BFH

Today, 4:00 AMBread Financial Holdings to report earnings today before market open

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

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

Index	RUT
Market Cap	4.17B
Enterprise Value	-
Income	564.00M
Sales	4.75B
Book/sh	86.95
Cash/sh	-
Dividend Est.	0.93 (0.85%)
Dividend TTM	0.92 (0.85%)
Dividend Ex-Date	Aug 31, 2026
Dividend Gr. 3/5Y	0.79% -7.35%
Payout	7.90%
Employees	6000
IPO	Jun 08, 2001

P/E	8.49
Forward P/E	7.86
PEG	0.80
P/S	0.88
P/B	1.25
P/C	-
P/FCF	1.92
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	1.44
Debt/Eq	0.98
LT Debt/Eq	0.98
Option/Short	Yes / Yes

EPS (ttm)	12.79
EPS next Y	13.83
EPS next Q	3.34
EPS this Y	1.05%
EPS next Y	12.53%
EPS next 5Y	9.80%
EPS past 3/5Y	34.63% 19.49%
Sales past 3/5Y	2.75% 4.34%
EPS Y/Y TTM	117.85%
Sales Y/Y TTM	0.85%
EPS Q/Q	20.14%
Sales Q/Q	3.66%
Earnings	Oct 22 BMO
EPS/Sales Surpr.	29.68% 3.51%

Insider Own	3.09%
Insider Trans	-2.21%
Inst Own	105.52%
Inst Trans	-8.05%
ROA	2.57%
ROE	17.39%
ROIC	8.54%
Gross Margin	-
Oper. Margin	14.37%
Profit Margin	11.86%
SMA20	7.36%
SMA50	3.71%
SMA200	19.43%
Trades

Shs Outstand	38.70M
Shs Float	37.23M
Short Float	8.70%
Short Ratio	5.88
Short Interest	3.24M
52W High	114.53 -5.15%
52W Low	59.26 83.31%
Volatility	2.87% 3.16%
ATR (14)	3.14
RSI (14)	63.41
Beta	1.27
Rel Volume	0.00
Avg Volume	550.21K
Volume	1

Perf Week	7.23%
Perf Month	9.52%
Perf Quarter	4.14%
Perf Half Y	17.92%
Perf YTD	46.74%
Perf Year	79.44%
Perf 3Y	279.16%
Perf 5Y	39.82%
Perf 10Y	-31.89%
Recom	2.12
Target Price	116.60
Prev Close	108.63
Price	108.63
Change %	0.00%

Date	Action	Analyst	Rating Change	Price Target Change
Sep-11-26	Initiated	Wells Fargo	Equal Weight	$115
Aug-25-26	Upgrade	Wolfe Research	Peer Perform → Outperform	$130
Jul-07-26	Upgrade	Barclays	Underweight → Equal Weight	$104
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

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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)
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Feb-05-26 11:00PM	Bread Financial (BFH): Buy, Sell, or Hold Post Q4 Earnings? (StockStory)
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12:26PM	Why Are Bread Financial (BFH) Shares Soaring Today (StockStory)
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10:29AM	Analyst Report: Bread Financial Holdings, Inc. (Morningstar Research)
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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)
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Jan-13-26 10:32PM	Q3 Earnings Highlights: Bread Financial (NYSE:BFH) Vs The Rest Of The Credit Card Stocks (StockStory)
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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)
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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)
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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)
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08:50AM	Fast-paced Momentum Stock Bread Financial (BFH) Is Still Trading at a Bargain (Zacks)
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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)

Show Previous News

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

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