NYSE:BFH Bread Financial (BFH) Stock Forecast, Price & News $28.73 +0.55 (+1.95%) (As of 06/1/2023 ET) Add Compare Share Share Today's Range$28.18▼$29.1750-Day Range$23.70▼$30.5252-Week Range$23.19▼$55.87Volume611,104 shsAverage Volume869,076 shsMarket Capitalization$1.44 billionP/E Ratio3.08Dividend Yield2.92%Price Target$44.88 ProfileProfileAnalyst RatingsChartCompetitorsDividendEarningsFinancialsInsider TradesInstitutional OwnershipHeadlinesOptions ChainSEC FilingsShort InterestSocial MediaProfileAnalyst RatingsChartCompetitorsDividendEarningsFinancialsInsider TradesInstitutional OwnershipHeadlinesOptions ChainSEC FilingsShort InterestSocial Media Bread Financial MarketRank™ ForecastAnalyst RatingHold2.43 Rating ScoreUpside/Downside56.2% Upside$44.88 Price TargetShort InterestHealthy8.59% of Float Sold ShortDividend StrengthModerateBased on Four FactorsSustainabilityN/ANews Sentiment1.04Based on 7 Articles This WeekInsider TradingAcquiring Shares$15.31 M Bought Last QuarterProj. Earnings Growth-14.98%From $11.68 to $9.93 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.3.06 out of 5 starsBusiness Services Sector21st out of 684 stocksBusiness Services, Not Elsewhere Classified Industry7th out of 182 stocks 3.2 Analyst's Opinion Consensus RatingBread Financial has received a consensus rating of Hold. The company's average rating score is 2.43, and is based on 3 buy ratings, 4 hold ratings, and no sell ratings.Price Target Upside/DownsideAccording to analysts' consensus price target of $44.88, Bread Financial has a forecasted upside of 56.2% from its current price of $28.73.Amount of Analyst CoverageBread Financial has only been the subject of 4 research reports in the past 90 days. Previous Next 3.0 Short Interest Percentage of Shares Shorted8.59% 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 5.4.Change versus previous monthShort interest in Bread Financial has recently decreased by 8.62%, indicating that investor sentiment is improving significantly. Previous Next 2.5 Dividend Strength Dividend YieldBread Financial pays a meaningful dividend of 2.83%, 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 8.99%. 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 8.46% 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 2.8 News and Social Media Coverage News SentimentBread Financial has a news sentiment score of 1.04. 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 0.41 average news sentiment score of Business Services companies.News Coverage This WeekMarketBeat has tracked 7 news articles for Bread Financial this week, compared to 5 articles on an average week.Search InterestOnly 4 people have searched for BFH on MarketBeat in the last 30 days. This is a decrease of -76% compared to the previous 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 $15,310,418.00 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 Institutions96.62% 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 -14.98% in the coming year, from $11.68 to $9.93 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Bread Financial is 3.08, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 136.06.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 3.08, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 302.73.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 0.08. 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 0.53. 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. engages in the provision of payment, lending, and saving solutions. The firm also offers private label and co-brand credit cards and buy now, pay later products such as installment loans and split-pay offerings. The company was founded in 1996 and is headquartered in Columbus, OH.Read More 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 HeadlinesMay 31, 2023 | finance.yahoo.comBread Financial™ to Participate in the Morgan Stanley U.S. Financials, Payments & CRE ConferenceMay 29, 2023 | americanbankingnews.comBread Financial Holdings, Inc. (NYSE:BFH) Major Shareholder Purchases $442,500.00 in StockJune 1, 2023 | Legacy Research (Affiliate) (Ad)Sell Every Stock, Except ONE (Ticker Revealed)We saw one of the longest bull markets in history, with the S&P surging well over 800% But now the chickens have come home to roost. However, Jeff Clark couldn’t care less because he ignores almost every single stock in the