Should I buy or sell Bread Financial stock right now?

12 Wall Street analysts have issued "buy," "hold," and "sell" ratings for Bread Financial in the last twelve months. There are currently 4 sell ratings, 6 hold ratings and 2 buy ratings for the stock. The consensus among Wall Street analysts is that investors should "reduce" BFH shares. View BFH analyst ratings or view top-rated stocks .

What is Bread Financial's stock price target for 2024?

12 equities research analysts have issued 1-year target prices for Bread Financial's stock. Their BFH share price targets range from $25.00 to $52.00. On average, they expect the company's share price to reach $36.55 in the next year. This suggests a possible upside of 10.1% from the stock's current price. View analysts price targets for BFH or view top-rated stocks among Wall Street analysts .

How have BFH shares performed in 2024?

Bread Financial's stock was trading at $32.94 at the start of the year. Since then, BFH stock has increased by 0.7% and is now trading at $33.18. View the best growth stocks for 2024 here .

Are investors shorting Bread Financial?

Bread Financial saw a decline in short interest in the month of March. As of March 15th, there was short interest totaling 3,650,000 shares, a decline of 12.9% from the February 29th total of 4,190,000 shares. Based on an average daily volume of 796,100 shares, the days-to-cover ratio is currently 4.6 days. Currently, 7.6% of the shares of the company are short sold. View Bread Financial's Short Interest .

When is Bread Financial's next earnings date?

The company is scheduled to release its next quarterly earnings announcement on Thursday, April 25th 2024. View our BFH earnings forecast .

How can I listen to Bread Financial's earnings call?

Bread Financial will be holding an earnings conference call on Thursday, April 25th at 8:30 AM Eastern. Interested parties can register for or listen to the call using this link .

How were Bread Financial's earnings last quarter?

Bread Financial Holdings, Inc. (NYSE:BFH) issued its earnings results on Thursday, January, 25th. The company reported $0.90 EPS for the quarter, beating analysts' consensus estimates of ($0.67) by $1.57. The firm earned $1,000 million during the quarter, compared to the consensus estimate of $984.36 million. Bread Financial had a trailing twelve-month return on equity of 26.24% and a net margin of 13.87%. The company's revenue was down 3.2% compared to the same quarter last year. During the same period last year, the company earned ($2.68) earnings per share.

How often does Bread Financial pay dividends? What is the dividend yield for Bread Financial?

Bread Financial announced a quarterly dividend on Thursday, January 25th. Stockholders of record on Friday, February 9th will be given a dividend of $0.21 per share on Friday, March 15th. This represents a $0.84 dividend on an annualized basis and a yield of 2.53%. The ex-dividend date of this dividend is Thursday, February 8th. Read our dividend analysis for BFH .

Is Bread Financial a good dividend stock?

Bread Financial (NYSE:BFH) pays an annual dividend of $0.84 per share and currently has a dividend yield of 2.50%. The dividend payout ratio is 5.87%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, BFH will have a dividend payout ratio of 11.40% next year. This indicates that the company will be able to sustain or increase its dividend. Read our dividend analysis for BFH .

What ETFs hold Bread Financial's stock?

ETFs with the largest weight of Bread Financial (NYSE:BFH) stock in their portfolio include Invesco S&P SmallCap 600 Pure Value ETF (RZV) , Royce Quant Small-Cap Quality Value ETF (SQLV) , First Trust Small Cap Value AlphaDEX Fund (FYT) , EA Bridgeway Omni Small-Cap Value ETF (BSVO) and First Trust Small Cap Core AlphaDEX Fund (FYX) . AdvisorShares Dorsey Wright Short ETF (DWSH) .

Who are Bread Financial's major shareholders?

Bread Financial's stock is owned by many different institutional and retail investors. Top institutional shareholders include Thompson Investment Management Inc. (0.54%), Los Angeles Capital Management LLC (0.03%), DGS Capital Management LLC (0.02%), Allspring Global Investments Holdings LLC (0.01%) and Range Financial Group LLC (0.01%). Insiders that own company stock include Roger H Ballou, Timothy J Theriault and Turtle Creek Asset Management. View institutional ownership trends .

How do I buy shares of Bread Financial?

Shares of BFH stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. Compare Top Brokerages Here .

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NYSE:BFH

Bread Financial (BFH) Stock Price, News & Analysis

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$33.18

+0.95 (+2.95%)

(As of 04/18/2024 ET)

Compare

Today's Range: $32.25
▼
$33.84
50-Day Range: $32.23
▼
$40.16
52-Week Range: $23.19
▼
$41.89

Volume: 886,046 shs
Average Volume: 778,353 shs
Market Capitalization: $1.64 billion

P/E Ratio: 2.32
Dividend Yield: 2.53%
Price Target: $36.55

Get Bread Financial alerts:

Bread Financial MarketRank™ Stock Analysis

Analyst Rating: Reduce
1.83 Rating Score
Upside/Downside: 10.1% Upside
$36.55 Price Target
Short Interest: Bearish
7.35% of Float Sold Short
Dividend Strength: Moderate
Based on Four Factors
Sustainability: N/A
News Sentiment: 0.11
Based on 10 Articles This Week
Insider Trading: Selling Shares
$5.42 M Sold Last Quarter
Proj. Earnings Growth: 7.12%
From $6.88 to $7.37 Per Share

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.

