NYSE:BFH Bread Financial (BFH) Stock Forecast, Price & News $34.24 -0.13 (-0.38%) (As of 04:01 PM ET) Add Compare Share Share Today's Range$34.00▼$34.5950-Day Range$34.36▼$41.5752-Week Range$23.19▼$44.52Volume277,422 shsAverage Volume870,043 shsMarket Capitalization$1.72 billionP/E Ratio3.41Dividend Yield2.45%Price Target$42.13 ProfileProfileAnalyst RatingsChartCompetitorsDividendEarningsFinancialsInsider TradesInstitutional OwnershipHeadlinesOptions ChainSEC FilingsShort InterestSocial MediaProfileAnalyst RatingsChartCompetitorsDividendEarningsFinancialsInsider TradesInstitutional OwnershipHeadlinesOptions ChainSEC FilingsShort InterestSocial Media Bread Financial MarketRank™ ForecastAnalyst RatingHold2.25 Rating ScoreUpside/Downside22.8% Upside$42.13 Price TargetShort InterestBearish8.09% of Float Sold ShortDividend StrengthModerateBased on Four FactorsSustainabilityN/ANews Sentiment0.90Based on 6 Articles This WeekInsider TradingAcquiring Shares$100,272 Bought Last QuarterProj. Earnings Growth-21.88%From $12.48 to $9.75 Per ShareSee Full Details Hide Full Details Overall MarketRank™MarketRank is calculated as an average of available category scores, with extra weight given to analysis and valuation.2.53 out of 5 starsBusiness Services Sector85th out of 307 stocksBusiness Services, Not Elsewhere Classified Industry25th out of 85 stocks 2.1 Analyst's Opinion Consensus RatingBread Financial has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on 2 buy ratings, 6 hold ratings, and no sell ratings.Price Target Upside/DownsideAccording to analysts' consensus price target of $42.13, Bread Financial has a forecasted upside of 22.8% from its current price of $34.29.Amount of Analyst CoverageBread Financial has only been the subject of 3 research reports in the past 90 days. Previous Next 1.0 Short Interest Percentage of Shares Shorted8.09% 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 increased by 9.89%, indicating that investor sentiment is decreasing significantly. Previous Next 2.5 Dividend Strength Dividend YieldBread Financial pays a meaningful dividend of 2.42%, 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 8.37%. 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 8.62% next year. This indicates that Bread Financial will be able to sustain or increase its dividend. Previous Next N/A Sustainability and ESG Overall ESG (Environmental, Social, and Governance) ScoreThere is no current Upright™ data available for BFH. Previous Next 3.3 News and Social Media Coverage News SentimentBread Financial has a news sentiment score of 0.90. 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 0.57 average news sentiment score of Business Services companies.News Coverage This WeekMarketBeat has tracked 6 news articles for Bread Financial this week, compared to 5 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 -92% compared to the previous 30 days.MarketBeat Follows3 people have added Bread Financial to their MarketBeat watchlist in the last 30 days. Previous Next 3.3 Company Ownership 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 $100,272.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 0.20% 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. Previous Next 3.1 Earnings and Valuation Earnings GrowthEarnings for Bread Financial are expected to decrease by -21.88% in the coming year, from $12.48 to $9.75 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Bread Financial is 3.42, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 121.65.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 3.42, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 32.85.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 0.09. 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 0.75. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Previous Next See Top Rated MarketRank™ Stocks Here About Bread Financial (NYSE:BFH) StockBread 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 BFH Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart BFH Stock News HeadlinesSeptember 21, 2023 | americanbankingnews.comBread Financial Holdings, Inc. (NYSE:BFH) Receives Consensus Recommendation of "Hold" from AnalystsSeptember 18, 2023 | americanbankingnews.comZacks Research Comments on Bread Financial Holdings, Inc.'s Q1 2024 Earnings (NYSE:BFH)September 22, 2023 | Behind the Markets (Ad)[BREAKING] New "Living Missile" to Replace Nuclear MissilesCBS News Reports: "It's an entirely new type of weapon." The New York Times Reports: "No existing defense can stop it." And one small company is building them for the Pentagon!September 12, 2023 | finance.yahoo.comBread Financial™ Provides Performance Update for August 2023September 8, 2023 | msn.comBread Financial: A Spooky Macro, But A Continued Strong Valuation With A Better ChartSeptember 6, 2023 | finance.yahoo.comBread Financial(TM) Included on USA Today’s Climate Leaders ListSeptember 5, 2023 | msn.comRaymond James Downgrades Bread Financial Holdings (BFH)September 5, 2023 | msn.comRBC Capital Downgrades Bread Financial Holdings (BFH)September 22, 2023 | Behind the Markets (Ad)[BREAKING] New "Living Missile" to