market.May 22, 2023 | americanbankingnews.comBread Financial Holdings, Inc. (NYSE:BFH) Major Shareholder Purchases $173,979.00 in StockMay 22, 2023 | americanbankingnews.comBread Financial Holdings, Inc. (NYSE:BFH) Receives $44.88 Average PT from BrokeragesMay 18, 2023 | americanbankingnews.comTurtle Creek Asset Management Buys 113,973 Shares of Bread Financial Holdings, Inc. (NYSE:BFH) StockMay 17, 2023 | americanbankingnews.comBread Financial Holdings, Inc. (NYSE:BFH) Major Shareholder Buys $1,884,346.31 in StockMay 17, 2023 | americanbankingnews.comFinancial Contrast: Bread Financial (NYSE:BFH) and Future FinTech Group (NASDAQ:FTFT)June 1, 2023 | Legacy Research (Affiliate) (Ad)Sell Every Stock, Except ONE (Ticker Revealed)We saw one of the longest bull markets in history, with the S&P surging well over 800% But now the chickens have come home to roost. However, Jeff Clark couldn’t care less because he ignores almost every single stock in the market.May 16, 2023 | finance.yahoo.comBread Financial Releases 2022 ESG Report, Showcases Progress Amid Multi-Year Business TransformationMay 15, 2023 | msn.comBread Financial credit card delinquency rate improves, but charge-offs climb in AprilMay 15, 2023 | finance.yahoo.comBread Financial Provides Performance Update for April 2023May 14, 2023 | americanbankingnews.comBread Financial Holdings, Inc. (NYSE:BFH) Major Shareholder Purchases $1,955,250.00 in StockMay 12, 2023 | finance.yahoo.comBread Financial Included on Newsweek’s Most Trustworthy Companies in America 2023 ListMay 12, 2023 | americanbankingnews.comContrasting Bread Financial (NYSE:BFH) and Akso Health Group (NASDAQ:AHG)May 11, 2023 | americanbankingnews.comTurtle Creek Asset Management Purchases 33,711 Shares of Bread Financial Holdings, Inc. (NYSE:BFH) StockMay 10, 2023 | finance.yahoo.comBread Financial Benefit Spotlight: Putting Her Best Financial Foot Forward With BrightPlan(R)May 10, 2023 | americanbankingnews.comBread Financial Holdings, Inc. to Post FY2025 Earnings of $11.13 Per Share, Zacks Research Forecasts (NYSE:BFH)May 10, 2023 | americanbankingnews.comTurtle Creek Asset Management Acquires 150,000 Shares of Bread Financial Holdings, Inc. (NYSE:BFH) StockMay 9, 2023 | americanbankingnews.comBread Financial Holdings, Inc. (BFH) To Go Ex-Dividend on May 11thMay 6, 2023 | finance.yahoo.comBread Financial Holdings, Inc. (NYSE:BFH) Will Pay A US$0.21 Dividend In Four DaysMay 6, 2023 | americanbankingnews.comBread Financial (NYSE:BFH) Reaches New 12-Month Low at $23.92May 5, 2023 | americanbankingnews.comSeaport Res Ptn Comments on Bread Financial Holdings, Inc.'s Q2 2023 Earnings (NYSE:BFH)May 3, 2023 | bizjournals.comBread Financial rises as spinoff files bankruptcy and exits stock marketMay 3, 2023 | americanbankingnews.comBrokers Issue Forecasts for Bread Financial Holdings, Inc.'s FY2024 Earnings (NYSE:BFH)May 2, 2023 | markets.businessinsider.comRBC Capital Keeps Their Buy Rating on Bread Financial Holdings (BFH)May 2, 2023 | americanbankingnews.comBread Financial Holdings, Inc. (NYSE:BFH) Sees Large Increase in Short InterestSee More Headlines BFH Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart BFH Company Calendar Ex-Dividend for 3/17 Dividend2/09/2023Dividend Payable3/17/2023Last Earnings4/27/2023Ex-Dividend for 6/16 Dividend5/11/2023Today6/01/2023Dividend Payable6/16/2023Next Earnings (Estimated)7/27/2023Fiscal 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$44.88 High Stock Price Forecast$64.00 Low Stock Price Forecast$30.00 Forecasted Upside/Downside+55.3%Consensus RatingHold Rating Score (0-4)2.43 Research Coverage7 Analysts Profitability EPS (Most Recent Fiscal Year)$9.34 Trailing P/E Ratio3.09 Forward P/E Ratio2.47 P/E Growth0.08Net Income$223 million Net Margins9.66% Pretax Margin13.15% Return on Equity19.35% Return on Assets2.05% Debt Debt-to-Equity Ratio0.69 Current Ratio1.20 Quick Ratio1.20 Sales & Book Value Annual Sales$4.00 billion Price / Sales0.36 Cash Flow$8.84 per share Price / Cash Flow3.27 Book Value$54.19 per share Price / Book0.53Miscellaneous Outstanding Shares50,120,000Free Float50,020,000Market Cap$1.45 billion OptionableOptionable Beta1.92 Key ExecutivesRalph J. AndrettaPresident, Chief Executive Officer & DirectorTammy M. McConnaugheyExecutive Vice President-Operations & Credit RiskPerry S. BebermanChief Financial Officer & Executive Vice