Lowest-Rated StocksLowest-RatedNYSE:BFH Bread Financial (BFH) Stock Price, News & Analysis $57.58 -3.72 (-6.07%) Closing price 08/1/2025 03:59 PM EasternExtended Trading$57.68 +0.10 (+0.17%) As of 08/1/2025 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 Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Bread Financial Stock (NYSE:BFH) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Bread Financial alerts:Sign Up Key Stats Today's Range$57.41▼$60.0050-Day Range$49.46▼$64.2052-Week Range$38.21▼$66.71Volume1.32 million shsAverage Volume685,377 shsMarket Capitalization$2.69 billionP/E Ratio9.74Dividend Yield1.46%Price Target$64.42Consensus RatingHold Company Overview 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, account origination, and funding services for private label and co-brand credit card programs, as well as through Bread partnerships; and Comenity-branded general purpose cash-back credit. 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, 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. It offers its products under the Bread CashbackTM, Bread PayTM, and Bread SavingsTM 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. Read More Bread Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks83rd Percentile Overall ScoreBFH MarketRank™: Bread Financial scored higher than 83% of companies evaluated by MarketBeat, and ranked 376th out of 919 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.0 / 5Analyst RatingHold Consensus RatingBread Financial has received a consensus rating of Hold. The company's average rating score is 2.08, and is based on 4 buy ratings, 6 hold ratings, and 3 sell ratings.Amount of Analyst CoverageBread Financial has only been the subject of 4 research reports in the past 90 days.Read more about Bread Financial's stock forecast and price target. Earnings and Valuation4.4 / 5Proj. Earnings Growth37.52% Earnings GrowthEarnings for Bread Financial are expected to grow by 37.52% in the coming year, from $6.45 to $8.87 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Bread Financial is 9.74, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.09.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 9.74, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.74.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 1.04. PEG Ratios around 1 indicate that a company is correctly valued.Price to Book Value per Share RatioBread Financial has a P/B Ratio of 0.85. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Short Interest2.0 / 5Short Interest LevelBearish Percentage of Shares Shorted8.57% 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 5.1.Change versus previous monthShort interest in Bread Financial has recently decreased by 0.51%, indicating that investor sentiment is improving. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldBread Financial pays a meaningful dividend of 1.37%, 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 14.21%. 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 9.47% next year. This indicates that Bread Financial will be able to sustain or increase its dividend.Read more about Bread Financial's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted8.57% 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 5.1.Change versus previous monthShort interest in Bread Financial has recently decreased by 0.51%, indicating that investor sentiment is improving. News and Social Media2.8 / 5News Sentiment1.07 News SentimentBread Financial has a news sentiment score of 1.07. 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 0.78 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 16 news articles for Bread Financial this week, compared to 8 articles on an average week.Search InterestOnly 3 people have searched for BFH on MarketBeat in the last 30 days. This is a decrease of -40% compared to the previous 30 days. Company Ownership3.3 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Bread Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $63,458.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 0.85% 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. Email Address BFH Stock News HeadlinesBread Financial Holdings, Inc. (NYSE:BFH) Director John J. Fawcett Purchases 1,027 Shares3 hours ago | insidertrades.comBread Financial Holdings, Inc. (NYSE:BFH) Q2 2025 Earnings Call TranscriptJuly 29, 2025 | msn.com$100 Trillion “AI Metal” Found in American Ghost TownJeff Brown recently traveled to a ghost town in the middle of an American desert… To investigate what could be the biggest technology story of this decade. In short, he believes what he's holding in his hand is the key to the $100 trillion AI boom… And only one company here in the U.S. can mine this obscure metal.August 2 at 2:00 AM | Brownstone Research (Ad)Stocks Showing Improving Market Leadership: Bread Financial Earns 82 RS RatingJuly 29, 2025 | msn.comWall Street Zen Upgrades Bread Financial (NYSE:BFH) to "Strong-Buy"July 28, 2025 | americanbankingnews.comBread Financial (NYSE:BFH) Price Target Raised to $74.00July 28, 2025 | americanbankingnews.comBread Financial Holdings, Inc.: Bread Financial Provides Performance Update for June 2025July 26, 2025 | finanznachrichten.deBread Financial Holdings, Inc. (BFH) Q2 2025 Earnings Call TranscriptJuly 25, 2025 | seekingalpha.comSee More Headlines BFH Stock Analysis - Frequently Asked Questions How have BFH shares performed this year? Bread Financial's stock was trading at $61.06 at the beginning of 2025. Since then, BFH stock has decreased by 5.7% and is now trading at $57.58. