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NYSE:BFH

Bread Financial (BFH) Stock Price, News & Analysis

Bread Financial logo
$48.94 +0.02 (+0.04%)
Closing price 05/5/2025 03:59 PM Eastern
Extended Trading
$48.37 -0.57 (-1.17%)
As of 06:10 AM 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.

About Bread Financial Stock (NYSE:BFH)

Key Stats

Today's Range
$47.89
$49.77
50-Day Range
$41.94
$53.99
52-Week Range
$38.21
$66.71
Volume
576,447 shs
Average Volume
878,087 shs
Market Capitalization
$2.28 billion
P/E Ratio
8.82
Dividend Yield
1.72%
Price Target
$60.00
Consensus Rating
Hold

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.

Bread Financial Stock Analysis - MarketRank™

See Top-Rated MarketRank™ Stocks
82nd Percentile Overall Score

BFH MarketRank™: 

Bread Financial scored higher than 82% of companies evaluated by MarketBeat, and ranked 226th out of 949 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

  • Consensus Rating

    Bread Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on 3 buy ratings, 7 hold ratings, and 3 sell ratings.

  • Amount of Analyst Coverage

    Bread 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 Growth

    Earnings 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 Market

    The P/E ratio of Bread Financial is 8.82, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.96.

  • Price to Earnings Ratio vs. Sector

    The P/E ratio of Bread Financial is 8.82, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.33.

  • Price to Earnings Growth Ratio

    Bread Financial has a PEG Ratio of 1.25. PEG Ratios above 1 indicate that a company could be overvalued.

  • Price to Book Value per Share Ratio

    Bread Financial has a P/B Ratio of 0.80. 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.
  • Percentage of Shares Shorted

    6.58% of the float of Bread Financial has been sold short.
  • Short Interest Ratio / Days to Cover

    Bread Financial has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.
  • Change versus previous month

    Short interest in Bread Financial has recently decreased by 24.52%, indicating that investor sentiment is improving significantly.
  • Dividend Yield

    Bread Financial pays a meaningful dividend of 1.76%, higher than the bottom 25% of all stocks that pay dividends.

  • Dividend Growth

    Bread Financial does not have a long track record of dividend growth.

  • Dividend Coverage

    The dividend payout ratio of Bread Financial is 14.92%. This payout ratio is at a healthy, sustainable level, below 75%.

  • Dividend Sustainability

    Based 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.
  • Percentage of Shares Shorted

    6.58% of the float of Bread Financial has been sold short.
  • Short Interest Ratio / Days to Cover

    Bread Financial has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.
  • Change versus previous month

    Short interest in Bread Financial has recently decreased by 24.52%, indicating that investor sentiment is improving significantly.
  • News Sentiment

    Bread Financial has a news sentiment score of 1.11. 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 0.93 average news sentiment score of Finance companies.
  • News Coverage This Week

    MarketBeat has tracked 13 news articles for Bread Financial this week, compared to 8 articles on an average week.
  • Search Interest

    11 people have searched for BFH on MarketBeat in the last 30 days. This is an increase of 450% compared to the previous 30 days.
  • MarketBeat Follows

    2 people have added Bread Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.
  • Insider Buying vs. Insider Selling

    In the past three months, Bread Financial insiders have not sold or bought any company stock.

  • Percentage Held by Insiders

    Only 0.85% of the stock of Bread Financial is held by insiders.

  • Percentage Held by Institutions

    99.52% 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.
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BFH Stock News Headlines

Elon Musk is all in on these robots …
Robots — built by Nvidia. Forbes says this could be " a $24 trillion opportunity for investors." Huang said, "The ChatGPT moment for robotics is right around the corner." In fact, I believe these robots could impact 65 million Americans lives — this year. And one stock — currently priced around $7 — could be the biggest winner.
Seaport Res Ptn Predicts Higher Earnings for Bread Financial
Bread Financial price target lowered to $55 from $56 at TD Cowen
See More Headlines

BFH Stock Analysis - Frequently Asked Questions

Bread Financial's stock was trading at $61.06 at the beginning of the year. Since then, BFH stock has decreased by 19.8% and is now trading at $48.9410.
View the best growth stocks for 2025 here
.

Bread Financial Holdings, Inc. (NYSE:BFH) posted its earnings results on Thursday, April, 24th. The company reported $2.86 earnings per share (EPS) for the quarter, beating the consensus estimate of $2.10 by $0.76. The business's revenue was down 2.1% compared to the same quarter last year.
Read the conference call transcript
.

Bread Financial's board approved a stock buyback program 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 reacquire up to 6% of its stock through open market purchases. Stock buyback programs are generally an indication that the company's board of directors believes its stock is undervalued.

Bread Financial's top institutional investors include Pzena Investment Management LLC (1.51%), Allianz Asset Management GmbH (1.05%), Bank of New York Mellon Corp (0.93%) and Principal Financial Group Inc. (0.51%). Insiders that own company stock include Turtle Creek Asset Management, Roger H Ballou, Timothy J Theriault and John J Fawcett.
View institutional ownership trends
.

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.

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 3/21 Dividend
2/14/2025
Ex-Dividend for 3/21 Dividend
2/14/2025
Dividend Payable
3/21/2025
Last Earnings
4/24/2025
Today
5/06/2025
Record date for 6/13 Dividend
5/09/2025
Ex-Dividend for 6/13 Dividend
5/09/2025
Dividend Payable
6/13/2025
Next Earnings (Estimated)
7/24/2025
Fiscal Year End
12/31/2025

Industry, Sector and Symbol

Stock Exchange
NYSE
Sector
Finance
Industry
Personal credit institutions
Sub-Industry
Banking
Current Symbol
NYSE:BFH
Employees
7,500
Year Founded
N/A

Price Target and Rating

Average Stock Price Target
$60.00
High Stock Price Target
$88.00
Low Stock Price Target
$36.00
Potential Upside/Downside
+22.6%
Consensus Rating
Hold
Rating Score (0-4)
2.00
Research Coverage
13 Analysts

Profitability

Trailing P/E Ratio
8.82
Forward P/E Ratio
7.59
P/E Growth
1.25
Net Income
$277 million
Pretax Margin
7.96%

Debt

Sales & Book Value

Annual Sales
$3.82 billion
Cash Flow
$10.13 per share
Price / Cash Flow
4.83
Book Value
$61.37 per share
Price / Book
0.80

Miscellaneous

Free Float
48,788,000
Market Cap
$2.28 billion
Optionable
Optionable
Beta
1.33
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This page (NYSE:BFH) was last updated on 5/6/2025 by MarketBeat.com Staff
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