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Bread Financial (BFH) Stock Price, News & Analysis

Bread Financial logo
$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.

About Bread Financial Stock (NYSE:BFH)

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Key Stats

Today's Range
$54.94
$55.75
50-Day Range
$54.77
$67.01
52-Week Range
$38.21
$68.01
Volume
208,393 shs
Average Volume
793,893 shs
Market Capitalization
$2.59 billion
P/E Ratio
9.40
Dividend Yield
1.51%
Price Target
$66.20
Consensus Rating
Hold

Company Overview

Bread Financial Stock Analysis - MarketRank™

See Top-Rated MarketRank™ Stocks
92nd Percentile Overall Score

BFH 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.

  • 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, 6 hold ratings, and 3 sell ratings.

  • Upside Potential

    Bread Financial has a consensus price target of $66.20, representing about 19.2% upside from its current price of $55.52.

  • Amount of Analyst Coverage

    Bread 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 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 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. Sector

    The 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 Ratio

    Bread 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 Ratio

    Bread 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.
  • Percentage of Shares Shorted

    9.61% 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 7.
  • Change versus previous month

    Short interest in Bread Financial has recently increased by 0.68%, indicating that investor sentiment is decreasing.
  • Dividend Yield

    Bread Financial pays a meaningful dividend of 1.51%, 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 14.21%. 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

    9.61% 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 7.
  • Change versus previous month

    Short interest in Bread Financial has recently increased by 0.68%, indicating that investor sentiment is decreasing.
  • News Sentiment

    Bread 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 Week

    MarketBeat has tracked 13 news articles for Bread Financial this week, compared to 9 articles on an average week.
  • Search Interest

    Only 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 Follows

    Only 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.
  • Insider Buying vs. Insider Selling

    In 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 Insiders

    Only 0.62% 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

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Bread Financial: An Opportunity To Buy The Dip
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BFH Stock Analysis - Frequently Asked Questions

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.

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
.

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.

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), AU Optronics (AUOTY), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM).

Company Calendar

Last Earnings
7/24/2025
Record date for 9/12 Dividend
8/08/2025
Ex-Dividend for 9/12 Dividend
8/08/2025
Dividend Payable
9/12/2025
Today
10/07/2025
Next Earnings (Estimated)
10/23/2025
Fiscal Year End
12/31/2025

Industry, Sector and Symbol

Stock Exchange
NYSE
Sector
Finance
Industry
FIN - MISC SVCS
Sub-Industry
Banking
Current Symbol
NYSE:BFH
CIK
1101215
Employees
6,000
Year Founded
2014

Price Target and Rating

High Price Target
$105.00
Low Price Target
$50.00
Potential Upside/Downside
+20.9%
Consensus Rating
Hold
Rating Score (0-4)
2.00
Research Coverage
12 Analysts

Profitability

EPS (Trailing Twelve Months)
$5.91
Trailing P/E Ratio
9.27
Forward P/E Ratio
8.49
P/E Growth
0.51
Net Income
$277 million
Net Margins
6.05%
Pretax Margin
8.13%
Return on Equity
13.10%
Return on Assets
1.83%

Debt

Debt-to-Equity Ratio
0.36
Current Ratio
1.18
Quick Ratio
1.18

Sales & Book Value

Annual Sales
$4.80 billion
Price / Sales
0.53
Cash Flow
$11.58 per share
Price / Cash Flow
4.73
Book Value
$61.37 per share
Price / Book
0.89

Miscellaneous

Outstanding Shares
46,640,000
Free Float
46,353,000
Market Cap
$2.55 billion
Optionable
Optionable
Beta
1.41

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This page (NYSE:BFH) was last updated on 10/7/2025 by MarketBeat.com Staff
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