Bread Financial (BFH) Stock Price, News & Analysis

Company Overview

Bread Financial Corporation (NYSE: BFH) is a financial services company that provides payment, lending and savings solutions for consumers and businesses. Its offerings include private-label and co-branded credit cards, installment loans, buy now, pay later financing and direct-to-consumer savings products.

The company works with retailers and brands to design and manage customized credit programs, including account servicing, underwriting, transaction processing and customer engagement services. Bread Financial also provides loyalty and marketing capabilities intended to help business partners strengthen customer relationships and encourage repeat purchases.

The company traces its history to Alliance Data Systems, which developed retail credit and loyalty programs before adopting the Bread Financial name in 2022. Headquartered in Columbus, Ohio, Bread Financial primarily serves consumers and business partners in the United States. Ralph Andretta serves as the company’s president and chief executive officer.

Key Stats

• Today's Range: $104.19 to $111.43
• 50-Day Range: $93.77 to $113.22
• 52-Week Range: $53.83 to $114.53
• Volume: 545,199 shs
• Average Volume: 406,593 shs
• Market Capitalization: $4.08 billion
• P/E Ratio: 8.29
• Dividend Yield: 0.87%
• Price Target: $112.29
• Consensus Rating: Moderate Buy

Bread Financial Stock Analysis - MarketRank™

Bread Financial scored higher than 68% of companies evaluated by MarketBeat, and ranked 472nd out of 851 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Bread 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/Downside

The consensus price target for Bread Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Bread Financial has been the subject of 12 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 5.62%

Earnings Growth

Earnings for Bread Financial are expected to grow by 5.62% in the coming year, from $12.10 to $12.78 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Bread Financial is 8.29, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bread Financial is 8.29, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.67.

Price to Earnings Growth Ratio

Bread Financial has a PEG Ratio of 0.67. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

Bread Financial has a P/B Ratio of 1.46. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

8.16% of the float of Bread Financial has been sold short.

Short Interest Ratio / Days to Cover

Bread Financial has a short interest ratio ("days to cover") of 7.45.

Change versus previous month

Short interest in Bread Financial has recently increased by 14.60%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Bread Financial has a dividend yield of 0.86%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Bread Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Bread Financial is 7.18%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Bread Financial will have a dividend payout ratio of 7.20% next year. This indicates that Bread Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: 0.76

News Sentiment

Bread Financial has a news sentiment score of 0.76. 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 0.88 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for Bread Financial this week, compared to 7 articles on an average week.

Search Interest

Only 2 people have searched for BFH on MarketBeat in the last 30 days. This is a decrease of -33% compared to the previous 30 days.

MarketBeat Follows

Only 1 people have added Bread Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 1.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Bread Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $297,348.00 in company stock.

Percentage Held by Insiders

1.30% of the stock of Bread Financial is held by insiders.

Percentage Held by Institutions

99.52% of the stock of Bread Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 6/15 Dividend: 5/29/2026
• Ex-Dividend for 6/15 Dividend: 5/29/2026
• Dividend Payable: 6/15/2026
• Last Earnings: 7/23/2026
• Record date for 9/15 Dividend: 8/31/2026
• Ex-Dividend for 9/15 Dividend: 8/31/2026
• Today: 9/12/2026
• Dividend Payable: 9/15/2026
• Barclays 24th Annual Global Financial Services Conference: 9/15/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:BFH
• CIK: 1101215
• Web: www.breadfinancial.com
• Phone: (614) 729-4000
• Fax: 214-494-3000
• Employees: 6,000
• Year Founded: 2014

Price Target and Rating

• Average Price Target for Bread Financial: $112.29
• High Price Target: $132.00
• Low Price Target: $72.00
• Potential Upside/Downside: +5.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.56
• Research Coverage: 16 Analysts

Profitability

• EPS (Trailing Twelve Months): $12.82
• Trailing P/E Ratio: 8.29
• Forward P/E Ratio: 8.78
• P/E Growth: 0.67
• Net Income: $518 million
• Net Margins: 11.95%
• Pretax Margin: 14.39%
• Return on Equity: 18.42%
• Return on Assets: 2.76%

Debt

• Debt-to-Equity Ratio: 0.25
• Current Ratio: 1.17
• Quick Ratio: 1.17

Sales & Book Value

• Annual Sales: $4.70 billion
• Price / Sales: 0.87
• Cash Flow: $16.33 per share
• Price / Cash Flow: 6.51
• Book Value: $72.86 per share
• Price / Book: 1.46

Miscellaneous

• Outstanding Shares: 38,420,000
• Free Float: 37,920,000
• Market Cap: $4.08 billion
• Optionable: Optionable
• Beta: 1.10