Bread Financial Holdings, Inc. (BFH)Financial Services | Credit Services | Columbus, United States | NYSE
90.58 USD
+6.06
(7.170%)
⇧
(April 17, 2026, 4 p.m.
EDT)
After hours: 89.68 -0.90 (-0.900%) ⇩ (April 17, 2026, 7:49 p.m. EDT) Short-term: ★★★☆☆ | Long-term: ★★★★☆ | Dividends: ★★★☆☆ |
Hot Take | April 11, 2026, 3:44 p.m. EDT
BFH presents a mixed opportunity. The recent price action shows some volatility, but the stock is trading near its 52-week high, indicating strong momentum. The dividend yield is reasonable, and the payout ratio is low, suggesting sustainability. However, the stock's fundamentals are somewhat modest, and the options market shows both bullish and bearish positioning. For short-term traders, the current price could be a good entry point if the upward momentum continues, but caution is advised due to the mixed signals from the options market. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.055751 |
| AutoETS | 0.076951 |
| AutoARIMA | 0.077850 |
| MSTL | 0.080618 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 65% |
| H-stat | 1.59 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.257 |
| Excess Kurtosis | -0.20 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-02-26 |
| Last Dividend Date | 2026-02-26 |
| Revenue per Share | 55.62 |
| Market Cap | 3,905,367,296 |
| Trailing P/E | 8.26 |
| Forward P/E | 7.58 |
| Beta | 1.14 |
| Profit Margins | 19.90% |
| Previous Name | Alliance Data Systems Corporation |
| Website | https://www.breadfinancial.com |
As of April 11, 2026, 3:44 p.m. EDT: Options speculators are showing mixed signals. Calls are showing some interest in the 80 strike, with higher open interest and implied volatility, suggesting potential for upward movement. However, puts are also showing significant activity, particularly around lower strikes, indicating some bearish sentiment. The overall options activity suggests a cautious approach with some potential for upward momentum, but with underlying risks.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 0.32% | 1.47% | 1.97% | 1.81% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-02-27 | 0.230000 | 0.324584 |
| 2025-11-07 | 0.230000 | 0.362802 |
| 2025-08-08 | 0.210000 | 0.363058 |
| 2025-05-09 | 0.210000 | 0.420334 |
| 2025-02-14 | 0.210000 | 0.341338 |
| 2024-11-08 | 0.210000 | 0.361879 |
| 2024-08-09 | 0.210000 | 0.419784 |
| 2024-05-09 | 0.210000 | 0.535165 |
| 2024-02-08 | 0.210000 | 0.613236 |
| 2023-11-10 | 0.210000 | 0.789553 |
| 2023-08-10 | 0.210000 | 0.539298 |
| 2023-05-11 | 0.210000 | 0.837411 |
| 2023-02-09 | 0.210000 | 0.543436 |
| 2022-11-10 | 0.210000 | 0.553210 |
| 2022-08-11 | 0.210000 | 0.510551 |
| 2022-05-12 | 0.210000 | 0.468650 |
| 2022-02-10 | 0.210000 | 0.314191 |
| 2021-11-10 | 0.210000 | 0.291377 |
| 2021-08-12 | 0.167598 | 0.244968 |
| 2021-05-13 | 0.167598 | 0.197304 |
| 2021-02-11 | 0.167598 | 0.274378 |
| 2020-11-12 | 0.167598 | 0.370849 |
| 2020-08-13 | 0.167598 | 0.489345 |
| 2020-05-13 | 0.167598 | 0.624789 |
| 2020-02-13 | 0.502793 | 0.674714 |
| 2019-11-13 | 0.502793 | 0.655432 |
| 2019-09-03 | 0.502793 | 0.578931 |
| 2019-05-13 | 0.502793 | 0.499033 |
| 2019-02-20 | 0.502793 | 0.411279 |
| 2018-11-13 | 0.454908 | 0.315509 |
| 2018-08-13 | 0.454908 | 0.285654 |
| 2018-05-11 | 0.454908 | 0.312949 |
| 2018-02-13 | 0.454908 | 0.265123 |
| 2017-11-13 | 0.415004 | 0.266276 |
| 2017-08-10 | 0.415004 | 0.269282 |
| 2017-05-11 | 0.415004 | 0.238834 |
| 2017-02-13 | 0.415004 | 0.263782 |
| 2016-11-01 | 0.415004 | 0.298553 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.85350883 |
| Address1 | 3,095 Loyalty Circle |
| All Time High | 249.0024 |
| All Time Low | 8.818835 |
| Ask | 90.98 |
| Ask Size | 200 |
| Audit Risk | 3 |
| Average Analyst Rating | 2.4 - Buy |
| Average Daily Volume10 Day | 608,060 |
| Average Daily Volume3 Month | 748,127 |
| Average Volume | 748,127 |
| Average Volume10Days | 608,060 |
| Beta | 1.135 |
| Bid | 75.53 |
| Bid Size | 300 |
| Board Risk | 1 |
| Book Value | 75.442 |
| City | Columbus |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 1 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 90.58 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 91.28 |
| Day Low | 85.3 |
| Display Name | Bread Financial |
| Dividend Date | 1,773,619,200 |
