BFH
Bread Financial Holdings, Inc. NYSE Listed Jun 15, 2001$102.41
+0.97%
vs $101.43
Mkt Cap $4.1B
52w Low $52.84
94.7% of range
52w High $105.20
50d MA $89.05
200d MA $73.92
P/E (TTM)
9.3x
EV/EBITDA
7.6x
P/B
1.4x
Debt/Equity
1.3x
ROE
16.9%
P/FCF
2.3x
RSI (14)
80.40
ATR (14)
$3.41
Beta
1.14
50d MA
$89.05
200d MA
$73.92
Avg Volume
698.3K
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 approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; 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 Bread BNPL (installment loans, 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, including installment and split-pay solutions. 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 founded in 1996 and is headquartered in Columbus, Ohio.
3095 Loyalty Circle · Columbus, OH 43219 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 23, 2026 | AMC | 3.00 | 4.18 | +39.3% | 92.12 | -0.1% | -6.5% | +2.1% | -1.9% | -1.0% | -0.7% | — |
| Jan 29, 2026 | AMC | 0.40 | 2.07 | +417.5% | 73.03 | -0.9% | -0.7% | +0.7% | +3.2% | +1.5% | +0.9% | — |
| Oct 23, 2025 | AMC | 2.11 | 4.02 | +90.5% | 65.46 | +1.5% | +0.1% | +1.2% | -2.0% | -4.2% | -0.5% | — |
| Jul 24, 2025 | AMC | 1.85 | 3.14 | +69.7% | 61.00 | +1.0% | +3.7% | +1.2% | -1.9% | -1.6% | -0.8% | — |
| Apr 24, 2025 | AMC | 2.10 | 2.86 | +36.2% | 48.91 | -1.3% | -0.0% | -1.5% | +0.6% | -2.0% | +0.7% | — |
| Jan 30, 2025 | AMC | 0.33 | 0.41 | +24.2% | 63.71 | -0.6% | -0.6% | -0.3% | -4.6% | +2.8% | +1.4% | — |
| Oct 24, 2024 | AMC | 1.94 | 1.84 | -5.2% | 50.06 | +0.0% | -1.4% | +3.8% | -2.2% | +1.7% | -2.2% | — |
| Jul 25, 2024 | AMC | 1.77 | 2.66 | +50.3% | 52.32 | +1.6% | +5.1% | -3.5% | +2.5% | +0.3% | -7.0% | — |
| Apr 25, 2024 | AMC | 3.02 | 2.70 | -10.6% | 36.65 | -0.1% | +0.9% | +2.8% | -2.9% | +4.0% | +7.4% | — |
| Jan 25, 2024 | AMC | -0.88 | 0.90 | +202.3% | 32.63 | +1.6% | +8.7% | +2.1% | +1.2% | -1.1% | +0.2% | — |
| Oct 26, 2023 | AMC | 2.32 | 3.46 | +49.1% | 27.46 | -1.3% | -2.5% | +1.4% | -0.4% | -1.2% | +8.0% | — |
| Jul 27, 2023 | AMC | 0.23 | 1.27 | +452.2% | 39.40 | +2.4% | +3.4% | +2.0% | -2.5% | -2.0% | +0.8% | — |
| Date | Firm | Action | Grade | Target | Base | Open | Gap% | D1% | D2% | D3% | D4% | D5% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| May 22 | Loop Capital | Initiates | Buy | $104 | $85.78 | $85.93 | +0.2% | +1.0% | +2.2% | +1.6% | -1.6% | +0.7% |
| Apr 29 | Evercore ISI | Maintains | Outperform → Outperform | — | $86.32 | $86.14 | -0.2% | -1.0% | -0.7% | +0.7% | -2.1% | +1.8% |
| Apr 24 | Barclays | Maintains | Underweight → Underweight | — | $92.12 | $92.00 | -0.1% | -6.5% | +2.1% | -1.9% | -1.0% | -0.7% |
| Apr 24 | Keefe, Bruyette & Woods | Maintains | Outperform → Outperform | — | $92.12 | $92.00 | -0.1% | -6.5% | +2.1% | -1.9% | -1.0% | -0.7% |
| Apr 24 | TD Cowen | Maintains | Hold → Hold | — | $92.12 | $92.00 | -0.1% | -6.5% | +2.1% | -1.9% | -1.0% | -0.7% |
