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Bread Financial Holdings, Inc. (BFH)

Financial Services | Credit Services | Columbus, United States | NYSE
97.18 USD +0.68 (0.705%) ⇧ (July 13, 2026, 4:03 p.m. EDT)
After hours: 97.34 +0.16 (0.165%) ⇧ (July 13, 2026, 6:45 p.m. EDT)

Short-term:★★★☆☆Long-term:★★★★☆Dividends:★★☆☆☆
Hot Take | July 11, 2026, 3:36 a.m. EDT

Bread Financial presents a compelling value proposition with robust fundamentals—17.5% ROE and a sub-8x P/E—yet the stock has suffered a significant multi-year discount. The recent price pullback from $108 to $96.5 has created a technical entry point near the 50-day average, though heavy put volume suggests lingering downside risk. The dividend is modest but sustainable, serving more as a yield kicker than a core income driver. While the statistical forecast leans slightly upward with low confidence, the analyst consensus and valuation metrics suggest a strong long-term case for accumulation, provided investors can stomach the volatility inherent in a recovering financial stock.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.070899
MSTL0.077686
AutoETS0.080765
AutoARIMA0.080766

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 35%
H-stat 66.78
Ljung-Box p 0.000
Jarque-Bera p 0.069
Excess Kurtosis -1.34
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-28
Last Dividend Date 2026-05-28
Revenue per Share 58.431
Market Cap 3,926,758,400
Trailing P/E 7.93
Forward P/E 7.65
Beta 1.13
Profit Margins 21.22%
Previous Name Alliance Data Systems Corporation
Website https://www.breadfinancial.com

As of July 11, 2026, 3:36 a.m. EDT: Speculators are heavily hedging downside with massive put open interest at the 75 and 85 strikes, particularly for September and November expirations, suggesting a perceived floor or fear of a deeper correction. Conversely, call positioning clusters around the 100 strike, indicating a near-term target or resistance level. Implied volatility is elevated on deep out-of-the-money puts, reflecting anxiety about a crash, while ATM IV remains moderate.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.26% 1.31% 1.74% 1.75%
Dividend History
Date Dividend Yield %
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
dividendRate 0.92
dividendYield 0.95
exDividendDate 2026-05-29
trailingAnnualDividendRate 0.88
trailingAnnualDividendYield 0.009119171
lastDividendValue 0.23
lastDividendDate 2026-05-29
dividendDate 2026-06-15

Info Dump

Attribute Value
52 Week Change 0.55670273
Address1 3,095 Loyalty Circle
All Time High 249.0024
All Time Low 8.818835
Ask 0.0
Ask Size 400
Audit Risk 1
Average Analyst Rating 2.2 - Buy
Average Daily Volume10 Day 733,110
Average Daily Volume3 Month 705,396
Average Volume 705,396
Average Volume10Days 733,110
Beta 1.128
Bid 0.0
Bid Size 300
Board Risk 1
Book Value 80.508
City Columbus
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 4
Country United States
Crypto Tradeable 0
Currency USD
Current Price 97.18
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 97.495
Day Low 96.0325
Display Name Bread Financial
Dividend Date 1,781,481,600
Dividend Rate 0.92
Dividend Yield 0.95
Earnings Call Timestamp End 1,784,836,800
Earnings Call Timestamp Start 1,784,836,800
Earnings Growth 0.493
Earnings Quarterly Growth 0.312
Earnings Timestamp 1,784,809,800
Earnings Timestamp End 1,784,809,800
Earnings Timestamp Start 1,784,809,800
Ebitda Margins 0.0
Enterprise To Revenue 1.576
Enterprise Value 4,167,758,592
Eps Current Year 11.33444
Eps Forward 12.70232
Eps Trailing Twelve Months 12.25
Esg Populated 0
Ex Dividend Date 1,780,012,800
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 93.6922
Fifty Day Average Change 3.4878006
Fifty Day Average Change Percent 0.03722616
Fifty Two Week Change Percent 55.670273
Fifty Two Week High 109.91
Fifty Two Week High Change -12.730003
Fifty Two Week High Change Percent -0.11582206
Fifty Two Week Low 53.83
Fifty Two Week Low Change 43.35
Fifty Two Week Low Change Percent 0.805313
Fifty Two Week Range 53.83 - 109.91
Financial Currency USD
First Trade Date Milliseconds 992,611,800,000
Five Year Avg Dividend Yield 1.77
Float Shares 39,756,511
Forward Eps 12.70232
Forward P E 7.650571
Full Exchange Name NYSE
Full Time Employees 6,000
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 2,644,000,000
Has Pre Post Market Data 1
Held Percent Insiders 0.01348
Held Percent Institutions 1.12039
Implied Shares Outstanding 40,407,065
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 1,780,012,800
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 3,926,758,400
Market State PREPRE
Max Age 86,400
Message Board Id finmb_24604
Most Recent Quarter 1,774,915,200
Name Change Date 2,026-07-13
Net Income To Common 558,000,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 3,899,281,772
Number Of Analyst Opinions 15
Open 97.62
Operating Cashflow 2,185,999,872
Operating Margins 0.33986
Overall Risk 1
Payout Ratio 0.0718
Peg Ratio 3.3
Phone 614 729 4000
Post Market Change 0.15999603
Post Market Change Percent 0.16463885
Post Market Price 97.34
Post Market Time 1,783,982,739
Prev Name Alliance Data Systems Corporation
Previous Close 96.5
Price Eps Current Year 8.573869
Price Hint 2
Price To Book 1.207085
Price To Sales Trailing12 Months 1.4851582
Profit Margins 0.21218
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.17647
Region US
Regular Market Change 0.68
Regular Market Change Percent 0.704664
Regular Market Day High 97.495
Regular Market Day Low 96.0325
Regular Market Day Range 96.0325 - 97.495
Regular Market Open 97.62
Regular Market Previous Close 96.5
Regular Market Price 97.18
Regular Market Time 1,783,972,990
Regular Market Volume 585,001
Return On Assets 0.02506
Return On Equity 0.17518999
Revenue Growth 0.061
Revenue Per Share 58.431
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 1
Shares Outstanding 40,407,065
Shares Percent Shares Out 0.00029999999
Shares Short 11,614
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 2,718
Short Name Bread Financial Holdings, Inc.
Short Percent Of Float 0.0004
Short Ratio 0.01
Source Interval 15
State OH
Symbol BFH
Target High Price 132.0
Target Low Price 79.0
Target Mean Price 108.13333
Target Median Price 106.0
Total Cash 3,636,999,936
Total Cash Per Share 90.009
Total Debt 3,878,000,128
Total Revenue 2,644,000,000
Tradeable 0
Trailing Annual Dividend Rate 0.88
Trailing Annual Dividend Yield 0.009119171
Trailing Eps 12.25
Trailing P E 7.933061
Trailing Peg Ratio 3.2991
Triggerable 1
Two Hundred Day Average 76.62145
Two Hundred Day Average Change 20.558548
Two Hundred Day Average Change Percent 0.2683132
Type Disp Equity
Volume 585,001
Website https://www.breadfinancial.com
Zip 43,219