NYSE:BFH Bread Financial (BFH) Stock Price, News & Analysis $55.00 +2.68 (+5.12%) (As of 07/26/2024 08:54 PM ET) Add Compare Share Share Today's Range$52.62▼$55.0850-Day Range$38.51▼$55.0152-Week Range$26.08▼$55.08Volume1.35 million shsAverage Volume795,137 shsMarket Capitalization$2.73 billionP/E Ratio6.93Dividend Yield1.53%Price Target$45.47 Stock AnalysisStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrends Get Bread Financial alerts: Email Address Bread Financial MarketRank™ Stock AnalysisAnalyst RatingHold2.06 Rating ScoreUpside/Downside17.3% Downside$45.47 Price TargetShort InterestBearish7.60% of Float Sold ShortDividend StrengthModerateBased on Four FactorsSustainabilityN/ANews Sentiment0.61Based on 30 Articles This WeekInsider TradingN/AProj. Earnings Growth12.27%From $5.95 to $6.68 Per ShareSee Full Details Hide Full Details Overall MarketRank™New Rank-Based ScoringMarketRank™ is calculated by averaging available category scores (with extra weight given to analysis and valuation), then ranking the company's weighted average against that of other companies.3.89 out of 5 starsBusiness Services Sector71st out of 313 stocksPersonal Credit Institutions Industry6th out of 14 stocks 2.0 Analyst's Opinion Consensus RatingBread Financial has received a consensus rating of Hold. The company's average rating score is 2.06, and is based on 4 buy ratings, 11 hold ratings, and 3 sell ratings.Amount of Analyst CoverageBread Financial has been the subject of 11 research reports in the past 90 days, demonstrating strong analyst interest in this stock.Read more about Bread Financial's stock forecast and price target. Previous Next 2.0 Short Interest Percentage of Shares Shorted7.60% of the float of Bread Financial has been sold short.Short Interest Ratio / Days to CoverBread Financial has a short interest ratio ("days to cover") of 4.6.Change versus previous monthShort interest in Bread Financial has recently decreased by 1.60%, indicating that investor sentiment is improving. Previous Next 2.5 Dividend Strength Dividend YieldBread Financial pays a meaningful dividend of 1.53%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthBread Financial does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Bread Financial is 10.58%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Bread Financial will have a dividend payout ratio of 12.57% next year. This indicates that Bread Financial will be able to sustain or increase its dividend.Read more about Bread Financial's dividend. Previous Next N/A Sustainability and ESG Overall ESG (Environmental, Social, and Governance) ScoreThere is no current Upright™ data available for BFH. Previous Next 3.1 News and Social Media Coverage News SentimentBread Financial has a news sentiment score of 0.61. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Business Services companies.News Coverage This WeekMarketBeat has tracked 30 news articles for Bread Financial this week, compared to 6 articles on an average week.Search Interest3 people have searched for BFH on MarketBeat in the last 30 days. MarketBeat Follows5 people have added Bread Financial to their MarketBeat watchlist in the last 30 days. Previous Next 1.7 Company Ownership Insider Buying vs. Insider SellingIn the past three months, Bread Financial insiders have not sold or bought any company stock.Percentage Held by InsidersOnly 0.62% of the stock of Bread Financial is held by insiders.Percentage Held by Institutions99.52% of the stock of Bread Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Bread Financial's insider trading history. Previous Next 4.4 Earnings and Valuation Earnings GrowthEarnings for Bread Financial are expected to grow by 12.27% in the coming year, from $5.95 to $6.68 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Bread Financial is 6.93, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 138.95.