| Apr 23 | BTIG | Maintains | Buy → Buy | — | $92.44 | $95.70 | +3.5% | -0.3% | -6.5% | +2.1% | -1.9% | -1.0% |
| Apr 16 | Morgan Stanley | Upgrade | Underweight → Equal Weight | — | $83.15 | $84.35 | +1.4% | +1.6% | +7.2% | +1.3% | -0.5% | +1.2% |
| Apr 6 | Evercore ISI | Maintains | Outperform → Outperform | — | $73.02 | $72.92 | -0.1% | +2.9% | -1.1% | +5.8% | +1.4% | -1.0% |
| Apr 6 | Barclays | Maintains | Underweight → Underweight | — | $73.02 | $72.92 | -0.1% | +2.9% | -1.1% | +5.8% | +1.4% | -1.0% |
| Jan 30 | TD Cowen | Maintains | Hold → Hold | — | $73.03 | $72.34 | -0.9% | -0.7% | +0.7% | +3.2% | +1.5% | +0.9% |
| Jan 30 | BTIG | Maintains | Buy → Buy | — | $73.03 | $72.34 | -0.9% | -0.7% | +0.7% | +3.2% | +1.5% | +0.9% |
| Jan 30 | Barclays | Maintains | Underweight → Underweight | — | $73.03 | $72.34 | -0.9% | -0.7% | +0.7% | +3.2% | +1.5% | +0.9% |
| Jan 30 | Morgan Stanley | Maintains | Underweight → Underweight | — | $73.03 | $72.34 | -0.9% | -0.7% | +0.7% | +3.2% | +1.5% | +0.9% |
| Jan 20 | Morgan Stanley | Maintains | Underweight → Underweight | — | $73.73 | $72.30 | -1.9% | -5.1% | +0.8% | +0.7% | -3.1% | +2.0% |
| Jan 8 | TD Cowen | Maintains | Hold → Hold | — | $79.98 | $80.50 | +0.7% | +1.6% | -1.1% | -10.7% | -2.8% | -1.1% |
| Jan 6 | Barclays | Maintains | Underweight → Underweight | — | $76.30 | $76.60 | +0.4% | +5.2% | -0.3% | +1.6% | -1.1% | -10.7% |
| Jan 2 | Keefe, Bruyette & Woods | Maintains | Outperform → Outperform | — | $74.03 | $74.20 | +0.2% | +1.7% | +1.3% | +5.2% | -0.3% | +1.6% |
| Dec 4 | JP Morgan | Downgrade | Neutral → Underweight | — | $71.24 | $69.69 | -2.2% | +1.1% | +0.3% | +0.3% | +1.4% | +0.5% |
| Oct 30 | Evercore ISI | Maintains | In Line → In Line | — | $62.21 | $61.82 | -0.6% | -0.5% | +1.2% | +1.5% | -1.6% | +2.2% |
| Oct 24 | Barclays | Maintains | Underweight → Underweight | — | $65.46 | $66.46 | +1.5% | +0.1% | +1.2% | -2.0% | -4.2% | -0.5% |
| Oct 24 | Goldman Sachs | Maintains | Sell → Sell | — | $65.46 | $66.46 | +1.5% | +0.1% | +1.2% | -2.0% | -4.2% | -0.5% |
| Oct 24 | RBC Capital | Maintains | Sector Perform → Sector Perform | — | $65.46 | $66.46 | +1.5% | +0.1% | +1.2% | -2.0% | -4.2% | -0.5% |
| Oct 24 | JP Morgan | Maintains | Neutral → Neutral | — | $65.46 | $66.46 | +1.5% | +0.1% | +1.2% | -2.0% | -4.2% | -0.5% |
| Oct 24 | TD Cowen | Maintains | Hold → Hold | — | $65.46 | $66.46 | +1.5% | +0.1% | +1.2% | -2.0% | -4.2% | -0.5% |
| Oct 6 | Barclays | Maintains | Underweight → Underweight | — | $55.71 | $55.76 | +0.1% | -1.7% | +1.2% | -0.7% | +1.4% | -3.1% |
| Oct 1 | Keefe, Bruyette & Woods | Maintains | Outperform → Outperform | — | $55.77 | $54.98 | -1.4% | -1.6% | +0.5% | +1.0% | -1.7% | +1.2% |
| Sep 30 | Evercore ISI | Maintains | In Line → In Line | — | $58.07 | $58.07 | +0.0% | -4.0% | -1.6% | +0.5% | +1.0% | -1.7% |
| Sep 29 | Morgan Stanley | Maintains | Underweight → Underweight | — | $59.59 | $59.72 | +0.2% | -2.6% | -4.0% | -1.6% | +0.5% | +1.0% |
