Bread Financial Holdings, Inc. BFH
Set alert
At close · Oct 30
After hours · Oct 30, 5:05 PM ET
- YTD
- +39.69%
- 1 year
- +67.03%
- Open
- 104.03
- Prev close
- 105.66
- Mkt cap
- 3.93B
- Vol
- 613.58K
- Avg vol
- 525.78K
- EPS
- 12.76
- P/E
- 8.10
- Div yield
- 0.95%
More statistics
- Low
- 101.72
- High
- 104.83
- Forward P/E
- 7.46
- Beta
- 1.18
- Short ratio
- 0.07
- Inst. own
- 111.01%
- Dividend
- 1.00
- Ex-div date
- Nov 29, 2026
- Earnings
- Feb 4, 2027
- 50-d avg
- 103.80
- 200-d avg
- 91.58
- 1y target
- 115.25
2Y chart
Events in this range
- Nov 8, 2024Dividend: 0.21
- Feb 14, 2025Dividend: 0.21
- May 9, 2025Dividend: 0.21
- Aug 8, 2025Dividend: 0.21
- Oct 23, 2025Earnings: 4.02; estimate 2.11; surprise 90.52%
- Nov 7, 2025Dividend: 0.23
- Jan 29, 2026Earnings: 2.07; estimate 0.4; surprise 417.5%
- Feb 27, 2026Dividend: 0.23
- Apr 23, 2026Earnings: 4.18; estimate 3; surprise 39.33%
- May 29, 2026Dividend: 0.23
- Jul 23, 2026Earnings: 3.55; estimate 2.74; surprise 29.56%
- Aug 31, 2026Dividend: 0.23
- Sep 11, 2026Rating: Wells Fargo · — → Equal-Weight
- Oct 1, 2026Rating: Evercore ISI Group · Outperform → Outperform
- Oct 5, 2026Rating: Barclays · Equal-Weight → Equal-Weight
- Oct 6, 2026Rating: TD Cowen · Hold → Hold
- Oct 22, 2026Earnings: 3.84; estimate 3.34; surprise 14.97%
- Oct 23, 2026Rating: TD Cowen · Hold → Hold
- Oct 23, 2026Rating: Barclays · Equal-Weight → Equal-Weight
Signals (98)
| Name | Date | Ago |
|---|---|---|
| SMA: Bearish | Oct 30, 2026 | 1 day ago |
| SMA: Bullish | Oct 28, 2026 | 3 days ago |
| SMA: Bearish | Oct 22, 2026 | 1 week ago |
| SMA: Bullish | Oct 21, 2026 | 1 week ago |
| MACD: Buy Signal | Oct 12, 2026 | 2 weeks ago |
| SMA: Bearish | Sep 22, 2026 | 1 month ago |
| MACD: Sell Signal | Sep 22, 2026 | 1 month ago |
| MACD: Buy Signal | Sep 17, 2026 | 1 month ago |
| SMA: Bullish | Sep 2, 2026 | 1 month ago |
| SMA: Bearish | Aug 31, 2026 | 2 months ago |
| SMA: Bullish | Aug 21, 2026 | 2 months ago |
| SMA: Bearish | Aug 20, 2026 | 2 months ago |
| MACD: Sell Signal | Aug 18, 2026 | 2 months ago |
| MACD: Buy Signal | Aug 14, 2026 | 2 months ago |
| MACD: Sell Signal | Aug 11, 2026 | 2 months ago |
| RSI: Overbought | Jul 30, 2026 | 3 months ago |
| MACD: Buy Signal | Jul 24, 2026 | 3 months ago |
| MACD: Sell Signal | Jul 2, 2026 | 4 months ago |
| RSI: Overbought | Jun 11, 2026 | 4 months ago |
| MACD: Buy Signal | May 27, 2026 | 5 months ago |
| MACD: Sell Signal | Apr 29, 2026 | 6 months ago |
| RSI: Overbought | Apr 17, 2026 | 6 months ago |
| SMA: Bullish | Apr 6, 2026 | 6 months ago |
| SMA: Bearish | Apr 2, 2026 | 7 months ago |
| SMA: Bullish | Mar 31, 2026 | 7 months ago |
| SMA: Bearish | Mar 27, 2026 | 7 months ago |
| MACD: Buy Signal | Mar 20, 2026 | 7 months ago |
| SMA: Bullish | Mar 19, 2026 | 7 months ago |
| SMA: Bearish | Mar 12, 2026 | 7 months ago |
| SMA: Bullish | Mar 11, 2026 | 7 months ago |
| SMA: Bearish | Mar 6, 2026 | 7 months ago |
| MACD: Sell Signal | Mar 6, 2026 | 7 months ago |
| MACD: Buy Signal | Mar 5, 2026 | 8 months ago |
| SMA: Bullish | Mar 4, 2026 | 8 months ago |
| SMA: Bearish | Feb 27, 2026 | 8 months ago |
| MACD: Sell Signal | Feb 27, 2026 | 8 months ago |
| SMA: Bullish | Feb 26, 2026 | 8 months ago |
| MACD: Buy Signal | Feb 26, 2026 | 8 months ago |
| SMA: Bearish | Feb 23, 2026 | 8 months ago |
| MACD: Sell Signal | Feb 13, 2026 | 8 months ago |
| SMA: Bearish | Feb 12, 2026 | 8 months ago |
