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Bread Financial Holdings, Inc. BFH

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Price alert · BFH

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103.41 USD -2.25 -2.13%

At close · Oct 30

103.41 0.00 0.00%

After hours · Oct 30, 5:05 PM ET

Bid
103.33 × 100
Ask
103.55 × 200
101.72 Day range 104.83
59.98 52-week range 113.40
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

Chart tools
Interval

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)
NameDateAgo
SMA: BearishOct 30, 20261 day ago
SMA: BullishOct 28, 20263 days ago
SMA: BearishOct 22, 20261 week ago
SMA: BullishOct 21, 20261 week ago
MACD: Buy SignalOct 12, 20262 weeks ago
SMA: BearishSep 22, 20261 month ago
MACD: Sell SignalSep 22, 20261 month ago
MACD: Buy SignalSep 17, 20261 month ago
SMA: BullishSep 2, 20261 month ago
SMA: BearishAug 31, 20262 months ago
SMA: BullishAug 21, 20262 months ago
SMA: BearishAug 20, 20262 months ago
MACD: Sell SignalAug 18, 20262 months ago
MACD: Buy SignalAug 14, 20262 months ago
MACD: Sell SignalAug 11, 20262 months ago
RSI: OverboughtJul 30, 20263 months ago
MACD: Buy SignalJul 24, 20263 months ago
MACD: Sell SignalJul 2, 20264 months ago
RSI: OverboughtJun 11, 20264 months ago
MACD: Buy SignalMay 27, 20265 months ago
MACD: Sell SignalApr 29, 20266 months ago
RSI: OverboughtApr 17, 20266 months ago
SMA: BullishApr 6, 20266 months ago
SMA: BearishApr 2, 20267 months ago
SMA: BullishMar 31, 20267 months ago
SMA: BearishMar 27, 20267 months ago
MACD: Buy SignalMar 20, 20267 months ago
SMA: BullishMar 19, 20267 months ago
SMA: BearishMar 12, 20267 months ago
SMA: BullishMar 11, 20267 months ago
SMA: BearishMar 6, 20267 months ago
MACD: Sell SignalMar 6, 20267 months ago
MACD: Buy SignalMar 5, 20268 months ago
SMA: BullishMar 4, 20268 months ago
SMA: BearishFeb 27, 20268 months ago
MACD: Sell SignalFeb 27, 20268 months ago
SMA: BullishFeb 26, 20268 months ago
MACD: Buy SignalFeb 26, 20268 months ago
SMA: BearishFeb 23, 20268 months ago
MACD: Sell SignalFeb 13, 20268 months ago
SMA: BearishFeb 12, 20268 months ago
MACD: Buy SignalFeb 3, 20269 months ago
SMA: BullishJan 29, 20269 months ago
SMA: BearishJan 20, 20269 months ago
SMA: BullishJan 16, 20269 months ago
SMA: BearishJan 13, 20269 months ago
MACD: Sell SignalJan 12, 20269 months ago
MACD: Buy SignalJan 8, 20269 months ago
RSI: OverboughtJan 6, 20269 months ago
MACD: Sell SignalDec 26, 202510 months ago
RSI: OverboughtDec 3, 202511 months ago
MACD: Buy SignalNov 24, 202511 months ago
SMA: BullishNov 19, 202511 months ago
SMA: BearishNov 17, 202511 months ago
MACD: Sell SignalNov 13, 202511 months ago
SMA: BullishOct 23, 20251 year ago
SMA: BearishOct 22, 20251 year ago
SMA: BullishOct 21, 20251 year ago
SMA: BullishOct 14, 20251 year ago
MACD: Buy SignalOct 14, 20251 year ago
RSI: OversoldOct 6, 20251 year ago
SMA: BearishSep 30, 20251 year ago
RSI: OversoldSep 30, 20251 year ago
SMA: BearishSep 23, 20251 year ago
SMA: BullishSep 18, 20251 year ago
SMA: BearishSep 17, 20251 year ago
MACD: Sell SignalSep 10, 20251 year ago
MACD: Buy SignalAug 22, 20251 year ago
MACD: Sell SignalJul 24, 20251 year ago
MACD: Buy SignalJul 23, 20251 year ago
MACD: Sell SignalJul 18, 20251 year ago
RSI: OverboughtJul 9, 20251 year ago
RSI: OverboughtJul 2, 20251 year ago
MACD: Buy SignalJun 20, 20251 year ago
MACD: Sell SignalJun 13, 20251 year ago
MACD: Buy SignalJun 11, 20251 year ago
MACD: Sell SignalMay 23, 20251 year ago
RSI: OverboughtMay 13, 20251 year ago
SMA: BullishMay 7, 20251 year ago
SMA: BearishMay 6, 20251 year ago
SMA: BullishMay 2, 20251 year ago
MACD: Buy SignalApr 16, 20251 year ago
MACD: Sell SignalApr 4, 20251 year ago
RSI: OversoldApr 4, 20251 year ago
MACD: Buy SignalMar 19, 20251 year ago
RSI: OversoldMar 3, 20251 year ago
RSI: OversoldFeb 25, 20251 year ago
SMA: BearishFeb 18, 20251 year ago
SMA: BullishFeb 14, 20251 year ago
SMA: BearishFeb 12, 20251 year ago
SMA: BullishFeb 11, 20251 year ago
SMA: BearishFeb 7, 20251 year ago
SMA: BullishFeb 5, 20251 year ago
SMA: BearishFeb 4, 20251 year ago
MACD: Sell SignalFeb 4, 20251 year ago
MACD: Buy SignalJan 21, 20251 year ago
SMA: BullishJan 15, 20251 year ago
RSI: OverboughtDec 5, 20241 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

Buy
Price target (mean) 115.25 +11.4% upside
Target (low)
86.00
Target (mean)
115.25
Target (high)
131.00
Ratings (0m) 17 8 buy · 8 hold · 1 sell
  • Strong buy1
  • Buy7
  • Hold8
  • Sell0
  • Strong sell1

Next earnings

Feb 4, 2027

Expected Feb 4, 2027. Consensus EPS estimate 1.52.

Earnings history

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 %
Feb 4, 2027Dec 30, 20261.49———
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
Oct 23, 2026BarclaysmainEqual-WeightEqual-Weight
Oct 23, 2026TD CowenmainHoldHold
Oct 6, 2026TD CowenmainHoldHold
Oct 5, 2026BarclaysmainEqual-WeightEqual-Weight
Oct 1, 2026Evercore ISI GroupmainOutperformOutperform
Sep 11, 2026Wells Fargoinit—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

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%3,888,457401.95MJun 29, 2026
Dimensional Fund Advisors LP8.15%3,092,208319.64MJun 29, 2026
Vanguard Portfolio Management LLC6.91%2,621,816271.02MJun 29, 2026
American Century Companies Inc4.72%1,791,190185.16MJun 29, 2026
Allianz Asset Management GmbH4.71%1,788,468184.87MJun 29, 2026
Vanguard Capital Management LLC4.63%1,757,637181.69MJun 29, 2026

Fund ownership

BFH fund ownership
Holder% heldSharesValueReported
iShares Trust-iShares Core S&P Small-Cap ETF4.08%1,549,341160.16MSep 29, 2026
American Century ETF Trust-Avantis U.S. Small Cap Value ETF3.32%1,260,540130.30MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund3.21%1,219,025126.01MJun 29, 2026
VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund2.32%880,26890.99MJun 29, 2026
PIMCO Equity Series-PIMCO RAE US Small Fund2.07%786,08281.26MJun 29, 2026
DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio1.91%724,77474.92MJul 30, 2026
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