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 6.93, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 36.26.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 0.23. PEG Ratios below 1 indicate that a company could be undervalued.Price to Book Value per Share RatioBread Financial has a P/B Ratio of 0.86. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Bread Financial's valuation and earnings. Previous Next See Top Rated MarketRank™ Stocks Here Ad MarketBeatWe just added a $300 account credit to your MarketBeat subscriptionMarketBeat All Access is our complete suite of portfolio monitoring software, research tools, stock screeners, proprietary reports, and more. Upgrade today and get $300 off your 2024-2025 subscription. Free for 30 days.Start Your Risk-Free Trial Here About Bread Financial Stock (NYSE:BFH)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, account origination, and funding services for private label and co-brand credit card programs, as well as through Bread partnerships; and Comenity-branded general purpose cash-back credit. 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, 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. It offers its products under the Bread CashbackTM, Bread PayTM, and Bread SavingsTM 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.Read More BFH Stock Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart BFH Stock News HeadlinesJuly 29 at 5:46 AM | americanbankingnews.comBread Financial (NYSE:BFH) Price Target Raised to $37.00 at BarclaysJuly 29 at 5:13 AM | markets.businessinsider.comJMP Securities Remains a Hold on Bread Financial Holdings (BFH)July 29, 2024 | Colonial Metals (Ad)Collapse of the PetrodollarThe death of the "petrodollar" seems imminent. And the implications could not be worse for Americans. Russia, China and India have decided to abandon the petrodollar.July 29 at 4:18 AM | americanbankingnews.comCompass Point Boosts Bread Financial (NYSE:BFH) Price Target to $60.00July 28 at 7:16 AM | americanbankingnews.comBread Financial (NYSE:BFH) PT Raised to $58.00 at Royal Bank of CanadaJuly 28 at 4:54 AM | americanbankingnews.comTD Cowen Increases Bread Financial (NYSE:BFH) Price Target to $57.00July 27 at 11:30 AM | americanbankingnews.comBread Financial Holdings, Inc. Plans Quarterly Dividend of $0.21 (NYSE:BFH)July 27 at 10:28 AM | americanbankingnews.comBread Financial (NYSE:BFH) Reaches New 52-Week High Following Earnings BeatJuly 29, 2024 | Weiss Ratings (Ad)Nvidia’s Quiet $1 Trillion PivotNvidia recently added $277 billion in market cap … IN ONE DAY.July 26 at 4:58 PM | markets.businessinsider.comKBW Keeps Their Buy Rating on Bread Financial Holdings (BFH)July 26 at 4:58 PM | markets.businessinsider.comTD Cowen Keeps Their Hold Rating on Bread Financial Holdings (BFH)July 26 at 4:58 PM | msn.comBread Financial Holdings, Inc. (NYSE:BFH) Q2 2024 Earnings Call TranscriptJuly 25, 2024 | marketwatch.comBread Financial Holdings Inc. stock outperforms competitors on strong trading dayJuly 25, 2024 | markets.businessinsider.comJMP Securities Reaffirms Their Hold Rating on Bread Financial Holdings (BFH)July 25, 2024 | marketwatch.comBread Financial Holdings Inc. stock outperforms competitors despite losses on the dayJuly 25, 2024 | seekingalpha.comBread Financial Holdings, Inc. (BFH) Q2 2024 Earnings Call TranscriptJuly 25, 2024 | globenewswire.comBread Financial™ Provides Performance Update for June 2024July 25, 2024 | globenewswire.comBread Financial™ Reports Second Quarter 2024 ResultsSee More Headlines Receive BFH Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Bread Financial and its competitors with MarketBeat's FREE daily newsletter. Email Address Company Calendar Ex-Dividend for 6/14 Dividend5/09/2024Dividend Payable6/14/2024Last Earnings7/25/2024Today7/28/2024Ex-Dividend for 9/13 