| Sep 2 | BofA Securities | Maintains | Buy → Buy | — | $66.19 | $64.86 | -2.0% | -1.1% | +0.6% | +1.7% | -1.1% | -1.0% |
| Jul 25 | RBC Capital | Maintains | Sector Perform → Sector Perform | — | $61.00 | $61.59 | +1.0% | +3.7% | +1.2% | -1.9% | -1.6% | -0.8% |
| Jul 25 | Morgan Stanley | Maintains | Underweight → Underweight | — | $61.00 | $61.59 | +1.0% | +3.7% | +1.2% | -1.9% | -1.6% | -0.8% |
| Jul 10 | Morgan Stanley | Maintains | Underweight → Underweight | — | $61.27 | $61.08 | -0.3% | +2.1% | -2.1% | +1.2% | -3.1% | +1.7% |
| Jul 8 | Barclays | Maintains | Underweight → Underweight | — | $59.59 | $60.22 | +1.1% | -0.5% | +3.3% | +2.1% | -2.1% | +1.2% |
| May 12 | Morgan Stanley | Maintains | Underweight → Underweight | — | $50.47 | $53.75 | +6.5% | +7.0% | +2.1% | +0.3% | -1.7% | -0.7% |
| Apr 28 | JMP Securities | Maintains | Market Perform → Market Perform | — | $48.89 | $49.17 | +0.6% | -1.5% | +0.6% | -2.0% | +0.7% | +2.4% |
| Apr 25 | TD Cowen | Maintains | Hold → Hold | — | $48.91 | $48.25 | -1.3% | -0.0% | -1.5% | +0.6% | -2.0% | +0.7% |
| Apr 24 | Jefferies | Maintains | Hold → Hold | — | $47.74 | $49.94 | +4.6% | +2.5% | -0.0% | -1.5% | +0.6% | -2.0% |
| Apr 24 | Morgan Stanley | Maintains | Underweight → Underweight | — | $47.74 | $49.94 | +4.6% | +2.5% | -0.0% | -1.5% | +0.6% | -2.0% |
| Apr 14 | RBC Capital | Maintains | Sector Perform → Sector Perform | — | $44.03 | $45.26 | +2.8% | +2.1% | +1.5% | +0.5% | +2.2% | -2.7% |
| Apr 2 | TD Cowen | Maintains | Hold → Hold | — | $50.17 | $49.39 | -1.6% | +2.8% | -13.1% | -6.5% | +4.9% | -2.4% |
| Mar 18 | Goldman Sachs | Maintains | Sell → Sell | — | $47.96 | $48.18 | +0.5% | -0.2% | +3.9% | +0.1% | +0.4% | +4.8% |
| Feb 3 | JMP Securities | Maintains | Market Perform → Market Perform | — | $63.33 | $61.62 | -2.7% | -0.3% | -4.6% | +2.8% | +1.4% | -1.2% |
| Jan 31 | RBC Capital | Maintains | Sector Perform → Sector Perform | — | $63.71 | $63.30 | -0.6% | -0.6% | -0.3% | -4.6% | +2.8% | +1.4% |
| Jan 31 | TD Cowen | Maintains | Hold → Hold | — | $63.71 | $63.30 | -0.6% | -0.6% | -0.3% | -4.6% | +2.8% | +1.4% |
| Jan 31 | Barclays | Maintains | Underweight → Underweight | — | $63.71 | $63.30 | -0.6% | -0.6% | -0.3% | -4.6% | +2.8% | +1.4% |
| Jan 21 | Compass Point | Maintains | Buy → Buy | — | $61.53 | $62.38 | +1.4% | +3.6% | +2.1% | -0.4% | -0.5% | -0.9% |
| Jan 6 | Barclays | Maintains | Underweight → Underweight | — | $61.88 | $62.62 | +1.2% | -0.2% | -3.4% | -0.6% | -3.5% | +0.6% |
| Dec 9 | Keefe, Bruyette & Woods | Maintains | Outperform → Outperform | — | $63.19 | $63.45 | +0.4% | +2.0% | -0.2% | +3.1% | -0.5% | -1.1% |
| Nov 19 | Goldman Sachs | Maintains | Sell → Sell | — | $57.67 | $56.73 | -1.6% | -0.1% | -0.7% | -0.7% | +2.2% | +1.4% |
| Oct 30 | Evercore ISI | Maintains | In Line → In Line | — | $50.10 | $50.00 | -0.2% | +1.7% | -2.2% | +1.8% | -0.2% | +4.2% |
