Lowest-Rated StocksLowest-Rated Bread Financial Stock Price, News & Analysis (NYSE:BFH) $28.12 +0.53 (+1.92%) (As of 11/30/2023 ET) Add Compare Share Share Today's Range$27.45▼$28.2250-Day Range$26.33▼$34.3452-Week Range$23.19▼$44.52Volume599,127 shsAverage Volume811,961 shsMarket Capitalization$1.39 billionP/E Ratio2.61Dividend Yield2.99%Price Target$39.11 Stock AnalysisStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSocial MediaStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSocial Media Bread Financial MarketRank™ Stock AnalysisAnalyst RatingHold2.00 Rating ScoreUpside/Downside39.1% Upside$39.11 Price TargetShort InterestBearish10.44% of Float Sold ShortDividend StrengthModerateBased on Four FactorsSustainabilityN/ANews Sentiment1.26Based on 3 Articles This WeekInsider TradingN/AProj. Earnings Growth-33.82%From $12.98 to $8.59 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.2.93 out of 5 starsBusiness Services Sector13th out of 310 stocksBusiness Services, Not Elsewhere Classified Industry6th out of 88 stocks 4.0 Analyst's Opinion Consensus RatingBread Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on 2 buy ratings, 6 hold ratings, and 2 sell ratings.Price Target Upside/DownsideAccording to analysts' consensus price target of $39.11, Bread Financial has a forecasted upside of 39.1% from its current price of $28.12.Amount of Analyst CoverageBread Financial has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock. Previous Next 1.0 Short Interest Percentage of Shares Shorted10.44% 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 8.9.Change versus previous monthShort interest in Bread Financial has recently increased by 3.27%, indicating that investor sentiment is decreasing. Previous Next 2.5 Dividend Strength Dividend YieldBread Financial pays a meaningful dividend of 3.13%, 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 7.80%. 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 9.78% 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 2.9 News and Social Media Coverage News SentimentBread Financial has a news sentiment score of 1.26. 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 0.62 average news sentiment score of Business Services companies.News Coverage This WeekMarketBeat has tracked 3 news articles for Bread Financial this week, compared to 5 articles on an average week.Search Interest4 people have searched for BFH on MarketBeat in the last 30 days. This is an increase of 300% compared to the previous 30 days.MarketBeat FollowsOnly 1 people have added Bread Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -67% compared to the previous 30 days. Previous Next 1.7 Company Ownership Insider Buying vs. Insider SellingIn the past three months, Bread Financial insiders have not sold or bought any 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 -33.82% in the coming year, from $12.98 to $8.59 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Bread Financial is 2.61, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 112.98.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 2.61, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 18.58.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 0.07. 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 0.48. 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 Stock (NYSE:BFH)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.Read More BFH Stock Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart BFH Stock News HeadlinesNovember 29, 2023 | finance.yahoo.comHere's Why Bread Financial Holdings (BFH) is a Strong Value StockNovember 29, 2023 | finance.yahoo.comBread Financial™ to Participate in the Goldman Sachs U.S. Financial Services ConferenceDecember 1, 2023 | DTI Trader (Ad)New CBOE “special perk” helps traders target income every weekendYou might not immediately realize what you’re reading. Let me help you out a little… What you're looking at is a “special perk” set up by the Chicago Board of Options Exchange. November 27, 2023 | finance.yahoo.comBread FinancialTM Obtains Inaugural Holding Company Issuer Credit RatingsNovember 21, 2023 | seekingalpha.comBread Financial: Dirt Cheap With Some CaveatsNovember 16, 2023 | bizjournals.comBread Financial invests $1.8 million in a Dublin nonprofitNovember 16, 2023 | msn.comBarclays Initiates Coverage of Bread Financial Holdings (BFH) with Underweight RecommendationNovember 15, 2023 | markets.businessinsider.com9 Analysts Have This to Say About Bread Finl