B

    Bread Financial Holdings, Inc. (BFH)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NYSE

    $105.74
    -2.29 (-2.12%)

    Market Cap: $4.06B

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    75%(30/40)
    Avg Surprise
    +89.34%
    Streak
    7 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$3.34
    Range$3.11 - $3.80
    11 analysts
    EPS RevisionsNo revisions (7d)
    7
    2
    30d
    EPS Estimate Drift
    90d ago$3.11-6.9%
    60d ago$3.15-6.0%
    30d ago$3.37+0.8%
    7d ago$3.34+0.0%
    Current$3.34
    Revenue Consensus
    $1.0B
    Range$996M - $1.0B
    12 analysts
    Dec 31, 2026
    EPS Consensus$3.06
    Range$2.09 - $3.68
    13 analysts
    Revenue Consensus
    $1.0B
    Range$952M - $1.1B
    14 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$3.06---
    Sep 26EST
    		-$3.34---
    Jun 26
    		$3.55$2.52+40.87%Beat+13.1%
    Mar 26
    		$4.18$3.05+37.05%Beat+44.1%
    Dec 25
    		$2.07$0.48+331.25%Beat+404.9%
    Sep 25
    		$4.02$2.11+90.52%Beat+118.5%
    Jun 25
    		$3.14$1.94+61.86%Beat+18.0%
    Mar 25
    		$2.90$2.23+30.04%Beat+6.2%
    Dec 24
    		$0.41$0.32+28.13%Beat-54.4%
    Sep 24
    		$1.84$1.95-5.64%Miss-46.8%
    Jun 24
    		$2.66$1.64+62.20%Beat+109.4%
    Mar 24
    		$2.73$2.97-8.08%Miss-69.9%
    Dec 23
    		$0.90$-0.83+208.43%Beat+133.6%
    Sep 23
    		$3.46$2.28+51.75%Beat+28.6%
    Jun 23
    		$1.27$0.05+2440.00%Beat+126.8%
    Mar 23
    		$9.08$6.59+37.78%Beat+115.7%
    Dec 22
    		$-2.68$-2.80+4.29%Beat-321.5%
    Sep 22
    		$2.69$2.19+22.83%Beat-39.8%
    Jun 22
    		$0.56N/A-74.55%Miss-90.7%
    Mar 22
    		$4.21$4.41-4.54%Miss-33.0%
    Dec 21
    		$1.21$2.20-45.00%Miss-63.4%
    Sep 21
    		$4.47$3.38+32.25%Beat+29.6%
    Jun 21
    		$5.99$3.74+60.16%Beat+222.0%
    Mar 21
    		$6.28$3.15+99.37%Beat+737.3%
    Dec 20
    		$3.31$2.42+36.78%Beat-19.7%
    Sep 20
    		$3.45$2.27+51.98%Beat-31.7%
    Jun 20
    		$1.86$1.52+22.37%Beat-51.4%
    Mar 20
    		$0.75N/A-80.47%Miss-79.8%
    Dec 19
    		$4.12$4.17-1.20%Miss-41.5%
    Sep 19
    		$5.05$5.25-3.81%Miss-19.3%
    Jun 19
    		$3.83$3.95-3.04%Miss-23.6%
    Mar 19
    		$3.72$4.05-8.15%Miss-16.2%
    Dec 18
    		$7.04$6.95+1.29%Beat+12.5%
    Sep 18
    		$6.26$6.19+1.13%Beat+17.0%
    Jun 18
    		$5.01$4.65+7.74%Beat+30.5%
    Mar 18
    		$4.44$4.23+4.96%Beat+13.6%
    Dec 17
    		$6.26$5.01+24.95%Beat+34.0%
    Sep 17
    		$5.35$5.02+6.57%Beat+12.9%
    Jun 17
    		$3.84$3.74+2.67%Beat-
    Mar 17
    		$3.91$3.86+1.30%Beat-
    Dec 16
    		$4.67$4.64+0.65%Beat-
    Sep 16
    		$4.74$4.44+6.76%Beat-

    Dividends

    Dividend Metrics

    Yield0.85%
    Annual/Share$0.90
    Payout Ratio4.85%
    Frequency4
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+0.79%
    5Y CAGR-7.35%
    View BFH's full dividend history

    Key Metrics

    Valuation
    P/E Ratio7.65EV/EBITDA6.08x
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin21.40%Operating Margin29.00%
    ROE17.40%ROIC8.53%
    Financial Health
    Debt/Equity0.98xInterest Coverage0.86x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.14Avg Volume414.76K
    52-Week High$114.2852-Week Low$53.23

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$107.41
    SMA 20$108.99
    SMA 50$105.30
    SMA 200$84.52
    EMA 10$107.39
    EMA 20$107.47
    EMA 50$104.18
    EMA 200$87.42

    MACD

    Line: 0.47Signal: 1.16Hist: -0.69

    ADX

    ADX: 17.3+DI: 18.8-DI: 20.9

    Aroon & PSAR

    Aroon Up64.0
    Aroon DownN/A
    PSAR$113.10

    Bollinger Bands

    Upper Band$114.43
    Lower Band$103.55
    %B Position998%(Upper)
    Band Width0.20

    RSI (14-Day)

    Neutral
    47.2

    Momentum Oscillators

    Stoch %K40.7
    Stoch %D41.5
    Williams %R-70.3
    ROC (10d)-6.8%
    Momentum-7.66
    CCI (20d)-76.2
    MFI (14d)50.4

