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Bread Financial Holdings, Inc. (BFH)

Financial Services | Credit Services | Columbus, United States | NYSE
99.39 USD -2.92 (-2.854%) ⇩ (Oct. 14, 2026, 11:34 a.m. EDT)

Short-term:★★☆☆☆Long-term:★★★★☆Dividends:★★☆☆☆
Hot Take ↕ | Oct. 10, 2026, 6:12 a.m. EDT

Bread Financial presents a compelling long-term value proposition obscured by short-term technical weakness. The business fundamentals are robust, boasting a 17% return on equity, 21% profit margins, and a fortress balance sheet with net cash on hand. Valuation is deeply attractive at a forward P/E of 7.3x, while earnings growth is accelerating at 21%. The multi-year price trajectory has recovered significantly in the last two years, ending on a positive annual note without a multi-year decline penalty. However, the short-term outlook remains cautious. Technicals show the stock trading below its 50-day moving average, and options flow reveals heavy put open interest for the coming months, indicating speculative hedging against a downturn. The dividend yield sits at a modest 0.94%, which is safe but not a primary driver. Investors should view this as a core holding for the long haul rather than a momentum trade, waiting for the technicals to align with the strong underlying economics.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.025281
MSTL0.028375
AutoTheta0.034104
AutoARIMA0.055646

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 44%
H-stat 2.65
Ljung-Box p 0.000
Jarque-Bera p 0.103
Excess Kurtosis 0.10
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-30
Last Dividend Date 2026-08-30
Revenue per Share 61.263
Market Cap 3,818,491,136
Trailing P/E 7.70
Forward P/E 7.23
Beta 1.18
Profit Margins 21.36%
Previous Name Alliance Data Systems Corporation
Website https://www.breadfinancial.com

As of Oct. 10, 2026, 6:12 a.m. EDT: Speculators are positioning defensively for the near term. October and November expirations show significantly higher open interest in puts compared to calls, with deep in-the-money put volume spiking at lower strikes. Implied volatility is elevated on these protective positions, suggesting a fear of downside moves despite the recent earnings beat. The short-term sentiment leans bearish based on option flow.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.22% 1.16% 1.64% 1.75%
Dividend History
Date Dividend Yield %
2026-08-31 0.230000 0.220159
2026-05-29 0.230000 0.258224
2026-02-27 0.230000 0.324584
2025-11-07 0.230000 0.361749
2025-08-08 0.210000 0.360701
2025-05-09 0.210000 0.416089
2025-02-14 0.210000 0.336485
2024-11-08 0.210000 0.355510
2024-08-09 0.210000 0.410959
2024-05-09 0.210000 0.521610
2024-02-08 0.210000 0.594564
2023-11-10 0.210000 0.760870
2023-08-10 0.210000 0.515717
2023-05-11 0.210000 0.796662
2023-02-09 0.210000 0.512821
2022-11-10 0.210000 0.519416
2022-08-11 0.210000 0.476623
2022-05-12 0.210000 0.435414
2022-02-10 0.210000 0.290657
2021-11-10 0.210000 0.268783
2021-08-12 0.167598 0.225346
2021-05-13 0.167598 0.181097
2021-02-11 0.167598 0.251377
2020-11-12 0.167598 0.338929
2020-08-13 0.167598 0.445766
2020-05-13 0.167598 0.566649
2020-02-13 0.502793 0.608754
2019-11-13 0.502793 0.587796
2019-09-03 0.502793 0.516182
2019-05-13 0.502793 0.442664
2019-02-20 0.502793 0.363280
2018-11-13 0.454908 0.277683
2018-08-13 0.454908 0.250704
2018-05-11 0.454908 0.273972
2018-02-13 0.454908 0.231463
2017-11-13 0.415004 0.231936
2017-08-10 0.415004 0.234013
2017-05-11 0.415004 0.207089
2017-02-13 0.415004 0.228260
2016-11-01 0.415004 0.257758
Additional Data
dividendYield 0.9
exDividendDate 2026-08-31
trailingAnnualDividendRate 0.9
trailingAnnualDividendYield 0.008796794
lastDividendValue 0.23
lastDividendDate 2026-08-31
dividendDate 2026-09-15