Replace Nuclear MissilesCBS News Reports: "It's an entirely new type of weapon." The New York Times Reports: "No existing defense can stop it." And one small company is building them for the Pentagon!September 2, 2023 | finance.yahoo.comBread Financial Holdings' (NYSE:BFH) earnings have declined over five years, contributing to shareholders 78% lossSeptember 1, 2023 | finance.yahoo.comBread Financial 2022 ESG Report: A Message from Head of Sustainability, Dana BeckmanAugust 29, 2023 | finance.yahoo.comBread Financial™ to Participate in the Barclays Financial Services ConferenceAugust 25, 2023 | finance.yahoo.comBread Financial 2022 ESG Report: A Message From President and CEO, Ralph AndrettaAugust 24, 2023 | finance.yahoo.comBread Financial Holdings (BFH) is a Top-Ranked Momentum Stock: Should You Buy?August 23, 2023 | msn.comJP Morgan Maintains Bread Financial Holdings (BFH) Overweight RecommendationAugust 22, 2023 | markets.businessinsider.comWhere Bread Finl Hldgs Stands With AnalystsAugust 15, 2023 | finanznachrichten.deBread Financial Provides Performance Update for July 2023August 15, 2023 | msn.comBread Financial delinquency rate rises past prepandemic levels in JulyAugust 15, 2023 | finance.yahoo.comBread Financial™ Provides Performance Update for July 2023August 6, 2023 | finance.yahoo.comJust Three Days Till Bread Financial Holdings, Inc. (NYSE:BFH) Will Be Trading Ex-DividendAugust 1, 2023 | msn.comCredit card delinquencies tick up, net charge-offs fall in JuneJuly 29, 2023 | finance.yahoo.comWith EPS Growth And More, Bread Financial Holdings (NYSE:BFH) Makes An Interesting CaseJuly 28, 2023 | msn.comRBC Capital Maintains Bread Financial Holdings (BFH) Outperform RecommendationJuly 28, 2023 | finanznachrichten.deBread Financial Provides Performance Update for June 2023July 28, 2023 | seekingalpha.comBread Financial stock pops on new $35M buyback plan, Q2 earnings beatJuly 27, 2023 | seekingalpha.comBread Financial Holdings, Inc. 2023 Q2 - Results - Earnings Call PresentationJuly 27, 2023 | finance.yahoo.comBread Financial Holdings (BFH) Q2 Earnings and Revenues Beat EstimatesSee More Headlines 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 Company Calendar Last Earnings7/27/2023Ex-Dividend for 9/15 Dividend8/10/2023Dividend Payable9/15/2023Today9/22/2023Next Earnings (Estimated)10/26/2023Fiscal Year End12/31/2023Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE Industry Business services, not elsewhere classified Sub-IndustryN/A SectorBusiness Services Current SymbolNYSE:BFH CUSIPN/A CIK1101215 Webwww.breadfinancial.com Phone(614) 729-4000Fax214-494-3000Employees7,500Year FoundedN/APrice Target and Rating Average Stock Price Forecast$42.13 High Stock Price Forecast$64.00 Low Stock Price Forecast$30.00 Forecasted Upside/Downside+22.4%Consensus RatingHold Rating Score (0-4)2.25 Research Coverage8 Analysts Profitability EPS (Most Recent Fiscal Year)$10.04 Trailing P/E Ratio3.43 Forward P/E Ratio2.76 P/E Growth0.09Net Income$223 million Net Margins10.05% Pretax Margin14.11% Return on Equity20.52% Return on Assets2.28% Debt Debt-to-Equity Ratio0.50 Current Ratio1.17 Quick Ratio1.17 Sales & Book Value Annual Sales$4.33 billion Price / Sales0.40 Cash Flow$8.89 per share Price / Cash Flow3.87 Book Value$45.43 per share Price / Book0.76Miscellaneous Outstanding Shares50,220,000Free Float50,124,000Market Cap$1.73 billion OptionableOptionable Beta1.97 Beginners Guide To Retirement StocksClick the link below and we'll send you MarketBeat's list of seven best retirement stocks and why they should be in your portfolio. Get This Free Report Key ExecutivesMr. Ralph J. Andretta (Age 65)Pres, CEO & Director Comp: $3.85MMr. Perry S. Beberman (Age 56)Exec. VP & CFO Comp: $1.85MMs. Tammy Michelle McConnaughey (Age 48)Exec. VP of Operations & Credit Risk Comp: $1.85MMr. Joseph L. Motes III (Age 61)Exec. VP, Chief Admin. Officer, Gen. Counsel & Sec. Comp: $1.87MMs. Valerie E. Greer (Age 57)Exec. VP & Chief Commercial Officer Comp: $1.9MMr. Jonathan Bryan Campbell (Age 49)Sr. VP & Chief Accounting Officer Matt BrownSr. VP & CTOMr. Brian VerebHead of Investor RelationsBrandy SullivanSr. VP, Chief People and Culture OfficerMr. Wes HuntSr. VP of Enterprise Data Science & AnalyticsMore ExecutivesKey CompetitorsFirst AdvantageNYSE:FAPayoneer GlobalNASDAQ:PAYONuveiNASDAQ:NVEIAdvantage SolutionsNASDAQ:ADVAccoladeNASDAQ:ACCDView All CompetitorsInsiders & InstitutionsBarclays PLCBought 659 shares on 9/21/2023Ownership: 0.064%Wolverine Trading LLCBought 12,800 shares on 8/23/2023Ownership: 0.000%Virginia Retirement Systems ET ALBought 12,800 shares on 8/22/2023Ownership: 0.025%Comerica BankBought 10,001 shares on 8/22/2023Ownership: 0.020%Teachers Retirement System of The State of KentuckyBought 914 shares on 8/21/2023Ownership: 0.032%View All Insider TransactionsView All Institutional Transactions BFH Stock - Frequently Asked Questions Should I buy or sell Bread Financial stock right now? 8 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for Bread Financial in the last year. There are currently 6 hold ratings and 2 buy ratings for the stock. The consensus among Wall Street equities research analysts is that investors should "hold" BFH shares. A hold rating indicates that analysts believe investors should maintain any existing positions they have in BFH, but not buy additional shares or sell existing shares. View BFH analyst ratings or view top-rated stocks. What is Bread Financial's stock price forecast for 2023? 