    Volatility Measures

    ATR (14d)$3.40(3.2%)
    StdDev (20d)2.72
    Hist Vol31.5%(Moderate)

    Volume Flow

    VWAP$106.84
    OBV44.3M
    AD Line-126.5M
    CMF (20d)-0.198

    Volume Metrics

    Avg Vol (20d)392.7K
    Vol Ratio1.2x
    VWMA (20d)$108.61

    Pivot Points

    R3$111.06
    R2$109.76
    R1$108.89
    Pivot Point$107.59
    S1$106.72
    S2$105.42
    S3$104.55

    Advanced Oscillators

    TSI4.18
    Ultimate Osc41.9
    KST30.76

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$993.00M$1.02B$975.00M$971.00M$929.00M$970.00M$925.00M$983.00M$939.00M$991.00M$1.02B$1.03B
    Cost of RevenueN/A$496.00M$199.00M$509.00M$494.00M$521.00M$648.00M$609.00M$531.00M$569.00M$720.00M$523.00M
    Gross ProfitN/A$715.00M$975.00M$672.00M$655.00M$674.00M$508.00M$614.00M$649.00M$670.00M$535.00M$727.00M
    Operating Expenses$483.00M$472.00M$554.00M$476.00M$481.00M$477.00M$535.00M$574.00M$469.00M$482.00M$516.00M$502.00M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$243.00M$47.00M$196.00M$174.00M$197.00M$-27,000,000$40.00M$180.00M$188.00M$18.00M$225.00M
    Interest Income$1.23B$1.26B$1.25B$1.24B$1.19B$1.23B$1.22B$1.28B$1.23B$1.30B$1.31B$1.30B
    Interest Expense$195.00M$193.00M$199.00M$210.00M$220.00M$225.00M$231.00M$240.00M$241.00M$248.00M$237.00M$219.00M
    Income Before Tax$197.00M$243.00M$48.00M$196.00M$174.00M$197.00M$-27,000,000$40.00M$180.00M$188.00M$19.00M$225.00M
    Income Tax Expense$51.00M$62.00M$-4,000,000$8.00M$35.00M$55.00M$-35,000,000$37.00M$47.00M$53.00M$-26,000,000$52.00M
    Net Income$146.00M$181.00M$53.00M$188.00M$139.00M$138.00M$8.00M$2.00M$133.00M$134.00M$44.00M$171.00M
    EBITDA$237.00M$284.00M$89.00M$238.00M$218.00M$241.00M$19.00M$90.00M$232.00M$243.00M$222.00M$278.00M
    EBIT$197.00M$243.00M$48.00M$196.00M$174.00M$197.00M$-27,000,000$40.00M$180.00M$188.00M$57.00M$225.00M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Bread Financial Holdings Inc. stock outperforms competitors on strong trading day

    Bread Financial Holdings Inc. (BFH) saw its stock rise by 2.32% to $107.63 on Tuesday, outperforming the broader market. This strong trading day occurred as the S&P 500 Index (SPX) increased by 0.32% and the Dow Jones Industrial Average (DJIA) rose by 0.30%. The company's stock closed 6.02% below its 52-week high.

    MarketWatch•8/25/26•
    Bullish

    Wolfe Research upgrades Bread Financial stock rating on growth outlook By Investing.com

    Wolfe Research has upgraded Bread Financial Holdings (NYSE:BFH) to Outperform from Peerperform, setting a price target of $130, implying a 24% upside. The upgrade is based on the company's "transformational story," expected acceleration in growth, disciplined expense management, and improving credit. This comes after Bread Financial surpassed Q2 2026 earnings expectations and shows strong returns over the past year.

    Investing.com UK•8/25/26•
    Bullish

    Wolfe Research Upgrades Bread Financial to Outperform From Peer Perform, Price Target is $130

    Wolfe Research has upgraded Bread Financial (BFH) to an "Outperform" rating from "Peer Perform," setting a new price target of $130. This upgrade reflects a positive outlook on the financial services company. The article also mentions recent news regarding Bread Financial, including declining delinquencies, increased loans, and various analyst price target adjustments from other firms.

    marketscreener.com•8/25/26•
    Bullish

    Bread Financial Holdings Inc. stock underperforms Wednesday when compared to competitors

    Bread Financial Holdings Inc. (BFH) stock fell 2.33% on Wednesday, closing at $108.51, despite a positive trading session for the broader market. Both the S&P 500 Index and the Dow Jones Industrial Average saw gains. This marks the third consecutive day of losses for Bread Financial Holdings Inc. shares.

    MarketWatch•8/19/26•
    Bearish

    Bread Financial Holdings Inc. stock underperforms Monday when compared to competitors

    Bread Financial Holdings Inc. (BFH) stock declined 1.90% to $111.25 on Monday, underperforming the broader market. This dip broke a three-day winning streak for the company, as both the S&P 500 and Dow Jones Industrial Average also saw declines. The stock market experienced an overall grim trading session.

    MarketWatch•8/17/26•
    Neutral

    Frequently Asked Questions About BFH

    What is BFH's current dividend yield?
    Bread Financial Holdings, Inc. (BFH) has a current dividend yield of 0.85%.
    Does BFH pay dividends?
    Yes, Bread Financial Holdings, Inc. pays dividends with a current yield of 0.85%.
    What is BFH's P/E ratio?
    Bread Financial Holdings, Inc. has a price-to-earnings (P/E) ratio of 7.65.
    What is BFH's market cap?
    Bread Financial Holdings, Inc. (BFH) has a market capitalization of $4.06B with a current stock price of $105.74.

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