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Bread Financial Holdings, Inc. BFH

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101.83 USD -0.74 (-0.72%)

At closeNov 6, 2026, 4:06 PM EST

101.83 0.00 0.00%

After hours · Nov 6, 4:06 PM ET

101.57 Day range 104.09
59.98 52-week range 113.40
YTD
+37.55%
1 year
+59.46%
Market cap
3.87B
Revenue (ttm)
2.69B
Profit margin
19.95%
EPS (ttm)
12.76
Shares out
37.96M
P/E ratio
7.98
Forward P/E
7.35
Dividend
1.00 (0.97%)
Ex-dividend date
Nov 29, 2026
YTD return
+37.55%
1-year return
+59.46%
Volume
563.41K
Avg volume
544.58K
Open
101.99
Previous close
102.57
Day's range
101.57 – 104.09
52-week range
59.98 – 113.40
Beta
1.25
Analysts
Buy
Price target
114.81 (+12.7%)
Earnings date
Jan 28, 2027

ALL +90.60 (+756.89%)

0100200200120042006200820102012201420162018202020222024102.57

Key statistics

Enterprise value
3.07B
PEG ratio
2.18
Price / sales
1.44
Price / book
1.13
Dividend yield
0.97%
Payout ratio
7.21%
Revenue growth
3.60%
Free cash flow
0
Total cash
3.96B
Total debt
3.13B
Return on equity
15.87%
Short % of float
0.16%
50-day average
103.69
200-day average
92.43

Financials — quick view

All financials
BFH Revenue — quarterly 696.00M
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026
BFH Net income — quarterly 156.00M
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026
BFH EPS — quarterly 3.91
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026

Earnings

BFH recent earnings
Report dateQuarter endingEPS estimateEPS reportedSurpriseSurprise %
Jan 28, 2027Dec 30, 20261.53———
Oct 22, 2026Sep 30, 20263.343.84+0.50+14.97%
Jul 23, 2026Jun 30, 20262.743.55+0.81+29.56%
Apr 23, 2026Mar 31, 20263.004.18+1.18+39.33%
Jan 29, 2026Dec 31, 20250.402.07+1.67+417.50%
Oct 23, 2025Sep 30, 20252.114.02+1.91+90.52%

Upgrades / downgrades

BFH analyst upgrades and downgrades
DateFirmActionFromTo
Nov 2, 2026UBSmainBuyBuy
Oct 23, 2026BarclaysmainEqual-WeightEqual-Weight
Oct 23, 2026TD CowenmainHoldHold
Oct 6, 2026TD CowenmainHoldHold
Oct 5, 2026BarclaysmainEqual-WeightEqual-Weight
Oct 1, 2026Evercore ISI GroupmainOutperformOutperform

About Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

Sector
Financial Services
Industry
Credit Services
Country
United States

News

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Insider holders

BFH insider holders
InsiderRelationLatest transactionDateShares held
ANDRETTA RALPH J.Chief Executive OfficerSaleMay 28, 2026582,241
BALLOU ROGER HDirectorStock GiftFeb 18, 202639,766
BEBERMAN PERRY S.Chief Financial OfficerStock Award(Grant)Feb 16, 2026121,570
CAMPBELL JONATHAN BRYANOfficerStock Award(Grant)Feb 16, 202638,877
DRISCOLL ALLEGRA SChief Technology OfficerStock Award(Grant)Feb 16, 202660,780
GERSPACH JOHN CDirectorStock Award(Grant)Oct 14, 202656,278

Institution ownership

BFH institution ownership
Holder% heldSharesValueReported
Blackrock Inc.10.24%3,888,457396.11MJun 29, 2026
Dimensional Fund Advisors LP8.14%3,090,508314.82MSep 29, 2026
Vanguard Portfolio Management LLC6.91%2,621,816267.08MJun 29, 2026
American Century Companies Inc4.72%1,791,190182.46MJun 29, 2026
Allianz Asset Management GmbH4.71%1,788,468182.19MJun 29, 2026
Vanguard Capital Management LLC4.63%1,757,637179.05MJun 29, 2026

Fund ownership

BFH fund ownership
Holder% heldSharesValueReported
iShares Trust-iShares Core S&P Small-Cap ETF4.08%1,549,341157.83MSep 29, 2026
American Century ETF Trust-Avantis U.S. Small Cap Value ETF3.32%1,260,540128.41MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund3.21%1,219,025124.18MJun 29, 2026
VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund2.32%880,26889.67MJun 29, 2026
PIMCO Equity Series-PIMCO RAE US Small Fund2.07%786,08280.08MJun 29, 2026
DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio1.91%724,77473.83MJul 30, 2026