NYSE:BFH Bread Financial (BFH) Stock Price, News & Analysis $86.54 +0.76 (+0.88%) Closing price 05/22/2026 03:59 PM EasternExtended Trading$85.93 -0.60 (-0.70%) As of 05/22/2026 04:10 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock 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$85.30▼$87.4650-Day Range$69.90▼$92.5152-Week Range$49.17▼$99.13Volume569,294 shsAverage Volume582,972 shsMarket Capitalization$3.50 billionP/E Ratio6.46Dividend Yield1.06%Price Target$94.25Consensus RatingModerate Buy Company Overview Bread Financial, formerly known as Alliance Data Systems, is a Columbus, Ohio–based financial services company that specializes in providing private label credit programs, co-brand credit cards and digital payment solutions for retail partners. The company designs, issues and services proprietary credit products, enabling merchants to offer branded financing options that drive customer loyalty and increase basket sizes at the point of sale. Through its Bread technology platform, Bread Financial delivers installment-based payment options that integrate directly into e-commerce and in-store checkout experiences. In addition to its core credit offerings, Bread Financial provides analytics, marketing and loyalty services to help merchants better understand consumer behavior and optimize promotional strategies. Its suite of data-driven tools includes customer segmentation, targeted campaigns and performance tracking, all aimed at enhancing the retailer-cardholder relationship. The company serves a diverse range of industries—including specialty apparel, home furnishings, automotive and pet care—across the United States, Canada and the United Kingdom. Since its inception as Alliance Data in the mid-1990s, the company has evolved through strategic acquisitions and divestitures, most notably spinning off its marketing services business in 2021 and rebranding to Bread Financial in 2022. Bread Financial continues to leverage its deep expertise in consumer credit and loyalty program management to support retail partners in an increasingly digital and omnichannel marketplace.AI Generated. May Contain Errors. Read More Bread Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks94th Percentile Overall ScoreBFH MarketRank™: Bread Financial scored higher than 94% of companies evaluated by MarketBeat, and ranked 116th out of 881 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion3.0 / 5Analyst RatingModerate Buy Consensus RatingBread Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 strong buy rating, 7 buy ratings, 4 hold ratings, and 2 sell ratings.Upside/DownsideThe consensus price target for Bread Financial is close to its current price, suggesting limited near-term upside or downside.Amount of Analyst CoverageBread Financial has been the subject of 11 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 Growth11.33% Earnings GrowthEarnings for Bread Financial are expected to grow by 11.33% in the coming year, from $10.59 to $11.79 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Bread Financial is 7.09, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.79.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 7.09, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.96.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 0.82. 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 1.05. 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 Interest2.0 / 5Short Interest LevelBearish Percentage of Shares Shorted8.58% 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 4.26.Change versus previous monthShort interest in Bread Financial has recently decreased by 1.29%, indicating that investor sentiment is improving. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldBread Financial pays a meaningful dividend of 1.07%, higher than 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 7.53%. 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 7.80% 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 Media3.7 / 5News Sentiment0.97 News SentimentBread Financial has a news sentiment score of 0.97. 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 higher news sentiment than the 0.65 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 14 news articles for Bread Financial this week, compared to 6 articles on an average week.Search Interest4 people have searched for BFH on MarketBeat in the last 30 days. This is an increase of 33% 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 1,350.29% more of their company's stock than they have bought. Specifically, they have bought $60,328.00 in company stock and sold $874,930.00 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. