Bread Financial (BFH) Stock Price, News & Analysis

Company Overview

Bread Financial, formerly known as Alliance Data Systems, is a Columbus, Ohio–based financial services company that specializes in providing private label credit programs, co-brand credit cards and digital payment solutions for retail partners. The company designs, issues and services proprietary credit products, enabling merchants to offer branded financing options that drive customer loyalty and increase basket sizes at the point of sale. Through its Bread technology platform, Bread Financial delivers installment-based payment options that integrate directly into e-commerce and in-store checkout experiences.

In addition to its core credit offerings, Bread Financial provides analytics, marketing and loyalty services to help merchants better understand consumer behavior and optimize promotional strategies. Its suite of data-driven tools includes customer segmentation, targeted campaigns and performance tracking, all aimed at enhancing the retailer-cardholder relationship. The company serves a diverse range of industries—including specialty apparel, home furnishings, automotive and pet care—across the United States, Canada and the United Kingdom.

Since its inception as Alliance Data in the mid-1990s, the company has evolved through strategic acquisitions and divestitures, most notably spinning off its marketing services business in 2021 and rebranding to Bread Financial in 2022. Bread Financial continues to leverage its deep expertise in consumer credit and loyalty program management to support retail partners in an increasingly digital and omnichannel marketplace.

Key Stats

• Today's Range: $110.01 to $112.05
• 50-Day Range: $93.77 to $113.22
• 52-Week Range: $53.83 to $114.53
• Volume: 374,708 shs
• Average Volume: 576,923 shs
• Market Capitalization: $4.26 billion
• P/E Ratio: 8.66
• Dividend Yield: 0.83%
• Price Target: $110.58
• Consensus Rating: Hold

Bread Financial Stock Analysis - MarketRank™

Bread Financial scored higher than 79% of companies evaluated by MarketBeat, and ranked 307th out of 854 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: 2.2 / 5
• Analyst Rating: Hold

Consensus Rating

Bread Financial has received a consensus rating of Hold. The company's average rating score is 2.47, and is based on no strong buy ratings, 8 buy ratings, 6 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 14 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 5.62%

Earnings Growth

Earnings for Bread Financial are expected to grow by 5.62% in the coming year, from $12.10 to $12.78 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Bread Financial is 8.66, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.29.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bread Financial is 8.66, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.24.

Price to Earnings Growth Ratio

Bread Financial has a PEG Ratio of 0.72. 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 1.52. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

7.27% 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 3.73, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Bread Financial has recently decreased by 4.79%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Bread Financial has a dividend yield of 0.81%, 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 7.20% next year. This indicates that Bread Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 1.20

News Sentiment

Bread Financial has a news sentiment score of 1.20. 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 0.85 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Bread Financial this week, compared to 7 articles on an average week.

Search Interest

3 people have searched for BFH on MarketBeat in the last 30 days. This is an increase of 50% 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 0% 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 2,608.27% more of their company's stock than they have bought. Specifically, they have bought $60,328.00 in company stock and sold $1,633,848.00 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

• Record date for 6/15 Dividend: 5/29/2026
• Ex-Dividend for 6/15 Dividend: 5/29/2026
• Dividend Payable: 6/15/2026
• Last Earnings: 7/23/2026
• Today: 8/18/2026
• Record date for 9/15 Dividend: 8/31/2026
• Ex-Dividend for 9/15 Dividend: 8/31/2026
• Dividend Payable: 9/15/2026
• 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: $110.58
• High Price Target: $132.00
• Low Price Target: $72.00
• Potential Upside/Downside: -0.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.47
• Research Coverage: 15 Analysts

Profitability

• EPS (Trailing Twelve Months): $12.82
• Trailing P/E Ratio: 8.66
• Forward P/E Ratio: 9.17
• P/E Growth: 0.72
• 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: 0.91
• Cash Flow: $15.99 per share
• Price / Cash Flow: 6.94
• Book Value: $72.86 per share
• Price / Book: 1.52

Miscellaneous

• Outstanding Shares: 38,420,000
• Free Float: 37,920,000
• Market Cap: $4.26 billion
• Optionable: Optionable
• Beta: 1.11