Lowest-Rated StocksLowest-RatedNYSE:BFH Bread Financial (BFH) Stock Price, News & Analysis $60.26 +0.56 (+0.94%) Closing price 08/18/2025 03:59 PM EasternExtended Trading$60.34 +0.08 (+0.13%) As of 08/18/2025 06:45 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Bread Financial Stock (NYSE:BFH) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Bread Financial alerts:Sign Up Key Stats Today's Range$59.12▼$60.4750-Day Range$50.72▼$64.2052-Week Range$38.21▼$66.71Volume809,008 shsAverage Volume669,267 shsMarket Capitalization$2.81 billionP/E Ratio10.20Dividend Yield1.39%Price Target$64.42Consensus RatingHold Company Overview 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 Bread Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks69th Percentile Overall ScoreBFH MarketRank™: Bread Financial scored higher than 69% of companies evaluated by MarketBeat, and ranked 1075th out of 1,884 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.0 / 5Analyst RatingHold Consensus RatingBread Financial has received a consensus rating of Hold. The company's average rating score is 2.08, and is based on 4 buy ratings, 6 hold ratings, and 3 sell ratings.Amount of Analyst CoverageBread Financial has only been the subject of 3 research reports in the past 90 days.Read more about Bread Financial's stock forecast and price target. Earnings and Valuation4.4 / 5Proj. Earnings Growth37.52% Earnings GrowthEarnings for Bread Financial are expected to grow by 37.52% in the coming year, from $6.45 to $8.87 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Bread Financial is 10.20, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.67.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 10.20, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.54.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 0.96. PEG Ratios around 1 indicate that a company is correctly valued.Price to Book Value per Share RatioBread Financial has a P/B Ratio of 0.98. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Bread Financial's valuation and earnings. Short Interest1.0 / 5Short Interest LevelBearish Percentage of Shares Shorted9.04% 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 5.8.Change versus previous monthShort interest in Bread Financial has recently increased by 7.22%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldBread Financial pays a meaningful dividend of 1.41%, 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 14.21%. 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 9.47% next year. This indicates that Bread Financial will be able to sustain or increase its dividend.Read more about Bread Financial's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted9.04% 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 5.8.Change versus previous monthShort interest in Bread Financial has recently increased by 7.22%, indicating that investor sentiment is decreasing significantly. News and Social Media2.9 / 5News Sentiment1.24 News SentimentBread Financial has a news sentiment score of 1.24. 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 0.93 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 9 news articles for Bread Financial this week, compared to 8 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 -83% compared to the previous 30 days. Company Ownership3.3 / 5Insider TradingAcquiring Shares 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 $63,458.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 0.62% 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.Read more about Bread Financial's insider trading history. 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 HeadlinesBread Financial Holdings, Inc. (NYSE:BFH) Director John J. Fawcett Purchases 1,027 SharesAugust 2, 2025 | insidertrades.comCard delinquencies edge up, net charge-offs slide: July Credit PulseAugust 16 at 8:19 PM | msn.comTrump’s national nightmare is herePorter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger the biggest forced rotation of capital since World War II. They reveal why Trump is mobilizing America’s tech giants… and name the two stocks most likely to soar as trillions shift behind the scenes. | Porter & Company (Ad)Bread Financial Holdings, Inc.: Bread Financial Provides Performance Update for July 2025August 15, 2025 | finanznachrichten.deIBD Rating Upgrades: Bread Financial Shows Improved Price StrengthAugust 15, 2025 | msn.comBread Financial Reports Improved Financial Health in UpdateAugust 15, 2025 | msn.comBread Financial July net charge-offs improve, while delinquency rate ticks upAugust 15, 2025 | msn.comBread Financial Holdings, Inc. Provides Performance Update with Improved Net Loss and Delinquency RatesAugust 15, 2025 | quiverquant.comQSee More Headlines BFH Stock Analysis - Frequently Asked Questions How have BFH shares performed this year? Bread Financial's stock was trading at $61.06 at the beginning of the year. Since then, BFH stock has decreased by 1.3% and is now trading at $60.26. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) posted its quarterly earnings data on Thursday, July, 24th. The company reported $3.14 earnings per share for the quarter, topping the consensus estimate of $1.85 by $1.29. Bread Financial's revenue for the quarter was down 1.1% compared to the same quarter last year. Read the conference call transcript. Is Bread Financial doing a stock buyback? Bread Financial's board initiated a share buyback program on Wednesday, March 5th 2025, which allows the company to repurchase $150,000,000 in outstanding shares, according to EventVestor. This means that the company could reacquire up to 6% of its stock through open market purchases. Stock buyback programs are generally a sign that the company's leadership believes its stock is undervalued. Who are Bread Financial's major shareholders? Top institutional shareholders of Bread Financial include State Street Corp (4.12%), Franklin Resources Inc. (3.69%), American Century Companies Inc. (3.20%) and Arrowstreet Capital Limited Partnership (2.64%). Insiders that own company stock include Turtle Creek Asset Management, Roger H Ballou and John J Fawcett. 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 Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Bread Financial own? Based on aggregate information from My MarketBeat watchlists, some other companies that Bread Financial investors own include Waste Connections (WCN), American Water Works (AWK), The RMR Group (RMR), AU Optronics (AUOTY), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM). Company Calendar Record date for 6/13 Dividend5/09/2025Ex-Dividend for 6/13 Dividend5/09/2025Dividend Payable6/13/2025Last Earnings7/24/2025Record date for 9/12 Dividend8/08/2025Ex-Dividend for 9/12 Dividend8/08/2025Today8/18/2025Dividend Payable9/12/2025Next Earnings (Estimated)10/23/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry FIN - MISC SVCS Sub-IndustryBanking Current SymbolNYSE:BFH CIK1101215 Webwww.breadfinancial.com Phone(614) 729-4000Fax214-494-3000Employees6,000Year FoundedN/APrice Target and Rating Average Price Target for Bread Financial$64.42 High Price Target$105.00 Low Price Target$39.00 Potential Upside/Downside+6.9%Consensus RatingHold Rating Score (0-4)2.08 Research Coverage13 Analysts Profitability EPS (Trailing Twelve Months)$5.91 Trailing P/E Ratio10.20 Forward P/E Ratio9.34 P/E Growth0.96Net Income$277 million Net Margins6.05% Pretax Margin8.13% Return on Equity13.10% Return on Assets1.83% Debt Debt-to-Equity Ratio0.36 Current Ratio1.18 Quick Ratio1.18 Sales & Book Value Annual Sales$4.80 billion Price / Sales0.59 Cash Flow$11.91 per share Price / Cash Flow5.06 Book Value$61.37 per share Price / Book0.98Miscellaneous Outstanding Shares46,640,000Free Float46,353,000Market Cap$2.81 billion OptionableOptionable Beta1.42 Social Links Reduce the RiskMarket downturns give many investors pause, and for good reason. Wondering how to offset this risk? Enter your email address to learn more about using beta to protect your portfolio.Get This Free Report This page (NYSE:BFH) was last updated on 8/19/2025 by MarketBeat.com Staff From Our PartnersTrump’s national nightmare is herePorter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger ...Porter & Company | SponsoredAlex’s “Next Magnificent Seven” stocksThe original “Magnificent Seven” turned $7K into $1.18 million. Now, Alex Green has identified AI’s Next Ma...The Oxford Club | SponsoredBONUS GUIDE - Ben Stein Prepares For the Next Financial CrisisWith inflation high, debt soaring, and global tensions rising, a financial storm may be brewing. 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