Info Dump

Attribute Value
52 Week Change 0.71230125
Address1 3,095 Loyalty Circle
All Time High 249.0024
All Time Low 8.818835
Ask 99.58
Ask Size 100
Audit Risk 1
Average Analyst Rating 2.2 - Buy
Average Daily Volume10 Day 540,310
Average Daily Volume3 Month 546,809
Average Volume 546,809
Average Volume10Days 540,310
Beta 1.178
Bid 99.15
Bid Size 200
Board Risk 1
Book Value 86.951
City Columbus
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 4
Country United States
Crypto Tradeable 0
Currency USD
Current Price 99.39
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 100.755
Day Low 98.93
Display Name Bread Financial
Dividend Date 1,789,430,400
Dividend Yield 0.9
Earnings Call Timestamp End 1,792,699,200
Earnings Call Timestamp Start 1,792,699,200
Earnings Growth 0.212
Earnings Quarterly Growth 0.05
Earnings Timestamp 1,792,672,200
Earnings Timestamp End 1,792,672,200
Earnings Timestamp Start 1,792,672,200
Ebitda Margins 0.0
Enterprise To Revenue 1.324
Enterprise Value 3,532,675,328
Eps Current Year 12.34047
Eps Forward 13.74775
Eps Trailing Twelve Months 12.9
Esg Populated 0
Ex Dividend Date 1,788,134,400
Exchange NYQ
Exchange Data Delayed By 20
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 105.6004
Fifty Day Average Change -6.2104034
Fifty Day Average Change Percent -0.058810413
Fifty Two Week Change Percent 71.230125
Fifty Two Week High 114.53
Fifty Two Week High Change -15.139999
Fifty Two Week High Change Percent -0.13219243
Fifty Two Week Low 57.11
Fifty Two Week Low Change 42.28
Fifty Two Week Low Change Percent 0.7403256
Fifty Two Week Range 57.11 - 114.53
Financial Currency USD
First Trade Date Milliseconds 992,611,800,000
Five Year Avg Dividend Yield 1.56
Float Shares 37,743,857
Forward Eps 13.74775
Forward P E 7.2295465
Full Exchange Name NYSE
Full Time Employees 6,000
Fullday Change 0.6800003
Fullday Change Percent 0.6690941
Fullday Price 99.39
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 2,668,000,000
Has Pre Post Market Data 1
Held Percent Insiders 0.014889999
Held Percent Institutions 1.09748
Implied Shares Outstanding 38,419,268
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Ir Website http://phx.corporate-ir.net/phoenix.zhtml?c=120991&p=irol-irhome
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,788,134,400
Last Dividend Value 0.23
Last Fiscal Year End 1,767,139,200
Last Split Date 1,636,329,600
Last Split Factor 1,253:1000
Long Business Summary 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, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. 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 Pay, 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. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings 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.
Long Name Bread Financial Holdings, Inc.
Market us_market
Market Cap 3,818,491,136
Market State REGULAR
Max Age 86,400
Message Board Id finmb_24604
Most Recent Quarter 1,782,777,600
Name Change Date 2,026-10-14
Net Income To Common 565,000,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 3,810,807,192
Number Of Analyst Opinions 16
Open 100.28
Operating Cashflow 2,192,999,936
Operating Margins 0.28971002
Overall Risk 1
Payout Ratio 0.0698
Peg Ratio 2.23
Phone 614 729 4000
Prev Name Alliance Data Systems Corporation
Previous Close 102.31
Price Eps Current Year 8.0539875
Price Hint 2
Price To Book 1.1430576
Price To Sales Trailing12 Months 1.4312186
Profit Margins 0.21364
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.17647
Region US
Regular Market Change -2.9199982
Regular Market Change Percent -2.8540692
Regular Market Day High 100.755
Regular Market Day Low 98.93
Regular Market Day Range 98.93 - 100.755
Regular Market Open 100.28
Regular Market Previous Close 102.31
Regular Market Price 99.39
Regular Market Time 1,791,992,099
Regular Market Volume 66,905
Return On Assets 0.0257
Return On Equity 0.17424999
Revenue Growth 0.038
Revenue Per Share 61.263
Sand P52 Week Change 0.17004645
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 1
Shares Outstanding 38,419,268
Shares Percent Shares Out 0.084300004
Shares Short 3,237,726
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 3,092,605
Short Name Bread Financial Holdings, Inc.
Short Percent Of Float 0.1185
Short Ratio 5.49
Source Interval 15
State OH
Symbol BFH
Target High Price 129.0
Target Low Price 86.0
Target Mean Price 114.6875
Target Median Price 115.0
Total Cash 3,683,000,064
Total Cash Per Share 95.863
Total Debt 3,284,999,936
Total Revenue 2,668,000,000
Tradeable 0
Trailing Annual Dividend Rate 0.9
Trailing Annual Dividend Yield 0.008796794
Trailing Eps 12.9
Trailing P E 7.7046514
Trailing Peg Ratio 2.1634
Triggerable 1
Two Hundred Day Average 89.97945
Two Hundred Day Average Change 9.410553
Two Hundred Day Average Change Percent 0.10458559
Type Disp Equity
Volume 66,905
Website https://www.breadfinancial.com
Zip 43,219