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) issued its quarterly earnings results on Thursday, July, 24th. The company reported $3.14 EPS for the quarter, topping analysts' consensus estimates of $1.85 by $1.29. The business's revenue was down 1.1% on a year-over-year basis. Read the conference call transcript. Is Bread Financial doing a stock buyback? Bread Financial's board initiated a stock repurchase program on Wednesday, March 5th 2025, which permits the company to repurchase $150,000,000 in outstanding shares, according to EventVestor. This means that the company could repurchase up to 6% of its shares through open market purchases. Shares buyback programs are generally a sign that the company's board of directors believes its shares are undervalued. Who are Bread Financial's major shareholders? Bread Financial's top institutional shareholders include Pzena Investment Management LLC (1.72%), Allianz Asset Management GmbH (1.40%), Curat Global LLC (0.97%) and Mizuho Markets Americas LLC (0.70%). Insiders that own company stock include Turtle Creek Asset Management, Roger H Ballou, Timothy J Theriault 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), AU Optronics (AUOTY), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM). Company Calendar Record date for 6/13 Dividend5/09/2025Ex-Dividend for 6/13 Dividend5/09/2025Dividend Payable6/13/2025Last Earnings7/24/2025Today8/02/2025Record date for 9/12 Dividend8/08/2025Ex-Dividend for 9/12 Dividend8/08/2025Dividend Payable9/12/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, 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 FoundedN/APrice Target and Rating Average Price Target for Bread Financial$64.42 High Price Target$105.00 Low Price Target$39.00 Potential Upside/Downside+11.9%Consensus RatingHold Rating Score (0-4)2.08 Research Coverage13 Analysts Profitability EPS (Trailing Twelve Months)$5.91 Trailing P/E Ratio9.74 Forward P/E Ratio8.93 P/E Growth1.04Net Income$277 million Net Margins6.05% Pretax Margin8.13% Return on Equity13.10% Return on Assets1.83% Debt Debt-to-Equity Ratio0.36 Current Ratio1.18 Quick Ratio1.17 Sales & Book Value Annual Sales$4.80 billion Price / Sales0.56 Cash Flow$11.07 per share Price / Cash Flow5.20 Book Value$67.88 per share Price / Book0.85Miscellaneous Outstanding Shares46,640,000Free Float46,246,000Market Cap$2.69 billion OptionableOptionable Beta1.42 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. Download this report to learn how energy stocks can play a role in your portfolio as the global demand for energy continues to grow.Get This Free Report This page (NYSE:BFH) was last updated on 8/2/2025 by MarketBeat.com Staff From Our PartnersElon’s BIGGEST warning yet?Tesla's About to Prove Everyone Wrong... Again Back in 2018, when Jeff Brown told everyone to buy Tesla… ...Brownstone Research | SponsoredChina just unlocked Nvidia’s AI chips—what that means for youTired of Missing Big AI Moves Like Nvidia? You’re not the problem—your trading system is. Tim’s XGPT system...Timothy Sykes | SponsoredThis Social Security Shift Could Boost Benefits by 400%If you currently collect Social Security—or plan to in the future—this may be one of the most important update...InvestorPlace | SponsoredMan Who Called Nvidia at $1.10 Says Buy This Now...In 2004, one man called Nvidia before just about anyone knew it existed. Now, this same guy says a new comp...The Oxford Club | SponsoredA new rule goes live in July — and the banks are quietly crushing itA little-known regulation quietly goes into effect this July. And it's already being exploited by Wall Stre...American Alternative | SponsoredYour blueprint for crypto wealthMark August 12th on your calendar. 27 of crypto's most successful minds are about to reveal everything…Crypto 101 Media | SponsoredJeff Bezos Launches "ChatGPT Killer"?Amazon just launched Nova—its secretive new AI system designed to rival ChatGPT. Bezos says he now spends 95% ...Stansberry Research | SponsoredAlien rocks potentially worth trillions…It might look like just a weird rock—but it’s tied to a discovery 60 Minutes says could be worth up to $16 tri...Porter & Company | Sponsored Adding Choose a watchlist: Watchlist Adding You have already added ten stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding Bread Financial Holdings, Inc. Please log in to your account or sign up in order to add this asset to your watchlist. Share Bread Financial With A Colleague Link copied to clipboard. Get 30 Days of MarketBeat All Access for Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools. Start Your 30-Day Trial MarketBeat All Access Features Best-in-Class Portfolio Monitoring Get personalized stock ideas. Compare portfolio to indices. Check stock news, ratings, SEC filings, and more. Stock Ideas and Recommendations See daily stock ideas from top analysts. Receive short-term trading ideas from MarketBeat. Identify trending stocks on social media. Advanced Stock Screeners and Research Tools Use our seven stock screeners to find suitable stocks. Stay informed with MarketBeat's real-time news. Export data to Excel for personal analysis. Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Email Address Required Your Password: Password Required Log In or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Please enter your email address. Please enter a valid email address Choose a Password: Please enter your password. Your password must be at least 8 characters long and contain at least 1 number, 1 letter, and 1 special character. Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.