Lowest-Rated StocksLowest-RatedNYSE:BFH Bread Financial (BFH) Stock Price, News & Analysis $55.53 +0.76 (+1.39%) As of 02:28 PM Eastern This is a fair market value 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) 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$54.94▼$55.7550-Day Range$54.77▼$67.0152-Week Range$38.21▼$68.01Volume208,393 shsAverage Volume793,893 shsMarket Capitalization$2.59 billionP/E Ratio9.40Dividend Yield1.51%Price Target$66.20Consensus RatingHold 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™ Stocks92nd Percentile Overall ScoreBFH MarketRank™: Bread Financial scored higher than 92% of companies evaluated by MarketBeat, and ranked 109th out of 923 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion3.5 / 5Analyst RatingHold Consensus RatingBread Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on 3 buy ratings, 6 hold ratings, and 3 sell ratings.Upside PotentialBread Financial has a consensus price target of $66.20, representing about 19.2% upside from its current price of $55.52.Amount of Analyst CoverageBread Financial has been the subject of 7 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 Valuation5.0 / 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 9.39, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.46.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 9.39, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.21.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 0.51. 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 0.90. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Bread Financial's valuation and earnings. Short Interest1.0 / 5Short Interest LevelBearish Percentage of Shares Shorted9.61% 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 7.Change versus previous monthShort interest in Bread Financial has recently increased by 0.68%, indicating that investor sentiment is decreasing. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldBread Financial pays a meaningful dividend of 1.51%, 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 Shorted9.61% 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 7.Change versus previous monthShort interest in Bread Financial has recently increased by 0.68%, indicating that investor sentiment is decreasing. News and Social Media1.9 / 5News Sentiment0.39 News SentimentBread Financial has a news sentiment score of 0.39. 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 0.69 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 13 news articles for Bread Financial this week, compared to 9 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 0% compared to the previous 30 days.MarketBeat FollowsOnly 1 people have added Bread Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% 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 0.62% 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 TermsBy 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 HeadlinesThese 4 Mid-Caps Just Announced Big Buyback Plans (BFH)See which four mid-cap stocks just announced huge new buyback programs, with one firm now having buyback capacity equal to more than 12% of its market cap.September 9, 2025 | marketbeat.comBarclays Reaffirms Their Sell Rating on Bread Financial Holdings (BFH)1 hour ago | theglobeandmail.comREVEALED: Something Big Happening Behind White House DoorsWhat I just learned about what’s unfolding in the White House is truly stunning… And you need to see it for yourself. Once you see what’s unfolding behind the scenes, you’ll understand why I rushed this interview and opportunity to you today.October 7 at 2:00 AM | Paradigm Press (Ad)Barclays Maintains Bread Financial Holdings (BFH) Underweight RecommendationOctober 7 at 8:47 AM | msn.comBread Financial Schedules Third Quarter 2025 Earnings Conference Call for Oct. 23October 7 at 7:30 AM | globenewswire.comBread Financial price target lowered to $50 from $52 at BarclaysOctober 6 at 8:18 PM | msn.comBread Financial: An Opportunity To Buy The DipOctober 6 at 10:09 AM | seekingalpha.comKeefe, Bruyette & Woods Issues Pessimistic Forecast for Bread Financial (NYSE:BFH) Stock PriceOctober 3, 2025 | americanbankingnews.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 start of the year. Since then, BFH shares have decreased by 9.1% and is now trading at $55.5150. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) announced its quarterly earnings results on Thursday, July, 24th. The company reported $3.14 EPS for the quarter, beating the consensus estimate of $1.85 by $1.29. The business's revenue was down 1.1% 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 stock buyback program on Wednesday, August 27th 2025, which permits the company to repurchase $0 in outstanding shares, according to EventVestor. This permits the company to buy shares of its stock through open market purchases. Stock repurchase programs are usually an indication that the company's management believes its stock is undervalued. 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 Last Earnings7/24/2025Record date for 9/12 Dividend8/08/2025Ex-Dividend for 9/12 Dividend8/08/2025Dividend Payable9/12/2025Today10/07/2025Next Earnings (Estimated)10/23/2025Fiscal 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 Founded2014Price Target and Rating Average Price Target for Bread Financial$66.20 High Price Target$105.00 Low Price Target$50.00 Potential Upside/Downside+20.9%Consensus RatingHold Rating Score (0-4)2.00 Research Coverage12 Analysts Profitability EPS (Trailing Twelve Months)$5.91 Trailing P/E Ratio9.27 Forward P/E Ratio8.49 P/E Growth0.51Net 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 Ratio1.18 Sales & Book Value Annual Sales$4.80 billion Price / Sales0.53 Cash Flow$11.58 per share Price / Cash Flow4.73 Book Value$61.37 per share Price / Book0.89Miscellaneous Outstanding Shares46,640,000Free Float46,353,000Market Cap$2.55 billion OptionableOptionable Beta1.41 Social Links The Best Nuclear Energy Stocks to BuyNuclear energy stocks are roaring. 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