BFH — Bread Financial Holdings, Inc. stock price, charts and financials

NYSE·Financial Services·Financial - Credit Services·USA

Latest market price

110.80

+2.73+2.53%

Overview Short InterestFilings

BFHQT86Bread Financial Holdings, Inc.·NYSE

Overview Short InterestFilings

110.80+2.53%

Loading chart...

Signal & projected range

Earnings big beat — drift (PEAD)Historical pattern — not a prediction

Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)

Horizon

Unlock the projected rangeSee where this setup landed historically — with Premium.

Unlock with Premium

Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

Screen all →

JSM+0.80%$17.62 NNI+1.75%$138.25 SLM+4.23%$27.10 SEZL+5.39%$163.09 OBDC+2.33%$11.00 CACC+0.71%$572.97 HCXY+0.24%$25.06 ENVA+1.74%$258.57

Snapshot

Index	-	P/E	8.31	EPS (ttm)	13.01	Insider Own	16.42%	Shs Outstand	40.41M	Perf Week	3.60%

Market Cap	4.37B	Forward P/E	7.97	EPS next Y	13.56	Insider Trans	-0.40%	Shs Float	39.25M	Perf Month	2.56%

Enterprise Value	3.97B	PEG	0.07	EPS next Q	3.38	Inst Own	-	Short Float	7.38%	Perf Quarter	27.47%

Income	575.11M	P/S	0.92	EPS this Y	-5.14%	Inst Trans	-	Short Ratio	4.14	Perf Half Y	47.98%

Sales	4.75B	P/B	1.28	EPS next Y	11.47%	ROA	2.53%	Short Interest	2.90M	Perf YTD	45.98%

Book/sh	-	P/C	2.60	EPS next 5Y	12.76%	ROE	17.04%	52W High	113.93 -2.75%	Perf Year	74.93%

Cash/sh	-	P/FCF	2.64	EPS past 3/5Y	34.95% 19.70%	ROIC	2.53%	52W Low	55.19 100.76%	Perf 3Y	196.98%

Dividend Est.	0.92 (0.83%)	EV/EBITDA	5.36	Sales past 3/5Y	2.43% 7.34%	Gross Margin	63.99%	Volatility	3.57% 3.71%	Perf 5Y	37.09%

Dividend TTM	0.90 (0.81%)	EV/Sales	0.83	EPS Y/Y TTM	133.09%	Oper. Margin	14.37%	ATR (14)	3.74	Perf 10Y	-40.80%

Dividend Ex-Date	Aug 31, 2026	Quick Ratio	0.00	Sales Y/Y TTM	-0.92%	Profit Margin	11.95%	RSI (14)	63.23	Recom	2.62

Dividend Gr. 3/5Y	0.79% -3.08%	Current Ratio	0.00	EPS Q/Q	13.06%	SMA20	6.23%	Beta	1.12	Target Price	113.80

Payout	5.99%	Debt/Eq	0.98	Sales Q/Q	3.39%	SMA50	9.30%	Rel Volume	0.81	Prev Close	108.07

Employees	6,000	LT Debt/Eq	1.32	Earnings	Oct 22	SMA200	34.96%	Avg Volume	692.28K	Price	110.80

IPO Date	Jun 07, 2001	Option/Short	Yes / Yes	EPS/Sales Surpr.	29.67% 3.51%	Net Debt/EBITDA	-0.54	Volume	561,276	Change	2.53%

Analyst Ratings

Date	Action	Analyst	Rating	Target
Jul-27-26	Reiterated	Seaport Global	Buy	$113 → $119
Jul-24-26	Reiterated	Morgan Stanley	Equal Weight	$102 → $107
Jul-24-26	Reiterated	Barclays	Equal Weight	$104 → $109
Jul-20-26	Reiterated	Morgan Stanley	Equal Weight	$98 → $102
Jul-07-26	Upgrade	Barclays	Underweight → Equal Weight	$70 → $104
Jul-07-26	Reiterated	UBS	Buy	$92 → $120
Jul-07-26	Reiterated	Goldman Sachs	Neutral	$84 → $108
Jul-06-26	Reiterated	Evercore ISI Group	Outperform	$99 → $116
Jun-30-26	Reiterated	BTIG	Buy	$105 → $132
Jun-11-26	Reiterated	RBC Capital	Sector Perform	$105 → $115

Latest News

Jul-28-26

Jul-28-2609:29AM

Evercore ISI Group Maintains Outperform on Bread Financial Holdings, Raises Price Target to $120Benzinga

Jul-25-26

Jul-25-2604:43AM

Fifth Third Bancorp Buys 17,269 Shares of Bread Financial Holdings, Inc. $BFHdefenseworld.net

Jul-24-26

Jul-24-2602:41PM

BFH Q2 Earnings Beat Estimates on Solid Credit Sales, Revenues Rise Y/Yzacks.com

12:48PM

TD Cowen Maintains Hold on Bread Financial Holdings, Raises Price Target to $114Benzinga

Jul-23-26

Jul-23-2602:20PM

Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call Transcriptseekingalpha.com

02:07PM

Bread Financial Q2 Earnings Call Highlightsmarketbeat.com

12:30PM

Compared to Estimates, Bread Financial (BFH) Q2 Earnings: A Look at Key Metricszacks.com

09:16AM

Bread Financial Holdings (BFH) Q2 Earnings and Revenues Beat Estimateszacks.com

06:55AM

Bread Financial Provides Performance Update for June 2026globenewswire.com

06:50AM

Bread Financial Reports Second Quarter 2026 Resultsglobenewswire.com

06:45AM

Bread Financial Declares Dividends on Preferred and Common Stockglobenewswire.com

