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Bread Financial Holdings, Inc. (BFH)

Financial Services | Credit Services | Columbus, United States | NYSE
105.74 USD -2.29 (-2.120%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 105.74

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★☆☆☆
Hot Take | Aug. 22, 2026, 3:27 a.m. EDT

Bread Financial presents a compelling value opportunity with strong fundamentals trading at a discount. The company maintains a healthy 17% ROE and low valuation multiples, supported by a recent recovery in earnings and revenue. While the long-term price chart shows a decade of volatility, the current trajectory is upward without recent consecutive declines. Income investors will find the yield unattractive, though the payout is sustainable. Short-term momentum is gaining traction as the stock rebounds above key averages, yet options data indicates significant hedging via put writing in the near term. The statistical forecast offers a weak bullish lean. Ultimately, this is a solid long-term buy for value-oriented capital, though traders should monitor the defensive options positioning for potential downside pressure.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.035555
MSTL0.039031
AutoARIMA0.040312
AutoETS0.040317

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 46%
H-stat 0.19
Ljung-Box p 0.000
Jarque-Bera p 0.222
Excess Kurtosis -0.54
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-30
Last Dividend Date 2026-05-28
Revenue per Share 61.263
Market Cap 4,062,453,248
Trailing P/E 8.39
Forward P/E 7.91
Beta 1.14
Profit Margins 21.36%
Previous Name Alliance Data Systems Corporation
Website https://www.breadfinancial.com

As of Aug. 22, 2026, 3:27 a.m. EDT: Speculators are positioning defensively with heavy open interest in out-of-the-money puts for September and November expirations, indicating a hedge against downside volatility. Conversely, call activity near the current price shows concentrated volume at the 110 strike, suggesting some bullish intent at current levels. Implied volatility skews higher for calls in the immediate term, while put writers dominate the longer-dated horizon.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.26% 0.94% 1.57% 1.70%
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 0.85
exDividendDate 2026-08-31
trailingAnnualDividendRate 0.9
trailingAnnualDividendYield 0.008331019
lastDividendValue 0.23
lastDividendDate 2026-05-29
dividendDate 2026-09-15

Info Dump

Attribute Value
52 Week Change 0.64956486
Address1 3,095 Loyalty Circle
All Time High 249.0024
All Time Low 8.818835
Ask 106.05
Ask Size 100
Audit Risk 1
Average Analyst Rating 2.1 - Buy
Average Daily Volume10 Day 385,610
Average Daily Volume3 Month 638,406
Average Volume 638,406
Average Volume10Days 385,610
Beta 1.138
Bid 105.82
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 105.74
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 108.76
Day Low 105.66
Display Name Bread Financial
Dividend Date 1,789,430,400
Dividend Rate 0.92
Dividend Yield 0.85
Earnings Call Timestamp End 1,784,809,800
Earnings Call Timestamp Start 1,784,809,800
Earnings Growth 0.212
Earnings Quarterly Growth 0.05
Earnings Timestamp 1,784,809,800
Earnings Timestamp End 1,792,672,200
Earnings Timestamp Start 1,792,672,200
Ebitda Margins 0.0
Enterprise To Revenue 1.373
Enterprise Value 3,664,453,376
Eps Current Year 12.22145
Eps Forward 13.36942
Eps Trailing Twelve Months 12.61
Esg Populated 0
Ex Dividend Date 1,788,134,400
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 105.2156
Fifty Day Average Change 0.5243988
Fifty Day Average Change Percent 0.0049840403
Fifty Two Week Change Percent 64.95649
Fifty Two Week High 114.53
Fifty Two Week High Change -8.790001
Fifty Two Week High Change Percent -0.07674846
Fifty Two Week Low 53.83
Fifty Two Week Low Change 51.909996
Fifty Two Week Low Change Percent 0.96433204
Fifty Two Week Range 53.83 - 114.53
Financial Currency USD
First Trade Date Milliseconds 992,611,800,000
Five Year Avg Dividend Yield 1.77
Float Shares 37,773,440
Forward Eps 13.36942
Forward P E 7.909094
Full Exchange Name NYSE
Full Time Employees 6,000
Fullday Change -2.29
Fullday Change Percent -2.11978
Fullday Price 105.74
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 2,668,000,000
Has Pre Post Market Data 1
Held Percent Insiders 0.0141199995
Held Percent Institutions 1.07
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 1
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 4,062,453,248
Market State CLOSED
Max Age 86,400
Message Board Id finmb_24604
Most Recent Quarter 1,782,777,600
Name Change Date 2,026-08-29
Net Income To Common 565,000,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 4,150,433,522
Number Of Analyst Opinions 16
Open 108.67
Operating Cashflow 2,192,999,936
Operating Margins 0.28971002
Overall Risk 1
Payout Ratio 0.0698
Peg Ratio 3.91
Phone 614 729 4000
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 105.74
Post Market Time 1,787,959,805
Prev Name Alliance Data Systems Corporation
Previous Close 108.03
Price Eps Current Year 8.652001
Price Hint 2
Price To Book 1.2160872
Price To Sales Trailing12 Months 1.5226586
Profit Margins 0.21364
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.05882
Region US
Regular Market Change -2.29
Regular Market Change Percent -2.11978
Regular Market Day High 108.76
Regular Market Day Low 105.66
Regular Market Day Range 105.66 - 108.76
Regular Market Open 108.67
Regular Market Previous Close 108.03
Regular Market Price 105.74
Regular Market Time 1,787,947,203
Regular Market Volume 476,691
Return On Assets 0.0257
Return On Equity 0.17424999
Revenue Growth 0.038
Revenue Per Share 61.263
Sand P52 Week Change 0.20504117
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 0.0005
Shares Short 17,577
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 9,971
Short Name Bread Financial Holdings, Inc.
Short Percent Of Float 0.00059999997
Short Ratio 0.03
Source Interval 15
State OH
Symbol BFH
Target High Price 132.0
Target Low Price 79.0
Target Mean Price 115.4375
Target Median Price 117.0
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 0.008331019
Trailing Eps 12.61
Trailing P E 8.385408
Trailing Peg Ratio 3.9198
Triggerable 1
Two Hundred Day Average 84.5258
Two Hundred Day Average Change 21.214195
Two Hundred Day Average Change Percent 0.25097892
Type Disp Equity
Volume 476,691
Website https://www.breadfinancial.com
Zip 43,219