NYSE:BFH Bread Financial (BFH) Stock Price, News & Analysis $98.07 -0.83 (-0.84%) As of 09:41 AM Eastern This is a fair market value price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsInsider TradesNews and TrendsOptions ChainOwnershipSEC FilingsShort Interest About Bread Financial Stock (NYSE:BFH) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get Bread Financial alerts:Sign Up Key Stats Today's Range$96.15▼$100.1650-Day Range$96.94▼$113.2252-Week Range$53.83▼$114.53Volume417,768 shsAverage Volume582,956 shsMarket Capitalization$3.77 billionP/E Ratio7.72Dividend Yield0.94%Price Target$112.50Consensus RatingModerate Buy Company Overview Bread Financial Corporation (NYSE: BFH) is a financial services company that provides payment, lending and savings solutions to consumers and businesses. The company works with merchants and brands to offer private-label and co-branded credit cards, installment loans, buy now, pay later services and other financing options at the point of sale. Its consumer products and services include Bread Pay payment solutions, credit card programs issued through its banking subsidiaries, and Bread Savings deposit products. Bread Financial also provides merchants with tools for customer acquisition, loyalty programs, digital payments and data-driven marketing intended to support customer engagement and repeat purchases. The company was founded as Alliance Data Systems in 1996 and adopted the Bread Financial name in 2022 as part of a broader effort to align its corporate identity with its consumer-facing financial services businesses. Headquartered in Columbus, Ohio, Bread Financial primarily serves consumers and merchant partners in the United States. Ralph Andre serves as the company's president and chief executive officer.AI Generated. May Contain Errors. Read More Bread Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks92nd Percentile Overall ScoreBFH MarketRank™: Bread Financial scored higher than 92% of companies evaluated by MarketBeat, and ranked 152nd out of 836 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion3.4 / 5Analyst RatingModerate Buy Consensus RatingBread Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.56, and is based on 1 strong buy rating, 8 buy ratings, 6 hold ratings, and 1 sell rating.Upside PotentialBread Financial has a consensus price target of $112.50, representing about 13.6% upside from its current price of $99.02.Amount of Analyst CoverageBread Financial has been the subject of 9 research reports in the past 90 days, demonstrating strong analyst interest in this stock.Read more about Bread Financial's stock forecast and price target. Earnings and Valuation3.8 / 5Proj. Earnings Growth7.94% Earnings GrowthEarnings for Bread Financial are expected to grow by 7.94% in the coming year, from $12.22 to $13.19 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Bread Financial is 7.72, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.66.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 7.72, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.45.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 0.61. PEG Ratios below 1 indicate that a company could be undervalued.Price to Book Value per Share RatioBread Financial has a P/B Ratio of 1.36. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about Bread Financial's valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted7.35% of the float of Bread Financial has been sold short.Short Interest Ratio / Days to CoverBread Financial has a short interest ratio ("days to cover") of 5.57.Change versus previous monthShort interest in Bread Financial has recently decreased by 9.83%, indicating that investor sentiment is improving significantly. Dividend1.7 / 5Dividend StrengthWeak Dividend YieldBread Financial has a dividend yield of 0.94%, which is in the bottom 25% of all stocks that pay dividends.Dividend GrowthBread Financial does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Bread Financial is 7.18%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Bread Financial will have a dividend payout ratio of 6.97% next year. This indicates that Bread Financial will be able to sustain or increase its dividend.Read more about Bread Financial's dividend. News and Social Media1.5 / 5News Sentiment0.35 News SentimentBread Financial has a news sentiment score of 0.35. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.59 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 2 news articles for Bread Financial this week, compared to 7 articles on an average week.Search InterestOnly 1 people have searched for BFH on MarketBeat in the last 30 days. This is a decrease of -67% compared to the previous 30 days. Company Ownership2.2 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, Bread Financial insiders have sold 17,087.75% more of their company's stock than they have bought. Specifically, they have bought $1,730.00 in company stock and sold $297,348.00 in company stock.Percentage Held by Insiders1.30% of the stock of Bread Financial is held by insiders.Percentage Held by Institutions99.52% of the stock of Bread Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Bread Financial's insider trading history. Receive BFH Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Bread Financial and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. 