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| May 29, 2026 | Andretta Ralph JDir/Off | President and CEO | Sell | 1,000 | $89.57 | $90K | 582,241 | +2.42% | +0.34% |
| May 29, 2026 | Andretta Ralph JDir/Off | President and CEO | Sell | 12,500 | $89.17 | $1.1M | 583,241 | +2.42% | +0.34% |
| May 29, 2026 | Andretta Ralph JDir/Off | President and CEO | Sell | 1,500 | $88.23 | $132K | 595,741 | +2.42% | +0.34% |
| Apr 24, 2026 | BALLOU ROGER HDir | — | Sell | 9,687 | $90.32 | $875K | 30,079 | -1.91% | -2.09% |
8-K · 7.01
! Medium
Bread Financial Holdings, Inc. -- 8-K 7.01: Regulation FD Disclosure
Jun 10
8-K
Bread Financial Holdings, Inc. -- 8-K Filing
May 22
8-K · 7.01
! Medium
Bread Financial Holdings, Inc. -- 8-K 7.01: Regulation FD Disclosure
May 15
8-K · 8.01
!! High
BREAD FINANCIAL HOLDINGS, INC. -- 8-K 8.01: Material Event / Announcement
Bread Financial granted underwriters a 30-day option to purchase 720,000 additional depositary shares at the May 5, 2026 offering price, providing upside potential if demand strengthens post-offering.
May 6
8-K · 8.01
!! High
BREAD FINANCIAL HOLDINGS, INC. -- 8-K 8.01: Material Event / Announcement
Bread Financial completed a depositary share offering, planning to deploy proceeds toward general corporate purposes, subsidiary bank capitalization, and potential share repurchases.
May 5
8-K · 7.01
! Medium
Bread Financial Holdings, Inc. -- 8-K 7.01: Regulation FD Disclosure
Bread Financial Holdings provided Q1 2026 performance results, offering investors updated operational metrics and financial performance through March 31, 2026.
Apr 23
8-K · 8.01
!! High
Bread Financial Holdings, Inc. -- 8-K 8.01: Material Event / Announcement
Bread Financial Holdings announced a dividend payment to shareholders, providing income distribution to investors in the fintech-focused lender.
Apr 23
8-K · 7.01
! Medium
Unknown — 8-K 7.01: Regulation FD Disclosure
Bread Financial disclosed material information via Regulation FD, suggesting potential news about payment/lending operations that could affect earnings guidance and investor expectations for this fintech company.
Mar 11
8-K · 7.01
! Medium
Bread Financial Holdings, Inc. -- 8-K 7.01: Regulation FD Disclosure
Bread Financial Holdings released information on February 26, 2026, though specific details weren't disclosed in this regulatory filing summary for investors to assess.
Feb 26
8-K · 1.01
!! High
Bread Financial Holdings, Inc. -- 8-K 1.01: Material Agreement
Bread Financial Holdings entered into an agreement with Dealer ag, though the specific terms and financial impact require review of detailed filing documents for investor assessment.
Feb 18
8-K · 7.01
! Medium
Bread Financial Holdings, Inc. -- 8-K 7.01: Regulation FD Disclosure
Bread Financial Holdings (BFH) released January 2026 performance metrics, giving investors updated financial and operational results for the recent period.