HldgsDecember 1, 2023 | Wealthpress (Ad)Trading Experts Call It “The Perfect Tesla Trade”Thanks to a new discovery linked to shares of Tesla, regular folks can now target gains of 100% or more in six days or less. New research shows it’s happened 23 different times this year. The next trade is scheduled for this Thursday.November 14, 2023 | finance.yahoo.comROX Receives $1.8 Million Gift from Bread FinancialTM to Address the Confidence, Leadership and Social Media Crisis Facing GirlsNovember 14, 2023 | finance.yahoo.comBread Financial™ Provides Performance Update for October 2023November 7, 2023 | finance.yahoo.comBread FinancialTM to Participate in the Stephens Annual Investment ConferenceNovember 3, 2023 | finance.yahoo.comBread Financial(TM)’s LivingWell Program Wins Prestigious Ragan Workplace Wellness Award for Financial WellnessNovember 2, 2023 | msn.comTD Cowen Initiates Coverage of Bread Financial Holdings (BFH) with Market Perform RecommendationOctober 31, 2023 | morningstar.comBread Financial Holdings Inc BFHOctober 30, 2023 | markets.businessinsider.comAnalysts Offer Insights on Financial Companies: Bread Financial Holdings (BFH) and Piper Sandler (PIPR)October 30, 2023 | finance.yahoo.comThe Bread Financial Holdings Inc (BFH) Company: A Short SWOT AnalysisOctober 29, 2023 | au.investing.comBread Financial Holdings faces dividend uncertainty amid earnings dropOctober 28, 2023 | finance.yahoo.comBread Financial Holdings, Inc. (NYSE:BFH) Q3 2023 Earnings Call TranscriptOctober 28, 2023 | markets.businessinsider.comAnalysts’ Opinions Are Mixed on These Financial Stocks: Bread Financial Holdings (BFH), Willis Towers Watson (WTW) and Mastercard (MA)October 27, 2023 | finance.yahoo.comBread Financial (BFH) Q3 Earnings Top, Credit Sales DropOctober 27, 2023 | markets.businessinsider.comHold Rating on Bread Financial Holdings: Analysis of Earnings, Credit Sales, and Loan Growth PerformanceOctober 26, 2023 | seekingalpha.comBread Financial Holdings, Inc. (BFH) Q3 2023 Earnings Conference Call TranscriptOctober 26, 2023 | finance.yahoo.comBread Financial Holdings Inc (BFH) Q3 2023 Earnings: A Closer LookOctober 26, 2023 | seekingalpha.comBread Financial Holdings, Inc. 2023 Q3 - Results - Earnings Call PresentationOctober 26, 2023 | finance.yahoo.comBread FinancialTM Declares Dividend on Common StockOctober 26, 2023 | finance.yahoo.comBread Financial™ Reports Third Quarter 2023 ResultsSee 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 Company Calendar Ex-Dividend for 9/15 Dividend8/10/2023Dividend Payable9/15/2023Last Earnings10/26/2023Ex-Dividend for 12/15 Dividend11/10/2023Today12/01/2023Dividend Payable12/15/2023Fiscal Year End12/31/2023Next Earnings (Estimated)1/25/2024Get 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 Target$39.11 High Stock Price Target$64.00 Low Stock Price Target$24.00 Potential Upside/Downside+39.1%Consensus RatingHold Rating Score (0-4)2.00 Research Coverage10 Analysts Profitability EPS (Most Recent Fiscal Year)$10.77 Trailing P/E Ratio2.61 Forward P/E Ratio2.17 P/E Growth0.07Net Income$223 million Net Margins10.50% Pretax Margin14.43% Return on Equity21.09% Return on Assets2.46% Debt Debt-to-Equity Ratio0.48 Current Ratio1.18 Quick Ratio1.18 Sales & Book Value Annual Sales$4.08 billion Price / Sales0.34 Cash Flow$9.10 per share Price / Cash Flow3.09 Book Value$58.06 per share Price / Book0.48Miscellaneous Outstanding Shares49,331,000Free Float49,232,000Market Cap$1.39 billion OptionableOptionable Beta2.00 7 Stocks to Buy And Hold ForeverClick the link below and we'll send you MarketBeat's list of seven stocks and why their long-term outlooks are very promising. Get This Free Report Key ExecutivesMr. Ralph J. Andretta (Age 65)President, CEO & Director Comp: $3.85MMr. Perry S. Beberman (Age 56)Executive VP & CFO Comp: $1.85MMs. Tammy Michelle McConnaughey (Age 48)Executive Vice President of Operations & Credit Risk Comp: $1.85MMr. Joseph L. Motes III (Age 61)Executive VP, Chief Administrative Officer, General Counsel & Secretary Comp: $1.87MMs. Valerie E. Greer (Age 57)Executive VP & Chief Commercial Officer Comp: $1.9MMr. Jonathan Bryan Campbell (Age 49)Senior VP & Chief Accounting Officer Matt BrownSenior VP & CTOMr. Brian VerebHead of Investor RelationsBrandy SullivanSenior VP, Chief People and Culture OfficerMr. Wes HuntSenior Vice President of Enterprise Data Science & AnalyticsMore ExecutivesKey CompetitorsAdvantage SolutionsNASDAQ:ADVPayoneer GlobalNASDAQ:PAYORepayNASDAQ:RPAYInternational