8 brokerages have issued 1 year price objectives for Bread Financial's stock. Their BFH share price forecasts range from $30.00 to $64.00. On average, they predict the company's share price to reach $42.13 in the next year. This suggests a possible upside of 22.4% from the stock's current price. View analysts price targets for BFH or view top-rated stocks among Wall Street analysts. How have BFH shares performed in 2023? Bread Financial's stock was trading at $37.66 on January 1st, 2023. Since then, BFH shares have decreased by 8.6% and is now trading at $34.41. View the best growth stocks for 2023 here. Are investors shorting Bread Financial? Bread Financial saw a increase in short interest in the month of August. As of August 31st, there was short interest totaling 4,000,000 shares, an increase of 9.9% from the August 15th total of 3,640,000 shares. Based on an average trading volume of 938,600 shares, the days-to-cover ratio is presently 4.3 days. Currently, 8.1% of the company's shares are sold short. View Bread Financial's Short Interest. When is Bread Financial's next earnings date? The company is scheduled to release its next quarterly earnings announcement on Thursday, October 26th 2023. View our BFH earnings forecast. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) announced its quarterly earnings data on Thursday, July, 27th. The company reported $1.27 earnings per share for the quarter, topping the consensus estimate of $0.23 by $1.04. The business earned $952 million during the quarter, compared to analyst estimates of $0.41 million. Bread Financial had a net margin of 10.05% and a trailing twelve-month return on equity of 20.52%. How often does Bread Financial pay dividends? What is the dividend yield for Bread Financial? Bread Financial announced a quarterly dividend on Thursday, July 27th. Stockholders of record on Friday, August 11th will be paid a dividend of $0.21 per share on Friday, September 15th. This represents a $0.84 dividend on an annualized basis and a yield of 2.44%. The ex-dividend date is Thursday, August 10th. Read our dividend analysis for BFH. What ETFs hold Bread Financial's stock? ETFs with the largest weight of Bread Financial (NYSE:BFH) stock in their portfolio include ETFMG Prime Mobile Payments ETF (IPAY), Royce Quant Small-Cap Quality Value ETF (SQLV), First Trust Small Cap Value AlphaDEX Fund (FYT), Invesco S&P SmallCap Financials ETF (PSCF), Invesco S&P SmallCap 600 Revenue ETF (RWJ) and First Trust Small Cap Core AlphaDEX Fund (FYX).AdvisorShares Dorsey Wright Short ETF (DWSH). Is Bread Financial a good dividend stock? Bread Financial (NYSE:BFH) pays an annual dividend of $0.84 per share and currently has a dividend yield of 2.42%. The dividend payout ratio is 8.37%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, BFH will have a dividend payout ratio of 8.62% next year. This indicates that the company will be able to sustain or increase its dividend. Read our dividend analysis for BFH. What is Bread Financial's stock symbol? Bread Financial trades on the New York Stock Exchange (NYSE) under the ticker symbol "BFH." Who are Bread Financial's major shareholders? Bread Financial's stock is owned by a variety of institutional and retail investors. Top institutional investors include BlackRock Inc. (9.60%), Dimensional Fund Advisors LP (4.97%), Franklin Resources Inc. (4.45%), State Street Corp (3.82%), Hsbc Holdings PLC (3.58%) and Geode Capital Management LLC (1.96%). Insiders that own company stock include Roger H Ballou, Timothy J Theriault and Turtle Creek Asset Management. 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 WeBull, Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab. Compare Top Brokerages Here. What is Bread Financial's stock price today? One share of BFH stock can currently be purchased for approximately $34.41. How much money does Bread Financial make? Bread Financial (NYSE:BFH) has a market capitalization of $1.73 billion and generates $4.33 billion in revenue each year. The company earns $223 million in net income (profit) each year or $10.04 on an earnings per share basis. How many employees does Bread Financial have? The company employs 7,500 workers across the globe. How can I contact Bread Financial? Bread Financial's mailing address is 3075 Loyalty Circle, Columbus OH, 43219. The official website for the company is www.breadfinancial.com. The company can be reached via phone at (614) 729-4000, via email at investorrelations@alliancedata.com, or via fax at 214-494-3000. This page (NYSE:BFH) was last updated on 9/22/2023 by MarketBeat.com Staff Adding Choose a watchlist: Watchlist Adding You have already added five stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. 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