore ISI	Underperform → In-line	$42 → $45	-56.5%
Jun 07, 2024	Initiated	BBTIG Research	Neutral
May 02, 2024	Upgrade	KKeefe Bruyette	Mkt Perform → Outperform	$38 → $67	-35.2%
May 01, 2024	Downgrade	AArgus	Buy → Hold
Apr 04, 2024	Upgrade	WWolfe Research	Peer Perform → Outperform	$48	-53.6%
Jan 10, 2024	Initiated	BBMO Capital Markets	Market Perform	$33	-68.1%

Oct-22-26 03:57PM	Bread Financial Beats Handily And Raises Guidance For A Third Straight Quarter, But Flags That Margin Has Likely Peaked (Earnings Whispers) -5.69%
06:56AM	Bread Financial: Q3 Earnings Snapshot (Associated Press)
Sep-09-26 08:14AM	Signet Jewelers delivers quality quarter, raises full-year outlook (Retail Dive)
Aug-25-26 09:34AM	AMD upgraded, Five Below downgraded: Wall Street's top analyst calls (The Fly)
Jul-23-26 05:02PM	Bread Financial Holdings Inc (BFH) Q2 2026 Earnings Call Highlights: Strong Growth Amid ... (GuruFocus.com)
06:59AM	Loading…
06:59AM	Bread Financial: Q2 Earnings Snapshot (Associated Press)
May-20-26 06:00AM	Best CD rates today, May 20, 2026: Earn up to 4.15% APY (Yahoo Personal Finance)
May-19-26 08:55AM	NYSE Content Update: Armada Raises $230 Million, Boosts Valuation to $2 Billion (PR Newswire)
May-18-26 09:23AM	France's Publicis to Acquire LiveRamp for $2.55 Billion in AI Push (The Wall Street Journal)
Apr-24-26 03:06AM	Bread Financial Holdings Inc (BFH) Q1 2026 Earnings Call Highlights: Strong Growth Amid ... (GuruFocus.com) -6.47%
Apr-23-26 06:59AM	Bread Financial: Q1 Earnings Snapshot (Associated Press)
Apr-08-26 12:52PM	Amid the SaaSpocalypse, CIOs and CTOs take a harder line with their vendors (Fortune) +5.81%
Mar-20-26 09:11AM	5 Dividend Stocks to Weather Market Volatility and the Iran War (Barrons.com)
09:05AM	Academy Sports + Outdoors Launches New Tiered myAcademy Rewards Credit Card and Enhanced Loyalty Program Designed to Help Families Save More and Have More Fun (PR Newswire)
08:47AM	5 Dividend Stocks for a Volatile Market. One Yields More Than 4%. (Barrons.com)
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Mar-19-26 02:24PM	5 Dividend Stocks for a Volatile Market (Barrons.com)
Mar-10-26 09:10AM	What's Going On With Ford Stock Tuesday? (Benzinga)
Mar-06-26 01:05PM	Bread Financial, Perella Weinberg, Donnelley Financial Solutions, PROG, and Sallie Mae Stocks Trade Down, What You Need To Know (StockStory)
Mar-05-26 09:55AM	Bread Financial Holdings, Inc. (BFH) Announces Board Approval of a $600 Million Increase to its Existing Share Repurchase Authorization (Insider Monkey)
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)
06:02PM	Bread Financial Sees Better January Credit, Flat Loan Growth in BofA Conference Discussion (MarketBeat)
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)
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	Loading…
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)
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%
05:14PM	These Stocks Are Todays Movers: Capital One, Amex, Citigroup, JPMorgan, Walmart, Moderna, Affirm, and More (Barrons.com)
02:09PM	Gold & silver prices surge, credit card stocks fall on Trump comments (Yahoo Finance Video)
08:38AM	Affirm stock jumps 3% as Trumps proposed credit card rate cap sparks shift (Investing.com)
06:56AM	These Stocks Are Moving the Most Today: Capital One, American Express, JPMorgan, Nvidia, Alphabet, Walmart, and More (Barrons.com)
Jan-10-26 09:30AM	Trumps Call for 10% Credit-Card Cap Aims at Banks Crown Jewels (Bloomberg)
Jan-08-26 08:49PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
08:09AM	Here Are Thursdays Top Wall Street Analyst Research Calls: Alphabet, Coinbase Global, Digital Realty Trust, Intuit, Reddit, Roku, Tyler Technologies, and More (24/7 Wall St.)
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)
05:39AM	Best Income Stocks to Buy for Dec. 17 (Zacks)
05:25AM	New Strong Buy Stocks for Dec. 17: FG, LSPD, and More (Zacks)
Dec-15-25 12:00PM	Bread Financial Holdings (BFH) is a Great Momentum Stock: Should You Buy? (Zacks)
11:40AM	BFH or AXP: Which Is the Better Value Stock Right Now? (Zacks)
09:56AM	Ditch the Cash, Grab the Gains: Top Mobile Payment Stocks to Buy (Zacks)
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)
08:29AM	5 Mid-Cap Financial Technology Stocks to Buy on Recent Fed Rate Cut (Zacks)
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)
06:53AM	Best Income Stocks to Buy for Oct. 28th (Zacks)
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)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Fawcett John J.	Director	Oct 28 '26	Buy	24.70	5,000	123,490	5,000	Oct 30 02:46 PM
McCarthy Dennis James	EVP, Chief Revenue Officer	Sep 14 '26	Buy	108.14	16	1,718	29,546	Sep 16 01:37 PM
Lakhwara Praniti	Director	Jul 28 '26	Sale	106.12	2,802	297,348	4,458	Jul 29 04:38 PM
Lakhwara Praniti	Director	Jul 28 '26	Proposed Sale	106.12	2,802	297,348		Jul 28 09:55 AM
Andretta Ralph J	President and CEO	May 29 '26	Sale	89.10	15,000	1,336,540	582,241	Jun 01 05:36 PM
RALPH ANDRETTA	Director	May 29 '26	Proposed Sale	88.46	15,000	1,326,900		May 29 04:21 PM
Fawcett John J.	Director	May 21 '26	Buy	86.43	698	60,328	11,000	May 22 11:19 AM
BALLOU ROGER H	Director	May 21 '26	Proposed Sale	84.96	18,000	1,529,336		May 21 04:05 PM
BALLOU ROGER H	Director	Apr 24 '26	Sale	90.32	9,687	874,930	30,079	Apr 27 07:48 PM
BALLOU ROGER H	Director	Apr 24 '26	Proposed Sale	90.32	9,687	874,931		Apr 24 10:55 AM

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.

PresidentMr. Ralph J. Andretta

Executive VP & CFOMr. Perry S. Beberman

Executive VP & CTOMs. Allegra S. Driscoll

Executive VPMr. Joseph L. Motes III

Executive VP and Chief Credit Risk & Operations OfficerMs. Tammy Michelle McConnaughey

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BFH

Bread Financial Holdings Inc

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