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. BFH Stock News HeadlinesLoop Capital initiates coverage of Bread Financial Holdings (BFH) with buy recommendationMay 23 at 9:43 AM | msn.comBread Financial (NYSE:BFH) Director John Fawcett Buys 698 SharesMay 23 at 8:55 AM | insidertrades.comHey, it's Jon Najarian. The SpaceX IPO is right around the corner. But I discovered Elon may have something BIGGER planned. Check this out before June 9th...After being invited to the SpaceX launch headquarters in Cape Canaveral from one of Elon's top lobbyists… Hall of Fame Trader Jon Najarian now says EVERYONE is missing an even bigger story about the SpaceX IPO… That it's just the start of an Elon Musk $44 trillion "Superconvergence…" An event that could kick off as soon as June 12th.May 24 at 1:00 AM | Banyan Hill Publishing (Ad)Bread Financial Holdings, Inc. (NYSE:BFH) Receives Average Rating of "Moderate Buy" from BrokeragesMay 23 at 2:11 AM | americanbankingnews.comBread Financial Holds 2026 Virtual Annual Stockholders MeetingMay 22 at 6:51 AM | tipranks.comBread Financial Holdings (BFH) Gets a Sell from BarclaysMay 20, 2026 | theglobeandmail.comBread Financial launches 2025 Sustainability ReportMay 20, 2026 | globenewswire.comRoger Ballou Sells 9,687 Shares of Bread Financial (NYSE:BFH) StockApril 28, 2026 | insidertrades.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 beginning of 2026. Since then, BFH shares have increased by 16.7% and is now trading at $86.5350. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) released its quarterly earnings data on Thursday, April, 23rd. The company reported $4.18 EPS for the quarter, topping the consensus estimate of $3.00 by $1.18. The company's revenue was up 4.9% on a year-over-year basis. Read the conference call transcript. Is Bread Financial doing a stock buyback? Bread Financial's Board of Directors authorized a share repurchase plan 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 purchase up to 19% of its stock through open market purchases. Stock repurchase plans are typically a sign that the company's board believes its stock is undervalued. Who are Bread Financial's major shareholders? Top institutional shareholders of Bread Financial include Dimensional Fund Advisors LP (7.64%), Turtle Creek Asset Management Inc. (6.02%), Arrowstreet Capital Limited Partnership (2.73%) and Hsbc Holdings PLC (2.50%). Insiders that own company stock include Turtle Creek Asset Management, Roger H Ballou and John J Fawcett. 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 Record date for 3/16 Dividend2/27/2026Ex-Dividend for 3/16 Dividend2/27/2026Dividend Payable3/16/2026Last Earnings4/23/2026Today5/24/2026Record date for 6/15 Dividend5/29/2026Ex-Dividend for 6/15 Dividend5/29/2026Dividend Payable6/15/2026Next Earnings (Estimated)7/23/2026Fiscal 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 (11m+) 1-Year History May 25 Aug 25 Nov 25 Feb 26 May 26 BFH's financial health is in the Green zone, according to TradeSmith. BFH has been in this zone for over 11 months. Industry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry FIN - MISC SVCS Sub-IndustryBanking Current SymbolNYSE:BFH CIK1101215 Webwww.breadfinancial.com Phone(614) 729-4000Fax214-494-3000Employees6,000Year Founded2014Price Target and Rating Average Price Target for Bread Financial$94.25 High Price Target$115.00 Low Price Target$70.00 Potential Upside/Downside+8.9%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage14 Analysts Profitability EPS (Trailing Twelve Months)$12.21 Trailing P/E Ratio6.46 Forward P/E Ratio8.17 P/E Growth0.82Net Income$518 million Net Margins11.90% Pretax Margin14.02% Return on Equity18.79% Return on Assets2.79% Debt Debt-to-Equity Ratio0.25 Current Ratio1.15 Quick Ratio1.15 Sales & Book Value Annual Sales$4.70 billion Price / Sales0.74 Cash Flow$16.33 per share Price / Cash Flow5.30 Book Value$82.29 per share Price / Book1.05Miscellaneous Outstanding Shares40,410,000Free Float39,882,000Market Cap$3.50 billion OptionableOptionable Beta1.12 Social Links 5G Stocks: The Path Forward is ProfitableClick the link to see MarketBeat's guide to investing in 5G and which 5G stocks show the most promise. Get This Free Report This page (NYSE:BFH) was last updated on 5/24/2026 by MarketBeat.com Staff. From Our PartnersHey, it's Jon Najarian. The SpaceX IPO is right around the corner. But I discovered Elon may have something BIGGER planned. 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