Trending NewsTrending NewsLowest-Rated StocksLowest-RatedNYSE:BFH Bread Financial (BFH) Stock Price, News & Analysis $63.32 +2.32 (+3.81%) Closing price 07/25/2025 03:59 PM EasternExtended Trading$63.27 -0.05 (-0.08%) As of 07/25/2025 07:13 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$60.90▼$64.0950-Day Range$49.46▼$64.2052-Week Range$38.21▼$66.71Volume1.09 million shsAverage Volume647,762 shsMarket Capitalization$2.95 billionP/E Ratio10.71Dividend Yield1.33%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™ Stocks73rd Percentile Overall ScoreBFH MarketRank™: Bread Financial scored higher than 73% of companies evaluated by MarketBeat, and ranked 402nd out of 938 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 been the subject of 5 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 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 10.71, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.97.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 10.71, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.03.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 1.14. PEG Ratios above 1 indicate that a company could be overvalued.Price to Book Value per Share RatioBread Financial has a P/B Ratio of 0.93. 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 Shorted8.62% 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 4.3.Change versus previous monthShort interest in Bread Financial has recently decreased by 1.02%, indicating that investor sentiment is improving. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldBread Financial pays a meaningful dividend of 1.38%, 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 14.92%. 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 Shorted8.62% 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 4.3.Change versus previous monthShort interest in Bread Financial has recently decreased by 1.02%, indicating that investor sentiment is improving. News and Social Media2.7 / 5News Sentiment0.92 News SentimentBread Financial has a news sentiment score of 0.92. 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 news sentiment score is similar to the average news sentiment of Finance companies.News Coverage This WeekMarketBeat has tracked 19 news articles for Bread Financial this week, compared to 8 articles on an average week.Search Interest6 people have searched for BFH on MarketBeat in the last 30 days. This is an increase of 200% compared to the previous 30 days. Company Ownership1.7 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, Bread Financial insiders have not sold or bought any 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.: Bread Financial Provides Performance Update for June 20252 hours ago | finanznachrichten.deBread Financial Holdings, Inc. (BFH) Q2 2025 Earnings Call TranscriptJuly 25 at 1:13 PM | seekingalpha.comBuffett to put 90% of his money in this one stock?CPA and CFA says you have WAY too many stocks - just buy these 3 After years working at the biggest accounting firms like Deloitte and KPMG, Joel Litman (who’s also a member of the Global CFA Institute) figured out a unique, less-risky way to grow rich in the stock market. Litman says you don’t need dozens of investments, overpriced advisers, or hedge funds. You just need these 3 stocks, which have helped Litman’s own mom earn 3,400%.July 26 at 2:00 AM | Altimetry (Ad)Bread Financial Holdings, Inc. 2025 Q2 - Results - Earnings Call PresentationJuly 25 at 1:02 PM | seekingalpha.comEarnings Preview: Bread Finl HldgsJuly 24 at 10:24 PM | benzinga.comBread Financial's June credit card delinquency unchanged, charge-offs downJuly 24 at 4:53 PM | msn.comBread Financial Provides Performance Update for June 2025July 24 at 6:55 AM | globenewswire.comBread Financial Reports Second Quarter 2025 ResultsJuly 24 at 6:50 AM | globenewswire.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 shares have increased by 3.7% and is now trading at $63.3230. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) announced its earnings results on Thursday, July, 24th. The company reported $3.14 EPS for the quarter, topping the consensus estimate of $1.85 by $1.29. Bread Financial's quarterly 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 buyback plan on Wednesday, March 5th 2025, which allows the company to buy back $150,000,000 in outstanding shares, according to EventVestor. This means that the company could repurchase up to 6% of its stock through open market purchases. Stock buyback plans are usually a sign that the company's board believes its shares are undervalued. Who are Bread Financial's major shareholders? Top institutional investors of Bread Financial include Pzena Investment Management LLC (1.72%), Robeco Institutional Asset Management B.V. (0.25%), CX Institutional (0.22%) and Exchange Traded Concepts LLC (0.21%). 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 Earnings7/24/2025Today7/26/2025Record 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+1.7%Consensus RatingHold Rating Score (0-4)2.08 Research Coverage13 Analysts Profitability EPS (Trailing Twelve Months)$5.63 Trailing P/E Ratio10.71 Forward P/E Ratio9.82 P/E Growth1.14Net 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 / Sales0.61 Cash Flow$12.22 per share Price / Cash Flow5.18 Book Value$68.01 per share Price / Book0.93Miscellaneous Outstanding Shares46,550,000Free Float46,153,000Market Cap$2.95 billion OptionableOptionable Beta1.38 Social Links 7 Stocks to Buy And Hold ForeverEnter your email address and we'll send you MarketBeat's list of seven stocks and why their long-term outlooks are very promising. 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