Bread Financial (BFH) Stock Price, News & Analysis

Company Overview

Bread Financial Corporation (NYSE: BFH) is a financial services company that provides payment, lending and savings solutions to consumers and businesses. The company works with merchants and brands to offer private-label and co-branded credit cards, installment loans, buy now, pay later services and other financing options at the point of sale.

Its consumer products and services include Bread Pay payment solutions, credit card programs issued through its banking subsidiaries, and Bread Savings deposit products. Bread Financial also provides merchants with tools for customer acquisition, loyalty programs, digital payments and data-driven marketing intended to support customer engagement and repeat purchases.

The company was founded as Alliance Data Systems in 1996 and adopted the Bread Financial name in 2022 as part of a broader effort to align its corporate identity with its consumer-facing financial services businesses. Headquartered in Columbus, Ohio, Bread Financial primarily serves consumers and merchant partners in the United States. Ralph Andre serves as the company's president and chief executive officer.

Key Stats

• Today's Range: $100.54 to $103.77
• 50-Day Range: $96.94 to $113.22
• 52-Week Range: $55.80 to $114.53
• Volume: 390,024 shs
• Average Volume: 635,485 shs
• Market Capitalization: $3.93 billion
• P/E Ratio: 7.99
• Dividend Yield: 0.90%
• Price Target: $112.29
• Consensus Rating: Hold

Bread Financial Stock Analysis - MarketRank™

Bread Financial scored higher than 76% of companies evaluated by MarketBeat, and ranked 357th out of 851 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.0 / 5
• Analyst Rating: Hold

Consensus Rating

Bread Financial has received a consensus rating of Hold. The company's average rating score is 2.44, and is based on no strong buy ratings, 8 buy ratings, 7 hold ratings, and 1 sell rating.

Upside/Downside

The consensus price target for Bread Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Bread Financial has been the subject of 9 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 8.83%

Earnings Growth

Earnings for Bread Financial are expected to grow by 8.83% in the coming year, from $12.12 to $13.19 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Bread Financial is 7.35, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 35.58.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bread Financial is 7.35, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.76.

Price to Earnings Growth Ratio

Bread Financial has a PEG Ratio of 0.80. 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 1.41. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

8.54% 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 4.79.

Change versus previous month

Short interest in Bread Financial has recently increased by 16.10%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Bread Financial has a dividend yield of 0.91%, which is in 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 7.18%. 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 6.97% next year. This indicates that Bread Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 1.1 / 5
• News Sentiment: -0.18

News Sentiment

Bread Financial has a news sentiment score of -0.18. 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 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Bread Financial this week, compared to 7 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 -50% compared to the previous 30 days.

Company Ownership

• Score: 2.2 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Bread Financial insiders have sold 17,087.75% more of their company's stock than they have bought. Specifically, they have bought $1,730.00 in company stock and sold $297,348.00 in company stock.

Percentage Held by Insiders

1.30% 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.

Company Calendar

• Last Earnings: 7/23/2026
• Record date for 9/15 Dividend: 8/31/2026
• Ex-Dividend for 9/15 Dividend: 8/31/2026
• Dividend Payable: 9/15/2026
• Today: 10/14/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:BFH
• CIK: 1101215
• Web: www.breadfinancial.com
• Phone: (614) 729-4000
• Fax: 214-494-3000
• Employees: 6,000
• Year Founded: 2014

Price Target and Rating

• Average Price Target for Bread Financial: $112.29
• High Price Target: $132.00
• Low Price Target: $72.00
• Potential Upside/Downside: +9.7%
• Consensus Rating: Hold
• Rating Score (0-4): 2.44
• Research Coverage: 16 Analysts

Profitability

• EPS (Trailing Twelve Months): $12.82
• Trailing P/E Ratio: 7.99
• Forward P/E Ratio: 8.45
• P/E Growth: 0.8
• Net Income: $518 million
• Net Margins: 11.95%
• Pretax Margin: 14.39%
• Return on Equity: 18.42%
• Return on Assets: 2.76%

Debt

• Debt-to-Equity Ratio: 0.25
• Current Ratio: 1.17
• Quick Ratio: 1.17

Sales & Book Value

• Annual Sales: $4.70 billion
• Price / Sales: 0.84
• Cash Flow: $16.46 per share
• Price / Cash Flow: 6.22
• Book Value: $72.86 per share
• Price / Book: 1.41

Miscellaneous

• Outstanding Shares: 38,420,000
• Free Float: 37,920,000
• Market Cap: $3.93 billion
• Optionable: Optionable
• Beta: 1.15