| Dividend Rate | 0.92 |
| Dividend Yield | 1.02 |
| Earnings Call Timestamp End | 1,776,947,400 |
| Earnings Call Timestamp Start | 1,776,947,400 |
| Earnings Growth | 7.349 |
| Earnings Quarterly Growth | 6.714 |
| Earnings Timestamp | 1,776,947,400 |
| Earnings Timestamp End | 1,776,947,400 |
| Earnings Timestamp Start | 1,776,947,400 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 1.803 |
| Enterprise Value | 4,694,367,232 |
| Eps Current Year | 10.34252 |
| Eps Forward | 11.94752 |
| Eps Trailing Twelve Months | 10.96 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,772,150,400 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 74.9612 |
| Fifty Day Average Change | 15.618805 |
| Fifty Day Average Change Percent | 0.20835853 |
| Fifty Two Week Change Percent | 85.35088 |
| Fifty Two Week High | 91.28 |
| Fifty Two Week High Change | -0.69999695 |
| Fifty Two Week High Change Percent | -0.007668678 |
| Fifty Two Week Low | 44.88 |
| Fifty Two Week Low Change | 45.7 |
| Fifty Two Week Low Change Percent | 1.018271 |
| Fifty Two Week Range | 44.88 - 91.28 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 992,611,800,000 |
| Five Year Avg Dividend Yield | 1.75 |
| Float Shares | 42,486,498 |
| Forward Eps | 11.94752 |
| Forward P E | 7.5814896 |
| Full Exchange Name | NYSE |
| Full Time Employees | 6,000 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 0.0 |
| Gross Profits | 2,603,000,064 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.014400001 |
| Held Percent Institutions | 1.1802601 |
| Implied Shares Outstanding | 43,115,117 |
| 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 | 1,772,150,400 |
| 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 | 3,905,367,296 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_24604 |
| Most Recent Quarter | 1,767,139,200 |
| Name Change Date | 2,026-04-18 |
| Net Income To Common | 521,000,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 3,752,065,176 |
| Number Of Analyst Opinions | 15 |
| Open | 85.99 |
| Operating Cashflow | 2,092,000,000 |
| Operating Margins | 0.16944 |
| Overall Risk | 1 |
| Payout Ratio | 0.0785 |
| Peg Ratio | 0.81 |
| Phone | 614 729 4000 |
| Post Market Change | -0.9000015 |
| Post Market Change Percent | -0.99359846 |
| Post Market Price | 89.68 |
| Post Market Time | 1,776,469,741 |
| Prev Name | Alliance Data Systems Corporation |
| Previous Close | 84.52 |
| Price Eps Current Year | 8.75802 |
| Price Hint | 2 |
| Price To Book | 1.2006575 |
| Price To Sales Trailing12 Months | 1.5003332 |
| Profit Margins | 0.199 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.35294 |
| Region | US |
| Regular Market Change | 6.06001 |
| Regular Market Change Percent | 7.16991 |
| Regular Market Day High | 91.28 |
| Regular Market Day Low | 85.3 |
| Regular Market Day Range | 85.3 - 91.28 |
| Regular Market Open | 85.99 |
| Regular Market Previous Close | 84.52 |
| Regular Market Price | 90.58 |
| Regular Market Time | 1,776,456,003 |
| Regular Market Volume | 1,166,451 |
| Return On Assets | 0.022869999 |
| Return On Equity | 0.16337 |
| Revenue Growth | 0.185 |
| Revenue Per Share | 55.62 |
| Sand P52 Week Change | 0.36506534 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 1 |
| Shares Outstanding | 41,422,667 |
| Shares Percent Shares Out | 0.0002 |
| Shares Short | 6,913 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 3,973,636 |
| Short Name | Bread Financial Holdings, Inc. |
| Short Percent Of Float | 0.0002 |
| Short Ratio | 0.01 |
| Source Interval | 15 |
| State | OH |
| Symbol | BFH |
| Target High Price | 100.0 |
| Target Low Price | 67.0 |
| Target Mean Price | 85.53333 |
| Target Median Price | 90.0 |
| Total Cash | 3,604,000,000 |
| Total Cash Per Share | 83.59 |
| Total Debt | 4,392,999,936 |
| Total Revenue | 2,603,000,064 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.86 |
| Trailing Annual Dividend Yield | 0.010175107 |
| Trailing Eps | 10.96 |
| Trailing P E | 8.264599 |
| Trailing Peg Ratio | 0.8642 |
| Triggerable | 1 |
| Two Hundred Day Average | 67.57755 |
| Two Hundred Day Average Change | 23.002449 |
| Two Hundred Day Average Change Percent | 0.34038594 |
| Type Disp | Equity |
| Volume | 1,166,451 |
| Website | https://www.breadfinancial.com |
| Zip | 43,219 |