| MACD: Buy Signal | Feb 3, 2026 | 9 months ago |
| SMA: Bullish | Jan 29, 2026 | 9 months ago |
| SMA: Bearish | Jan 20, 2026 | 9 months ago |
| SMA: Bullish | Jan 16, 2026 | 9 months ago |
| SMA: Bearish | Jan 13, 2026 | 9 months ago |
| MACD: Sell Signal | Jan 12, 2026 | 9 months ago |
| MACD: Buy Signal | Jan 8, 2026 | 9 months ago |
| RSI: Overbought | Jan 6, 2026 | 9 months ago |
| MACD: Sell Signal | Dec 26, 2025 | 10 months ago |
| RSI: Overbought | Dec 3, 2025 | 11 months ago |
| MACD: Buy Signal | Nov 24, 2025 | 11 months ago |
| SMA: Bullish | Nov 19, 2025 | 11 months ago |
| SMA: Bearish | Nov 17, 2025 | 11 months ago |
| MACD: Sell Signal | Nov 13, 2025 | 11 months ago |
| SMA: Bullish | Oct 23, 2025 | 1 year ago |
| SMA: Bearish | Oct 22, 2025 | 1 year ago |
| SMA: Bullish | Oct 21, 2025 | 1 year ago |
| SMA: Bullish | Oct 14, 2025 | 1 year ago |
| MACD: Buy Signal | Oct 14, 2025 | 1 year ago |
| RSI: Oversold | Oct 6, 2025 | 1 year ago |
| SMA: Bearish | Sep 30, 2025 | 1 year ago |
| RSI: Oversold | Sep 30, 2025 | 1 year ago |
| SMA: Bearish | Sep 23, 2025 | 1 year ago |
| SMA: Bullish | Sep 18, 2025 | 1 year ago |
| SMA: Bearish | Sep 17, 2025 | 1 year ago |
| MACD: Sell Signal | Sep 10, 2025 | 1 year ago |
| MACD: Buy Signal | Aug 22, 2025 | 1 year ago |
| MACD: Sell Signal | Jul 24, 2025 | 1 year ago |
| MACD: Buy Signal | Jul 23, 2025 | 1 year ago |
| MACD: Sell Signal | Jul 18, 2025 | 1 year ago |
| RSI: Overbought | Jul 9, 2025 | 1 year ago |
| RSI: Overbought | Jul 2, 2025 | 1 year ago |
| MACD: Buy Signal | Jun 20, 2025 | 1 year ago |
| MACD: Sell Signal | Jun 13, 2025 | 1 year ago |
| MACD: Buy Signal | Jun 11, 2025 | 1 year ago |
| MACD: Sell Signal | May 23, 2025 | 1 year ago |
| RSI: Overbought | May 13, 2025 | 1 year ago |
| SMA: Bullish | May 7, 2025 | 1 year ago |
| SMA: Bearish | May 6, 2025 | 1 year ago |
| SMA: Bullish | May 2, 2025 | 1 year ago |
| MACD: Buy Signal | Apr 16, 2025 | 1 year ago |
| MACD: Sell Signal | Apr 4, 2025 | 1 year ago |
| RSI: Oversold | Apr 4, 2025 | 1 year ago |
| MACD: Buy Signal | Mar 19, 2025 | 1 year ago |
| RSI: Oversold | Mar 3, 2025 | 1 year ago |
| RSI: Oversold | Feb 25, 2025 | 1 year ago |
| SMA: Bearish | Feb 18, 2025 | 1 year ago |
| SMA: Bullish | Feb 14, 2025 | 1 year ago |
| SMA: Bearish | Feb 12, 2025 | 1 year ago |
| SMA: Bullish | Feb 11, 2025 | 1 year ago |
| SMA: Bearish | Feb 7, 2025 | 1 year ago |
| SMA: Bullish | Feb 5, 2025 | 1 year ago |
| SMA: Bearish | Feb 4, 2025 | 1 year ago |
| MACD: Sell Signal | Feb 4, 2025 | 1 year ago |
| MACD: Buy Signal | Jan 21, 2025 | 1 year ago |
| SMA: Bullish | Jan 15, 2025 | 1 year ago |
| RSI: Overbought | Dec 5, 2024 | 1 year ago |
Key statistics
- Market cap
- 3.92B
- Enterprise value
- 3.18B
- Trailing P/E
- 8.10
- Forward P/E
- 7.46
- PEG ratio
- 2.30
- Price / sales
- 1.46
- Price / book
- 1.14
- EPS (TTM)
- 12.76
- Beta
- 1.18
- Dividend yield
- 0.95%
- Payout ratio
- 7.21%
- Profit margin
- 19.95%
- Revenue (TTM)
- 2.69B
- Revenue growth
- 3.60%
- Free cash flow
- 0
- Total cash
- 3.96B
- Total debt
- 3.13B
- Return on equity
- 15.87%
- Shares outstanding
- 37.96M
- Short % of float
- 0.16%
- 50-day average
- 103.80
- 200-day average
- 91.58
Analyst view
Consensus: buy
- Target (low)
- 86.00
- Target (mean)
- 115.25
- Target (high)
- 131.00
- Strong buy1
- Buy7
- Hold8
- Sell0
- Strong sell1
Next earnings
Feb 4, 2027
Expected Feb 4, 2027. Consensus EPS estimate 1.52.
