Bread Financial Holdings Stock
Bread Financial Holdings, Inc.
Company data
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Country
- United States
- CEO
- Ralph J. Andretta
- Employees
- 6,000
- Market cap
- $3.9 B
- IPO
- 07/06/2001
Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Headquartered in Columbus, Ohio, the company was established in 1996 and formerly operated as Alliance Data Systems Corporation until it rebranded in March 2022. The business…
Company description based on the data provider's company data, AI-assisted, created on 16/10/2026. Not investment advice.
Bread Financial Holdings stock: price history
1D
+1.2%
1W
+2.0%
1M
-4.9%
6M
+13.2%
YTD
+38.5%
1Y
+78.0%
2Y
+93.0%
5Y
+28.7%
10Y
-39.1%
Next earnings date
Next earnings date
22/10/2026 (in 5 days)
Volatility around earnings
~7% stronger price swings than usual
Pattern chart
Pattern detected by the Market Jury detector vdouble-bottom-top-v1.0 on 14/10/26. Not a buy or sell signal.Beta
What does this mean?
Double top
BearishThe price failed at a similar high twice, with a pullback in between. This M-shaped pattern is a classic reversal signal from an uptrend into a downtrend.
Chart patterns are a purely technical signal derived from price action. At Market Jury they do not feed into the agents' buy or sell decisions, they are supplementary information only.
Bread Financial Holdings stock scores
- Valuation
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- Trend
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- Quality
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- Dividend
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- Growth
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- Insider
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- Earnings
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- Revisions
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- Sentiment
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- Short Pressure
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Deterministically calculated from financial metrics, not investment advice. Updated nightly, last on 17/10/2026.
Business model & megatrends
Robust business model that benefits noticeably from at least one megatrend.
2 more assignments (Enabler/Second row) Pro-only.
Bread Financial Holdings offers comprehensive payment and credit solutions for consumers and various industries across North America. The business model encompasses risk management, account opening, and financing of approximately 130 private-label and co-brand credit cards as well as general cash-back cards under the Comenity brand. Additionally, the company provides Buy-Now-Pay-Later (BNPL) products such as installment payment options. Bread Financial supports roughly 500 small and medium-sized businesses through partnerships and provides digital tools such as Software Development Kits (SDK) and application programming interfaces (APIs) that enable seamless integration of financing solutions into retail. Furthermore, the portfolio includes services in marketing, data management, and analytics.
- Revenue model
- Interest spread
- Recurring revenue
- High
- Pricing power
- Moderate
- Moat
- Narrow
- Moat type
- Network effects
- Capital intensity
- High
- Customer concentration
- Unknown
Ask the agents about Bread Financial Holdings
Analyst assessment of Bread Financial Holdings
PRICE TARGET LOW
US$104.00
CONSENSUS
US$117.00
MEDIAN
US$115.00
PRICE TARGET HIGH
US$132.00
0
STRONG BUY
15
BUY
21
HOLD
1
SELL
0
STRONG SELL
37
TOTAL · Hold
As of: 06/10/2026
Bread Financial Holdings stock metrics
P/E
7.88
P/B
1.22
EV/EBITDA
4.67
RETURN ON EQUITY
4.3%
NET MARGIN
12.3%
DEBT/EQUITY
0.98
DIVIDEND YIELD
0.9%
AS OF
30/06/2026
Free float & liquidity
FREE FLOAT
98.2%
FLOAT SHARES
37,743,857
AVG. DAILY VOLUME (30D)
586,043
Insider transactions (SEC)
McCarthy Dennis James
Lakhwara Praniti
Gerspach John C
TURNEY SHAREN J
Tucker Laurie Anne
Institutional holders
Dividends & Stock splits
Dividends
Stock splits
Comparable stocks
Frequently asked questions about Bread Financial Holdings stock
What does Bread Financial Holdings do?
Bread Financial Holdings, Inc. is a company in the Financial Services sector, Financial - Credit Services industry, headquartered in United States.
The CEO is Ralph J. Andretta, the company employs around 6,000 people.
The IPO was on 07/06/2001; the stock trades on NYSE under the ticker BFH.
What do analysts say about Bread Financial Holdings stock?
37 analysts rate the stock, the consensus is Hold (as of 06/10/2026).
The average price target is US$117.00, ranging from US$104.00 to US$132.00, with a median of US$115.00.
This is an external assessment, not a statement by Market Jury.
When does Bread Financial Holdings report next?
The next earnings date is 22/10/2026.
Around past earnings, price swings were roughly 7% stronger than usual.
Does Bread Financial Holdings pay a dividend?
Yes. The last dividend was US$0.23 per share, ex-date 31/08/2026, paid on 15/09/2026.
The dividend yield is 0.9% (as of 30/06/2026).
Which stocks are comparable to Bread Financial Holdings?
Comparable stocks include Visa, Mastercard, American Express Company, Capital One Financial, PayPal Holdings, Affirm Holdings, Synchrony Financial and Global Payments.
How can I get Bread Financial Holdings stock analyzed?
Clicking "Analyze stock" lets five strategies assess Bread Financial Holdings against fixed, published rules and judge it bullish, neutral or bearish. The jury states where it disagrees. A free account starts with 5 credits, a quick check costs 1 credit, a full analysis 2 credits.
Not investment advice. Past performance is not an indicator of future results.