Money ExpressNASDAQ:IMXIEnvestnetNYSE:ENVView All CompetitorsInsiders & InstitutionsAmerican Century Companies Inc.Bought 86,315 shares on 11/30/2023Ownership: 1.238%Deutsche Bank AGBought 608,769 shares on 11/24/2023Ownership: 1.444%Public Sector Pension Investment BoardSold 26,888 shares on 11/22/2023Ownership: 0.126%Graham Capital Management L.P.Sold 43,768 shares on 11/22/2023Ownership: 0.035%Walleye Capital LLCSold 7,300 shares on 11/21/2023Ownership: 0.000%View All Insider TransactionsView All Institutional Transactions BFH Stock Analysis - Frequently Asked Questions Should I buy or sell Bread Financial stock right now? 10 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for Bread Financial in the last year. There are currently 2 sell ratings, 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 target for 2024? 10 equities research analysts have issued 1 year target prices for Bread Financial's stock. Their BFH share price targets range from $24.00 to $64.00. On average, they predict the company's stock price to reach $39.11 in the next year. This suggests a possible upside of 39.1% 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 25.3% and is now trading at $28.12. View the best growth stocks for 2023 here. When is Bread Financial's next earnings date? The company is scheduled to release its next quarterly earnings announcement on Thursday, January 25th 2024. View our BFH earnings forecast. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) announced its quarterly earnings results on Thursday, October, 26th. The company reported $3.46 earnings per share for the quarter, topping analysts' consensus estimates of $2.24 by $1.22. The firm had revenue of $1.03 billion for the quarter, compared to analysts' expectations of $996.07 million. Bread Financial had a net margin of 10.50% and a trailing twelve-month return on equity of 21.09%. The company's revenue for the quarter was up 5.3% on a year-over-year basis. During the same quarter last year, the business earned $2.69 EPS. How often does Bread Financial pay dividends? What is the dividend yield for Bread Financial? Bread Financial announced a quarterly dividend on Thursday, October 26th. Shareholders of record on Monday, November 13th will be given a dividend of $0.21 per share on Friday, December 15th. This represents a $0.84 annualized dividend and a yield of 2.99%. The ex-dividend date is Friday, November 10th. Read our dividend analysis for BFH. 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 3.13%. The dividend payout ratio is 7.80%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, BFH will have a dividend payout ratio of 9.78% next year. This indicates that the company will be able to sustain or increase its dividend. 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). Who are Bread Financial's major shareholders? Bread Financial's stock is owned by many different institutional and retail investors. Top institutional investors include Morgan Stanley (3.30%), Hsbc Holdings PLC (3.28%), Bank of New York Mellon Corp (2.10%), Deutsche Bank AG (1.44%), Deutsche Bank AG (1.44%) and Pzena Investment Management LLC (1.44%). 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. This page (NYSE:BFH) was last updated on 12/1/2023 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. Adding Bread Financial Holdings, Inc. Please log in to your account or sign up in order to add this asset to your watchlist. Get 30 Days of MarketBeat All Access Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools: Best-in-Class Portfolio Monitoring View the latest news, buy/sell ratings, SEC filings and insider transactions for your stocks. Compare your portfolio performance to leading indices and get personalized stock ideas based on your portfolio. Stock Ideas and Recommendations Get daily stock ideas from top-performing Wall Street analysts. Get short term trading ideas from the MarketBeat Idea Engine. View which stocks are hot on social media with MarketBeat's trending stocks report. Advanced Stock Screeners and Research Tools Identify stocks that meet your criteria using seven unique stock screeners. See what's happening in the market right now with MarketBeat's real-time news feed. Export data to Excel for your own analysis. Start Your 30-Day Free Trial Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Your Password: or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Choose a Password: Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.