PresidentMatt BrownChief Technology & Senior Vice PresidentCharles L. HornExecutive Vice PresidentKey CompetitorsPayoneer GlobalNASDAQ:PAYOFirst AdvantageNYSE:FAAccoladeNASDAQ:ACCDInternational Money ExpressNASDAQ:IMXIConduentNASDAQ:CNDTView All CompetitorsInsiders & InstitutionsMacquarie Group Ltd.Bought 6,744 shares on 6/1/2023Ownership: 2.510%Brandywine Global Investment Management LLCBought 5,190 shares on 5/25/2023Ownership: 0.277%Turtle Creek Asset ManagementBought 15,000 shares on 5/24/2023Total: $442,500.00 ($29.50/share)Royce & Associates LPBought 68,603 shares on 5/23/2023Ownership: 0.137%Ameriprise Financial Inc.Bought 2,021 shares on 5/22/2023Ownership: 0.465%View All Insider TransactionsView All Institutional Transactions BFH Stock - Frequently Asked Questions Should I buy or sell Bread Financial stock right now? 7 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for Bread Financial in the last twelve months. There are currently 4 hold ratings and 3 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? 7 brokers have issued 1 year price targets for Bread Financial's shares. Their BFH share price forecasts range from $30.00 to $64.00. On average, they expect the company's share price to reach $44.88 in the next twelve months. This suggests a possible upside of 55.3% 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 stock has decreased by 23.3% and is now trading at $28.90. View the best growth stocks for 2023 here. Are investors shorting Bread Financial? Bread Financial saw a drop in short interest during the month of May. As of May 15th, there was short interest totaling 4,240,000 shares, a drop of 8.6% from the April 30th total of 4,640,000 shares. Based on an average trading volume of 779,700 shares, the short-interest ratio is presently 5.4 days. Currently, 8.6% 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, July 27th 2023. View our BFH earnings forecast. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) issued its quarterly earnings data on Thursday, April, 27th. The company reported $9.08 earnings per share for the quarter, topping the consensus estimate of $7.11 by $1.97. The firm earned $1.29 billion during the quarter, compared to the consensus estimate of $1.06 billion. Bread Financial had a trailing twelve-month return on equity of 19.35% and a net margin of 9.66%. The firm's revenue was up 40.0% compared to the same quarter last year. During the same quarter last year, the firm earned $4.21 earnings per share. How often does Bread Financial pay dividends? What is the dividend yield for Bread Financial? Bread Financial declared a quarterly dividend on Thursday, April 27th. Shareholders of record on Friday, May 12th will be given a dividend of $0.21 per share on Friday, June 16th. This represents a $0.84 dividend on an annualized basis and a dividend yield of 2.91%. The ex-dividend date is Thursday, May 11th. 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 Fidelity Crypto Industry and Digital Payments ETF (FDIG), ETFMG Prime Mobile Payments ETF (IPAY), Invesco S&P SmallCap Financials ETF (PSCF), First Trust Small Cap Value AlphaDEX Fund (FYT), VictoryShares US Small Cap High Div Volatility Wtd ETF (CSB), Invesco S&P SmallCap 600 Pure Value ETF (RZV), WisdomTree U.S. SmallCap Quality Dividend Growth Fund (DGRS). 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 2.83%. The dividend payout ratio is 8.99%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, BFH will have a dividend payout ratio of 8.46% 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 many different institutional and retail investors. Top institutional investors include Turtle Creek Asset Management Inc. (9.87%), BlackRock Inc. (9.76%), Franklin Resources Inc. (5.72%), Wellington Management Group LLP (5.32%), Dimensional Fund Advisors LP (4.33%) and State Street Corp (3.91%). Insiders that own company stock include 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 $28.90. How much money does Bread Financial make? Bread Financial (NYSE:BFH) has a market capitalization of $1.45 billion and generates $4.00 billion in revenue each year. The company earns $223 million in net income (profit) each year or $9.34 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 6/2/2023 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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