Lowest-Rated StocksLowest-RatedPositive News SentimentPositive NewsNYSE:BFH Bread Financial (BFH) Stock Price, News & Analysis $59.12 -0.30 (-0.50%) As of 01:28 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) 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$58.43▼$59.8050-Day Range$49.46▼$64.2052-Week Range$38.21▼$66.71Volume94,158 shsAverage Volume854,658 shsMarket Capitalization$2.76 billionP/E Ratio10.01Dividend Yield1.42%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™ Stocks70th Percentile Overall ScoreBFH MarketRank™: Bread Financial scored higher than 70% of companies evaluated by MarketBeat, and ranked 919th out of 1,828 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.0 / 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 9.95, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.11.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 9.95, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.92.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 0.98. 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 0.96. 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 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 1.46%, 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 Media2.4 / 5News Sentiment1.25 News SentimentBread Financial has a news sentiment score of 1.25. 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 0.72 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 7 news articles for Bread Financial this week, compared to 8 articles on an average week.Search InterestOnly 2 people have searched for BFH on MarketBeat in the last 30 days. This is a decrease of -60% 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. Email Address BFH Stock News HeadlinesBread Financial Holdings, Inc. (NYSE:BFH) Director John J. Fawcett Purchases 1,027 SharesAugust 2 at 7:31 AM | insidertrades.comBread Financial Holdings, Inc. (NYSE:BFH) Q2 2025 Earnings Call TranscriptJuly 29, 2025 | msn.comMarket Panic: Trump Just Dropped a Bomb on Your Stockstock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tariffs just lit the fuse. Millions of investors are blindsided as stocks plunge… but this is only Phase 1. If you're still holding the wrong assets, you could lose 30% or more in the coming weeks.August 5 at 2:00 AM | American Alternative (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 start of the year. Since then, BFH stock has decreased by 3.9% and is now trading at $58.68. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) released its quarterly earnings data on Thursday, July, 24th. The company reported $3.14 EPS for the quarter, topping analysts' consensus estimates of $1.85 by $1.29. The firm'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 approved a stock buyback program on Wednesday, March 5th 2025, which allows the company to repurchase $150,000,000 in shares, according to EventVestor. This means that the company could reacquire up to 6% of its shares through open market purchases. Shares buyback programs are typically an indication that the company's management believes its stock is undervalued. Who are Bread Financial's major shareholders? Top institutional shareholders of Bread Financial 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 Earnings7/24/2025Today8/05/2025Record date for 9/12 Dividend8/08/2025Ex-Dividend for 9/12 Dividend8/08/2025Dividend Payable9/12/2025Next 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 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+9.8%Consensus RatingHold Rating Score (0-4)2.08 Research Coverage13 Analysts Profitability EPS (Trailing Twelve Months)$5.91 Trailing P/E Ratio9.95 Forward P/E Ratio9.10 P/E Growth0.98Net 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 / Sales0.57 Cash Flow$12.02 per share Price / Cash Flow4.88 Book Value$61.37 per share Price / Book0.96Miscellaneous Outstanding Shares46,640,000Free Float46,353,000Market Cap$2.74 billion OptionableOptionable Beta1.42 Social Links Options Trading Made Easy - Download NowLearn the basics of options trading and how to use them to boost returns and manage risk with this free report from MarketBeat. Click the link below to get your free copy.Get This Free Report This page (NYSE:BFH) was last updated on 8/5/2025 by MarketBeat.com Staff From Our PartnersMan 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 | SponsoredCrypto Income (almost instantly)How would you like to collect a small percentage of the $4 billion changing hands daily in the crypto market? ...Awesomely, LLC | SponsoredElon’s Secret Social Security BombshellTo All Americans Born Before April 16th, 1963: Did Trump Just Give The Green Light To Radically RE-DO Social S...Banyan Hill Publishing | SponsoredTrump’s national nightmare is herePorter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger ...Porter & Company | SponsoredEx-Hedge Fund Manager Uncovers $100 Trillion Land ShiftTrump's Radical New Plan Could Enrich Thousands This isn't a campaign stunt. It's a $100 trillion move to u...Stansberry Research | SponsoredCritical AI announcement set to ignite AI 2.0 I just put together an urgent new presentation that you need to see right away. In short: I believe we are...Timothy Sykes | SponsoredThe $7 company helping Nvidia build the world’s first trillion-dollar robot …Michael Robinson has been at the forefront of the technology market for over 40 years. Spotting some profit...Weiss Ratings | SponsoredAmazon’s big Bitcoin embarrassmentBitcoin just passed Amazon in total market cap — but most investors are missing the bigger opportunity. Whi...Brownstone Research | 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.