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BFH Stock News HeadlinesBread Financial Schedules Third Quarter 2026 Earnings Conference Call for Oct. 222 hours ago | globenewswire.comAnalyzing Oportun Financial (NASDAQ:OPRT) and Bread Financial (NYSE:BFH)October 3 at 4:01 AM | americanbankingnews.comNvidia’s record quarter could send this new type of AI soaringNvidia just posted 96.2 billion in revenue for a single quarter, more than Coca-Cola generates in an entire year. The top five hyperscalers, Amazon, Google, Microsoft, Meta, and Oracle, are projected to spend 800 billion on AI this year and 1.3 trillion next year. Jason Bodner, a former Wall Street trader whose system has flagged stocks like Nvidia, Super Micro Computer, and Vertiv before major run ups, says a new light speed technology called Accelerated AI could be next in line for that spending.October 6 at 1:00 AM | Brownstone Research (Ad)Bread Financial Holdings, Inc. (NYSE:BFH) Stock Has Consensus Price Target of $112.29 According to AnalystsSeptember 30, 2026 | americanbankingnews.comBread Financial (NYSE:BFH) Stock Lifted to Buy by Wall Street ZenSeptember 27, 2026 | americanbankingnews.comBread Financial Holdings Inc (BFH) Stock Down 4.9% but Still Overvalued -- GF Score: 65/100September 22, 2026 | gurufocus.comThe Bull Case For Bread Financial (BFH) Could Change Following Expanded Credit Partnership With SignetSeptember 17, 2026 | finance.yahoo.comCredit card delinquencies, charge-offs tick up: August Credit PulseSeptember 16, 2026 | msn.comSee More Headlines BFH Stock Analysis - Frequently Asked Questions How have BFH shares performed this year? Bread Financial's stock was trading at $74.12 at the start of the year. Since then, BFH shares have increased by 33.6% and is now trading at $99.0240. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) posted its quarterly earnings results on Thursday, July, 23rd. The company reported $3.55 earnings per share for the quarter, topping analysts' consensus estimates of $2.74 by $0.81. Bread Financial's revenue for the quarter was up 6.9% compared to the same quarter last year. Read the conference call transcript. Is Bread Financial doing a stock buyback? Bread Financial's Board of Directors authorized a share repurchase program on Thursday, February 26th 2026, which allows the company to repurchase $600,000,000 in outstanding shares, according to EventVestor. This means that the company could buy up to 19% of its stock through open market purchases. Stock buyback programs are usually a sign that the company's board believes its shares are undervalued. Who are Bread Financial's major shareholders? Bread Financial's top institutional investors include Argent Capital Management LLC (0.03%). Insiders that own company stock include Ralph J Andretta, Ralph J Andretta, Ralph J Andretta, Turtle Creek Asset Management, Roger H Ballou, Dennis James Mccarthy, John J Fawcett and Praniti Lakhwara. View institutional ownership trends. How do I buy shares of Bread Financial? Shares of BFH stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Bread Financial own? Based on aggregate information from My MarketBeat watchlists, some other companies that Bread Financial investors own include Waste Connections (WCN), American Water Works (AWK), The RMR Group (RMR), AUO (AUOTY), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM). Company Calendar Last Earnings7/23/2026Record date for 9/15 Dividend8/31/2026Ex-Dividend for 9/15 Dividend8/31/2026Dividend Payable9/15/2026Today10/06/2026Next Earnings (Estimated)10/22/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (15m+) 1-Year History Oct 25 Jan 26 Apr 26 Jul 26 Oct 26 BFH's financial health is in the Green zone, according to TradeSmith. BFH has been in this zone for over 15 months. Industry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry Consumer Finance Sub-IndustryConsumer Finance Current SymbolNYSE:BFH CIK1101215 Webwww.breadfinancial.com Phone(614) 729-4000Fax214-494-3000Employees6,000Year Founded2014Price Target and Rating Average Price Target for Bread Financial$112.50 High Price Target$132.00 Low Price Target$72.00 Potential Upside/Downside+13.6%Consensus RatingModerate Buy Rating Score (0-4)2.56 Research Coverage16 Analysts Profitability EPS (Trailing Twelve Months)$12.82 Trailing P/E Ratio7.72 Forward P/E Ratio8.10 P/E Growth0.61Net Income$518 million Net Margins11.95% Pretax Margin14.39% Return on Equity18.42% Return on Assets2.76% Debt Debt-to-Equity Ratio0.25 Current Ratio1.17 Quick Ratio1.17 Sales & Book Value Annual Sales$4.70 billion Price / Sales0.81 Cash Flow$16.50 per share Price / Cash Flow6.00 Book Value$72.86 per share Price / Book1.36Miscellaneous Outstanding Shares38,420,000Free Float37,920,000Market Cap$3.80 billion OptionableOptionable Beta1.15 Social Links 7 Energy Stocks to Buy and Hold ForeverWith the proliferation of data centers and electric vehicles, the electric grid will only get more strained. 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