Jul-21-26

Jul-21-2604:51AM

Bessemer Group Inc. Raises Holdings in Bread Financial Holdings, Inc. $BFHdefenseworld.net

Jul-20-26

Jul-20-2602:33PM

Morgan Stanley Maintains Equal-Weight on Bread Financial Holdings, Raises Price Target to $102Benzinga

Jul-16-26

Jul-16-2611:01AM

Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Can the Stock Move Higher?zacks.com

Jul-14-26

Jul-14-2607:30AM

Bread Financial Announces Executive Leadership Changesglobenewswire.com

Company

Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023	FY 2022 12/31/2022	FY 2021 12/31/2021	FY 2020 12/31/2020	FY 2019 12/31/2019	FY 2018 12/31/2018
Total Revenue	4,754	4,699	4,798	5,174	4,373	3,270	3,298	3,348	5,667
Cost of Goods Sold Incl. D&A	1,712	1,723	2,357	2,108	2,097	1,593	2,571	3,257	3,080
Gross Profit	3,042	2,976	2,441	3,066	2,276	1,677	1,950	2,325	2,587
Selling, General and Administrative Excl. Other	1,295	1,311	1,044	1,028	959	831	752	926	163
Research and Development	0	0	0	0	0	0	0	0	0
Other Operating Expense	1,064	1,051	1,016	1,070	1,017	-198	-914	-2,142	667
Operating Income	683	614	381	968	300	1,044	888	1,307	1,757
Interest Expense	797	854	960	879	503	383	499	638	156
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	797	854	960	879	503	383	-88	-7	-386
Net Income Before Taxes	683	614	381	968	300	1,044	301	662	1,215
Income Taxes	115	92	102	231	76	247	93	156	270
Consolidated Net Income	568	518	277	718	223	801	214	278	963
Net Income From Continuing Operations	568	522	279	737	224	797	208	506	946
Net Income	568	518	277	718	223	801	214	278	963
EPS (Recurring)	13.01	11.13	5.58	14.42	4.47	16.12	4.47	11.45	17.54
EPS (Basic, Before Extraordinaries)	13.01	11.13	5.58	14.42	4.47	16.12	4.47	11.45	17.54
EPS (Diluted)	12.82	10.96	5.50	14.36	4.46	16.02	4.46	11.45	17.48
EBITDA	740	694	471	1,084	413	1,167	549	994	1,702
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	8.64	6.75	11.10	2.29	8.44	4.16	13.25	7.82	6.85
Price To Sales Ratio	0.93	0.71	0.64	0.32	0.43	1.02	0.86	1.34	1.16
Gross Margin	63.99	63.33	50.88	59.26	52.05	51.28	59.13	69.44	45.65
Operating Margin	14.37	13.07	7.94	18.71	6.86	31.93	26.93	39.04	31.00
Net Margin	11.95	11.02	5.77	13.88	5.10	24.50	6.49	8.30	16.99
Shares Outstanding	40	45	50	50	50	50	48	50	55
Market Capitalization	4,432	3,331	3,053	1,647	1,883	3,328	2,837	4,475	6,584
Operating Lease Expense	—	—	—	—	—	—	—	—	—

Unlock full historical data

See years of past statements with Premium.

Unlock with Premium

Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Lakhwara Praniti	Director	Jul 28 '26	Sale	106.12	2,802	297,348	4,458	Jul 29
Andretta Ralph J	President and CEO	May 29 '26	Sale	89.10	15,000	1,336,540	582,241	Jun 01
Fawcett John J.	Director	May 21 '26	Buy	86.43	698	60,328	11,000	May 22
BALLOU ROGER H	Director	Apr 24 '26	Sale	90.32	9,687	874,930	30,079	Apr 27
Fawcett John J.	Director	Jul 30 '25	Buy	61.79	1,027	63,459	10,302	Aug 01
Fawcett John J.	Director	Oct 28 '24	Buy	51.02	1,000	51,020	6,473	Oct 30
Fawcett John J.	Director	Aug 12 '24	Buy	49.82	2,000	99,644	5,473	Aug 14
Turtle Creek Asset Management Inc.	10% Owner	Jan 29 '24	Sale	35.67	45,000	1,605,247	293,092	Jan 29
Turtle Creek Asset Management Inc.	10% Owner	Jan 26 '24	Sale	35.53	30,000	1,065,834	295,787	Jan 26
Turtle Creek Asset Management Inc.	10% Owner	Jan 25 '24	Sale	32.23	30,000	966,976	297,583	Jan 26
Turtle Creek Asset Management Inc.	10% Owner	Jan 24 '24	Sale	30.82	30,000	924,578	299,380	Jan 26
Turtle Creek Asset Management Inc.	10% Owner	Jan 23 '24	Sale	31.12	30,000	933,479	301,176	Jan 23
Turtle Creek Asset Management Inc.	10% Owner	Jan 22 '24	Sale	30.88	30,000	926,454	302,973	Jan 23
Turtle Creek Asset Management Inc.	10% Owner	Jan 19 '24	Sale	29.86	30,000	895,810	304,769	Jan 23
Turtle Creek Asset Management Inc.	10% Owner	Jan 18 '24	Sale	29.38	30,000	881,316	306,566	Jan 18

open in yahoo·open in reuters·open in marketwatch·open in google·open in EDGAR

QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.