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BFH

Bread Financial Holdings Inc

Jun 01 • 04:00PM ET

89.39

+0.32 0.36 %

Financial • Credit Services • USA • Mid • NYSE

Peers: SYF ENVA OMF ALLY FCFS SLM UPST SOFI AXP COF

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

Scroll to Statements

Index	RUT	P/E	7.33	EPS (ttm)	12.20	Insider Own	1.86%	Shs Outstand	41.30M	Perf Week	3.22%
Market Cap	3.61B	Forward P/E	7.03	EPS next Y	12.71	Insider Trans	-3.09%	Shs Float	39.66M	Perf Month	5.44%
Enterprise Value	-	PEG	1.21	EPS next Q	2.66	Inst Own	107.95%	Short Float	8.41%	Perf Quarter	24.17%
Income	559.00M	P/S	0.77	EPS this Y	-8.34%	Inst Trans	-8.17%	Short Ratio	5.18	Perf Half Y	32.51%
Sales	4.71B	P/B	1.11	EPS next Y	14.02%	ROA	2.51%	Short Interest	3.34M	Perf YTD	20.75%
Book/sh	80.51	P/C	-	EPS next 5Y	5.83%	ROE	17.55%	52W High	99.13 -9.83%	Perf Year	74.45%
Cash/sh	-	P/FCF	1.67	EPS past 3/5Y	34.63% 19.49%	ROIC	7.79%	52W Low	49.17 81.80%	Perf 3Y	211.14%
Dividend Est.	0.93 (1.04%)	EV/EBITDA	-	Sales past 3/5Y	2.75% 4.34%	Gross Margin	-	Volatility	2.93% 3.08%	Perf 5Y	-10.03%
Dividend TTM	0.90 (1.01%)	EV/Sales	-	EPS Y/Y TTM	118.03%	Oper. Margin	14.01%	ATR (14)	2.87	Perf 10Y	-49.66%
Dividend Ex-Date	May 29, 2026	Quick Ratio	-	Sales Y/Y TTM	-0.65%	Profit Margin	11.86%	RSI (14)	58.43	Recom	2.37
Dividend Gr. 3/5Y	0.79% -7.35%	Current Ratio	1.02	EPS Q/Q	48.92%	SMA20	3.13%	Beta	1.12	Target Price	97.33
Payout	7.90%	Debt/Eq	1.17	Sales Q/Q	1.34%	SMA50	7.27%	Rel Volume	0.83	Prev Close	89.07
Employees	6000	LT Debt/Eq	1.17	Earnings	Apr 23 BMO	SMA200	24.66%	Avg Volume	644.02K	Price	89.39
IPO	Jun 08, 2001	Option/Short	Yes / Yes	EPS/Sales Surpr.	36.61% 2.45%	Trades		Volume	535,615	Change	0.36%

Date	Action	Analyst	Rating Change	Price Target Change
May-22-26	Initiated	Loop Capital	Buy	$104
Apr-16-26	Upgrade	Morgan Stanley	Underweight → Equal-Weight	$91
Feb-05-26	Upgrade	Evercore ISI	In-line → Outperform	$90
Jan-08-26	Initiated	UBS	Buy	$92
Dec-08-25	Resumed	Wolfe Research	Peer Perform
Dec-04-25	Downgrade	JP Morgan	Neutral → Underweight	$72
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

Show Previous Ratings

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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)
04:28PM	Loading…
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	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	Loading…
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%
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Jan-08-26 08:49PM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
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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)
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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)
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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)
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Oct-27-25 11:40AM	BFH vs. BX: Which Stock Is the Better Value Option? (Zacks)
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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)
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)

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 & Chief Commercial OfficerMs. Valerie E. Greer

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
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
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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