Lowest-Rated StocksLowest-RatedNYSE:BFH Bread Financial (BFH) Stock Price, News & Analysis $51.34 -1.65 (-3.11%) Closing price 05/21/2025 03:59 PM EasternExtended Trading$50.22 -1.13 (-2.19%) As of 07:30 AM 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$51.21▼$52.7350-Day Range$41.94▼$55.5952-Week Range$38.21▼$66.71Volume647,017 shsAverage Volume870,849 shsMarket Capitalization$2.39 billionP/E Ratio9.25Dividend Yield1.64%Price Target$60.27Consensus RatingHold Company OverviewBread 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™ Stocks68th Percentile Overall ScoreBFH MarketRank™: Bread Financial scored higher than 68% of companies evaluated by MarketBeat, and ranked 451st out of 909 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.0 / 5Analyst RatingHold Consensus RatingBread Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on 3 buy ratings, 7 hold ratings, and 3 sell ratings.Amount of Analyst CoverageBread Financial has only been the subject of 4 research reports in the past 90 days.Read more about Bread Financial's stock forecast and price target. Earnings and Valuation3.8 / 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 9.25, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.81.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 9.25, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.48.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 1.25. PEG Ratios above 1 indicate that a company could be overvalued.Price to Book Value per Share RatioBread Financial has a P/B Ratio of 0.84. 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 Interest2.0 / 5Short Interest LevelBearish Percentage of Shares Shorted8.24% 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 3.6, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Bread Financial has recently increased by 18.79%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldBread Financial pays a meaningful dividend of 1.55%, 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 14.92%. 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 Shorted8.24% 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 3.6, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Bread Financial has recently increased by 18.79%, indicating that investor sentiment is decreasing significantly. News and Social Media2.8 / 5News Sentiment1.03 News SentimentBread Financial has a news sentiment score of 1.03. 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 news sentiment score is similar to the average news sentiment of Finance companies.News Coverage This WeekMarketBeat has tracked 13 news articles for Bread Financial this week, compared to 8 articles on an average week.Search InterestOnly 2 people have searched for BFH on MarketBeat in the last 30 days. This is a decrease of -80% compared to the previous 30 days.MarketBeat Follows2 people have added Bread Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days. Company Ownership1.7 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, Bread Financial insiders have not sold or bought any company stock.Percentage Held by InsidersOnly 0.85% 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 Announces Modified Dutch Auction Cash Tender Offer for 9.750% Senior Notes Due 2029May 21 at 7:30 AM | globenewswire.comDelinquency, net charge-off rates pull back further in April: Credit PulseMay 17, 2025 | msn.comElon’s 2025 Silver Crisis (What It Means for You)Elon Musk is back in the spotlight—this time for fueling a global scramble for silver. Tesla's relentless production of electric vehicles and solar technology is driving demand for the precious metal to unprecedented levels. Silver—critical for EV batteries, solar panels, and advanced electronics—is now at the center of a supply crisis.May 22, 2025 | GoldenCrest Metals (Ad)Bread Financial Holdings, Inc. (NYSE:BFH) Receives $60.27 Consensus Price Target from AnalystsMay 16, 2025 | americanbankingnews.comAnalysts’ Opinions Are Mixed on These Financial Stocks: Golub Capital Bdc (GBDC) and Bread Financial Holdings (BFH)May 15, 2025 | theglobeandmail.comBread Financial reports lower net loss and delinquency ratesMay 15, 2025 | investing.comBFH Crosses Above Key Moving Average LevelMay 15, 2025 | nasdaq.comBread Financial (NYSE:BFH) Price Target Raised to $39.00May 14, 2025 | americanbankingnews.comSee 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 start of the year. Since then, BFH stock has decreased by 15.9% and is now trading at $51.3410. View the best growth stocks for 2025 here. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) released its earnings results on Thursday, April, 24th. The company reported $2.86 EPS for the quarter, topping analysts' consensus estimates of $2.10 by $0.76. The business's revenue for the quarter was down 2.1% compared to the same quarter last year. Read the conference call transcript. Is Bread Financial doing a stock buyback? Bread Financial's Board of Directors approved a stock buyback program on Wednesday, March 5th 2025, which allows the company to buy back $150,000,000 in shares, according to EventVestor. This means that the company could purchase up to 6% of its stock through open market purchases. Stock buyback programs are often a sign that the company's leadership believes its shares are undervalued. Who are Bread Financial's major shareholders? Top institutional shareholders of Bread Financial include Vanguard Group Inc. (11.87%), Dimensional Fund Advisors LP (6.64%), American Century Companies Inc. (3.14%) and Wellington Management Group LLP (2.84%). Insiders that own company stock include Turtle Creek Asset Management, Roger H Ballou, Timothy J Theriault 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), AUO (AUOTY), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM). Company Calendar Record date for 3/21 Dividend2/14/2025Ex-Dividend for 3/21 Dividend2/14/2025Dividend Payable3/21/2025Last Earnings4/24/2025Record date for 6/13 Dividend5/09/2025Ex-Dividend for 6/13 Dividend5/09/2025Today5/22/2025Dividend Payable6/13/2025Next Earnings (Estimated)7/24/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry Personal credit institutions Sub-IndustryBanking Current SymbolNYSE:BFH CIK1101215 Webwww.breadfinancial.com Phone(614) 729-4000Fax214-494-3000Employees7,500Year FoundedN/APrice Target and Rating Average Stock Price Target$60.27 High Stock Price Target$88.00 Low Stock Price Target$39.00 Potential Upside/Downside+17.4%Consensus RatingHold Rating Score (0-4)2.00 Research Coverage13 Analysts Profitability EPS (Most Recent Fiscal Year)$5.63 Trailing P/E Ratio9.25 Forward P/E Ratio7.96 P/E Growth1.25Net Income$277 million Net Margins5.75% Pretax Margin7.96% Return on Equity12.41% Return on Assets1.72% Debt Debt-to-Equity Ratio0.33 Current Ratio1.15 Quick Ratio1.15 Sales & Book Value Annual Sales$3.82 billion Price / Sales0.63 Cash Flow$10.63 per share Price / Cash Flow4.83 Book Value$61.37 per share Price / Book0.84Miscellaneous Outstanding Shares46,549,000Free Float48,788,000Market Cap$2.39 billion OptionableOptionable Beta1.33 5G Stocks: The Path Forward is ProfitableEnter your email address and we'll send you MarketBeat's guide to investing in 5G and which 5G stocks show the most promise. Get This Free Report This page (NYSE:BFH) was last updated on 5/22/2025 by MarketBeat.com Staff From Our PartnersJuly 2025 Rule Change to Impact Retirement InvestorsThere's a massive change from a new rule going into effect this July. And it's one the Big Banks are alread...Premier Gold Co | SponsoredEveryone’s watching Nvidia right now. Here’s why I’m excited.So, unless you’ve been living under a rock, you probably saw the news… Nvidia just signed a $7 BILLION deal...Timothy Sykes | SponsoredElon’s 2025 Silver Crisis (What It Means for You)Elon Musk is back in the spotlight—this time for fueling a global scramble for silver. Tesla's relentless p...GoldenCrest Metals | SponsoredA new financial chapter Porter Stansberry says what happened last week could become the defining legacy of his financial publishing ca...Porter & Company | SponsoredWhite House to reset Social Security?Elon Musk's parting DOGE gift looks set to shock America... 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