Dividend8/09/2024Dividend Payable9/13/2024Next Earnings (Estimated)10/24/2024Fiscal Year End12/31/2024Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorBusiness Services Industry Personal credit institutions Sub-IndustryN/A Current SymbolNYSE:BFH CUSIPN/A CIK1101215 Webwww.breadfinancial.com Phone(614) 729-4000Fax214-494-3000Employees7,000Year FoundedN/APrice Target and Rating Average Stock Price Target$45.47 High Stock Price Target$67.00 Low Stock Price Target$25.00 Potential Upside/Downside-17.3%Consensus RatingHold Rating Score (0-4)2.06 Research Coverage18 Analysts Profitability EPS (Most Recent Fiscal Year)$7.94 Trailing P/E Ratio6.93 Forward P/E Ratio9.24 P/E Growth0.23Net Income$718 million Net Margins9.77% Pretax Margin12.43% Return on Equity16.24% Return on Assets2.18% Debt Debt-to-Equity Ratio0.41 Current Ratio1.19 Quick Ratio1.18 Sales & Book Value Annual Sales$5.17 billion Price / Sales0.53 Cash Flow$19.71 per share Price / Cash Flow2.79 Book Value$63.93 per share Price / Book0.86Miscellaneous Outstanding Shares49,580,000Free Float49,277,000Market Cap$2.73 billion OptionableOptionable Beta1.98 7 Stocks That Could Be Bigger Than Tesla, Nvidia, and GoogleGrowth stocks offer a lot of bang for your buck, and we've got the next upcoming superstars to strongly consider for your portfolio.Get This Free Report Key ExecutivesMr. Ralph J. Andretta (Age 66)President, CEO & Director Comp: $3.66MMr. Perry S. Beberman (Age 57)Executive VP & CFO Comp: $1.82MMs. Tammy Michelle McConnaughey (Age 49)Executive VP and Chief Credit Risk & Operations Officer Comp: $1.78MMr. Joseph L. Motes III (Age 62)Executive VP, Chief Administrative Officer, General Counsel & Secretary Comp: $1.81MMs. Valerie E. Greer (Age 58)Executive VP & Chief Commercial Officer Comp: $1.83MMr. Jonathan Bryan Campbell (Age 50)Senior VP & Chief Accounting Officer Ms. Allegra S. Driscoll (Age 45)Executive VP & CTO Mr. Brian VerebHead of Investor RelationsBrandy SullivanSenior VP, Chief People and Culture OfficerMr. Wes HuntSenior Vice President of Operational ExcellenceMore ExecutivesKey CompetitorsAffirmNASDAQ:AFRMCredit AcceptanceNASDAQ:CACCOneMainNYSE:OMFSLMNASDAQ:SLMNelnetNYSE:NNIView All CompetitorsInsiders & InstitutionsBank of New York Mellon CorpSold 270,550 shares on 7/26/2024Ownership: 1.201%Allspring Global Investments Holdings LLCSold 3,479 shares on 7/26/2024Ownership: 0.008%Highland Capital Management LLCBought 5,491 shares on 7/25/2024Ownership: 0.011%Louisiana State Employees Retirement SystemBought 500 shares on 7/24/2024Ownership: 0.050%Pallas Capital Advisors LLCBought 4,500 shares on 7/22/2024Ownership: 0.009%View All Insider TransactionsView All Institutional Transactions BFH Stock Analysis - Frequently Asked Questions How have BFH shares performed this year? Bread Financial's stock was trading at $32.94 at the beginning of 2024. Since then, BFH shares have increased by 67.0% and is now trading at $55.00. View the best growth stocks for 2024 here. How were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) released its quarterly earnings data on Thursday, July, 25th. The company reported $2.66 EPS for the quarter, topping the consensus estimate of $1.60 by $1.06. The company's revenue was down 1.4% on a year-over-year basis. Who are Bread Financial's major shareholders? Top institutional shareholders of Bread Financial include Bank of New York Mellon Corp (1.20%), Thompson Investment Management Inc. (0.51%), Neo Ivy Capital Management (0.14%) and Louisiana State Employees Retirement System (0.05%). Insiders that own company stock include Turtle Creek Asset Management, Roger H Ballou and Timothy J Theriault. View institutional ownership trends. How do I buy shares of Bread Financial? Shares of BFH stock can be purchased through any online brokerage account. 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