Financials — quick view
Earnings
| Report date | Quarter ending | EPS estimate | EPS reported | Surprise | Surprise % |
|---|---|---|---|---|---|
| Feb 4, 2027 | Dec 30, 2026 | 1.49 | — | — | — |
| Oct 22, 2026 | Sep 30, 2026 | 3.34 | 3.84 | +0.50 | +14.97% |
| Jul 23, 2026 | Jun 30, 2026 | 2.74 | 3.55 | +0.81 | +29.56% |
| Apr 23, 2026 | Mar 31, 2026 | 3.00 | 4.18 | +1.18 | +39.33% |
| Jan 29, 2026 | Dec 31, 2025 | 0.40 | 2.07 | +1.67 | +417.50% |
| Oct 23, 2025 | Sep 30, 2025 | 2.11 | 4.02 | +1.91 | +90.52% |
Upgrades / downgrades
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 23, 2026 | Barclays | main | Equal-Weight | Equal-Weight |
| Oct 23, 2026 | TD Cowen | main | Hold | Hold |
| Oct 6, 2026 | TD Cowen | main | Hold | Hold |
| Oct 5, 2026 | Barclays | main | Equal-Weight | Equal-Weight |
| Oct 1, 2026 | Evercore ISI Group | main | Outperform | Outperform |
| Sep 11, 2026 | Wells Fargo | init | — | Equal-Weight |
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
- Website
- breadfinancial.com
News
- Why Bread Financial Holdings (BFH) is a Top Value Stock for the Long-Term
- Bread Financial: 3 Key Takeaways for Long-Term Investors
- Dividend Announcements: October 17-23, 2026 (Part 2 Of 2)
- Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series C Preferred Stock
- BFH vs. BAM: Which Stock Is the Better Value Option?
- Why Bread Financial Holdings (BFH) is a Top Momentum Stock for the Long-Term
- Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series C Preferred Stock
- Bread Financial Series A Preferreds: Proximity To Par Partly Offsets High-Yield Appeal
- Barclays Maintains Equal-Weight on Bread Financial Holdings, Lowers Price Target to $107
- TD Cowen Maintains Hold on Bread Financial Holdings, Raises Price Target to $113
Your note
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Insider holders
| Insider | Relation | Latest transaction | Date | Shares held |
|---|---|---|---|---|
| ANDRETTA RALPH J. | Chief Executive Officer | Sale | May 28, 2026 | 582,241 |
| BALLOU ROGER H | Director | Stock Gift | Feb 18, 2026 | 39,766 |
| BEBERMAN PERRY S. | Chief Financial Officer | Stock Award(Grant) | Feb 16, 2026 | 121,570 |
| CAMPBELL JONATHAN BRYAN | Officer | Stock Award(Grant) | Feb 16, 2026 | 38,877 |
| DRISCOLL ALLEGRA S | Chief Technology Officer | Stock Award(Grant) | Feb 16, 2026 | 60,780 |
| GERSPACH JOHN C | Director | Stock Award(Grant) | Oct 14, 2026 | 56,278 |
Institution ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| Blackrock Inc. | 10.24% | 3,888,457 | 401.95M | Jun 29, 2026 |
| Dimensional Fund Advisors LP | 8.15% | 3,092,208 | 319.64M | Jun 29, 2026 |
| Vanguard Portfolio Management LLC | 6.91% | 2,621,816 | 271.02M | Jun 29, 2026 |
| American Century Companies Inc | 4.72% | 1,791,190 | 185.16M | Jun 29, 2026 |
| Allianz Asset Management GmbH | 4.71% | 1,788,468 | 184.87M | Jun 29, 2026 |
| Vanguard Capital Management LLC | 4.63% | 1,757,637 | 181.69M | Jun 29, 2026 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| iShares Trust-iShares Core S&P Small-Cap ETF | 4.08% | 1,549,341 | 160.16M | Sep 29, 2026 |
| American Century ETF Trust-Avantis U.S. Small Cap Value ETF | 3.32% | 1,260,540 | 130.30M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 3.21% | 1,219,025 | 126.01M | Jun 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund | 2.32% | 880,268 | 90.99M | Jun 29, 2026 |
| PIMCO Equity Series-PIMCO RAE US Small Fund | 2.07% | 786,082 | 81.26M | Jun 29, 2026 |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio | 1.91% | 724,774 | 74.92M | Jul 30, 2026 |