Feb 10
Institutional (13F) — Top 20
All ↗
| # | Manager | Shares | Value | Chg | Period |
|---|---|---|---|---|---|
| 1 | Turtle Creek Asset Management Inc. | 7,406,609 | $555M | Added | Mar 2026 |
| 2 | Vanguard Portfolio Management Llc | 2,756,336 | $206M | New | Mar 2026 |
| 3 | Vanguard Capital Management Llc | 1,869,385 | $140M | New | Mar 2026 |
| 4 | Morgan Stanley | 1,820,602 | $135M | Added | Dec 2025 |
| 5 | Franklin Resources Inc | 1,149,456 | $86M | Reduced | Mar 2026 |
| 6 | Arrowstreet Capital, Limited Partnership | 1,103,584 | $83M | Reduced | Mar 2026 |
| 7 | Bank Of America Corp /de/ | 630,225 | $47M | Added | Mar 2026 |
| 8 | Pzena Investment Management Llc | 613,673 | $46M | Reduced | Mar 2026 |
| 9 | Northern Trust Corp | 536,102 | $40M | Added | Mar 2026 |
| 10 | Neuberger Berman Group Llc | 444,393 | $33M | Added | Mar 2026 |
| 11 | Ubs Group Ag | 435,265 | $33M | Reduced | Mar 2026 |
| 12 | Bank Of New York Mellon Corp | 385,907 | $29M | Reduced | Mar 2026 |
| 13 | Sg Americas Securities, Llc | 350,061 | $26M | Added | Mar 2026 |
| 14 | Invesco Ltd. | 274,705 | $21M | Reduced | Mar 2026 |
| 15 | Nuveen, Llc | 264,410 | $20M | Added | Mar 2026 |
| 16 | Hudson Bay Capital Management Lp | 253,251 | $19M | — | Dec 2025 |
| 17 | Principal Financial Group Inc | 217,632 | $16M | Reduced | Dec 2025 |
| 18 | Storebrand Asset Management As | 213,571 | $16M | New | Dec 2025 |
| 19 | Panagora Asset Management Inc | 206,133 | $15M | Added | Mar 2026 |
| 20 | Prudential Financial Inc | 203,128 | $15M | Reduced | Mar 2026 |
Mutual Funds / ETFs (N-PORT) — Top 20
All ↗
Valuation
Market Cap
$4.14B
Enterprise Value
$5.24B
P/E (TTM)
9.34x
Forward P/E
9.30x
PEG Ratio
0.06x
P/B
1.38x
P/S
1.00x
P/FCF
2.25x
EV/EBITDA
7.56x
Shares Out
46.0M
Financials (TTM)
Revenue
$4.70B
Net Income
$518.0M
EBITDA
$694.0M
Free Cash Flow
$2.09B
Op Cash Flow
$2.09B
EPS Basic
$11.13
EPS Diluted
$10.96
EPS Forward
$11.02
Gross Margin
63.3%
Op Margin
13.1%
Net Margin
11.0%
Balance Sheet
Total Assets
$22.66B
Total Liab.
$19.34B
Total Equity
$3.33B
Cash
$3.77B
LT Debt
$4.31B
Book Value/Sh
$74.10
Debt/Equity
1.32x
Current Ratio
0.27
Quick Ratio
0.27
Returns & Growth
ROE
16.9%
ROA
2.5%
ROIC
6.5%
Rev Growth YoY
-2.1%
EPS Growth YoY
+99.5%
Price Returns
2W
+2.6%
1M
+5.1%
3M
+25.7%
6M
+31.5%
12M
+73.8%
Technicals
52W High
$105.20
52W Low
$52.84
50d MA
$89.05
200d MA
$73.92
RSI (14)
80.40
ATR (14)
$3.41
Beta
1.14
Avg Volume
698K
Dividends
Div Rate
$0.94
Div Yield
1.1%
Frequency
4
Ex-Div Date
May 29, 2026
Analyst Price Targets
Consensus
$91.33
High
$105.00
Low
$70.00
Median
$95.00
Data updated apr 24, 2026 9:17pm
· Source: financialmodelingprep.com