4.15 out of 5 stars

Business Services Sector

50th out of 295 stocks

Personal Credit Institutions Industry

8th out of 13 stocks

2.9

Analyst's Opinion

Consensus Rating
Bread Financial has received a consensus rating of Reduce. The company's average rating score is 1.83, and is based on 2 buy ratings, 6 hold ratings, and 4 sell ratings.
Amount of Analyst Coverage
Bread Financial has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

2.0

Short Interest

Percentage of Shares Shorted
7.35% of the float of Bread Financial has been sold short.
Short Interest Ratio / Days to Cover
Bread Financial has a short interest ratio ("days to cover") of 4.4.
Change versus previous month
Short interest in Bread Financial has recently decreased by 2.74%, indicating that investor sentiment is improving.

2.5

Dividend Strength

Dividend Yield
Bread Financial pays a meaningful dividend of 2.50%, higher than the bottom 25% of all stocks that pay dividends.
Dividend Growth
Bread Financial does not have a long track record of dividend growth.
Dividend Coverage
The dividend payout ratio of Bread Financial is 5.87%. This payout ratio is at a healthy, sustainable level, below 75%.
Dividend Sustainability
Based on earnings estimates, Bread Financial will have a dividend payout ratio of 11.40% next year. This indicates that Bread Financial will be able to sustain or increase its dividend.

N/A

Sustainability and ESG

Overall ESG (Environmental, Social, and Governance) Score
There is no current Upright™ data available for BFH.

1.7

News and Social Media Coverage

News Sentiment
Bread Financial has a news sentiment score of 0.11. 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 is a lower news sentiment than the 0.51 average news sentiment score of Business Services companies.
News Coverage This Week
MarketBeat has tracked 10 news articles for Bread Financial this week, compared to 5 articles on an average week.
Search Interest
Only 4 people have searched for BFH on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.
MarketBeat Follows
Only 2 people have added Bread Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -67% compared to the previous 30 days.

2.5

Company Ownership

Insider Buying vs. Insider Selling
In the past three months, Bread Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $5,417,850.00 in company stock.
Percentage Held by Insiders
Only 0.62% of the stock of Bread Financial is held by insiders.
Percentage Held by Institutions
99.52% of the stock of Bread Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

4.4

Earnings and Valuation

Earnings Growth
Earnings for Bread Financial are expected to grow by 7.12% in the coming year, from $6.88 to $7.37 per share.
Price to Earnings Ratio vs. the Market
The P/E ratio of Bread Financial is 2.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 142.54.
Price to Earnings Ratio vs. Sector
The P/E ratio of Bread Financial is 2.32, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 33.57.
Price to Earnings Growth Ratio
Bread Financial has a PEG Ratio of 0.12. PEG Ratios below 1 indicate that a company could be undervalued.
Price to Book Value per Share Ratio
Bread Financial has a P/B Ratio of 0.56. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

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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.

BFH Stock Price History

30 days | 90 days | 365 days | Advanced Chart

BFH Stock News Headlines

April 18, 2024 | americanbankingnews.com

Bread Financial (BFH) Scheduled to Post Earnings on Thursday

April 18, 2024 | americanbankingnews.com

Bread Financial Holdings, Inc. to Post Q1 2024 Earnings of $2.99 Per Share, Seaport Res Ptn Forecasts (NYSE:BFH)

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April 16, 2024 | morningstar.com

Bread Financial Holdings Inc

April 16, 2024 | americanbankingnews.com

Oaktree Specialty Lending (NASDAQ:OCSL) & Bread Financial (NYSE:BFH) Head-To-Head Analysis

April 13, 2024 | msn.com

8 Bread Brands You Absolutely Must Try

April 10, 2024 | americanbankingnews.com

Bread Financial (NYSE:BFH) Given New $26.00 Price Target at Barclays

April 9, 2024 | globenewswire.com

Bread Financial(TM) Schedules First Quarter 2024 Earnings Conference Call for April 25

April 18, 2024 | DTI (Ad)

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April 8, 2024 | americanbankingnews.com

Bread Financial Holdings, Inc. (NYSE:BFH) Receives Consensus Rating of "Reduce" from Brokerages

April 4, 2024 | markets.businessinsider.com

Buy Rating Affirmed for Bread Financial Holdings Amidst Positive Credit Outlook and Strategic Adaptability

April 4, 2024 | msn.com

Bringing to life ‘community of women breadwinners’, starting with bread

March 15, 2024 | finance.yahoo.com

The past five years for Bread Financial Holdings (NYSE:BFH) investors has not been profitable

March 15, 2024 | investing.com

Bread Financial reports increased net loss rate for February

March 14, 2024 | markets.businessinsider.com

Analysts Offer Insights on Financial Companies: American Financial Group (AFG), Portman Ridge Finance (PTMN) and Bread Financial Holdings (BFH)

March 14, 2024 | markets.businessinsider.com

Analysts Have Conflicting Sentiments on These Financial Companies: Palomar Holdings (PLMR), Chubb (CB) and Bread Financial Holdings (BFH)

March 13, 2024 | finanznachrichten.de

Bread Financial Payments, Inc.: Bread Financial Provides Performance Update For February 2024

March 13, 2024 | markets.businessinsider.com

Bread Financial Holdings: Hold Rating Justified by Mixed Loan Growth and Credit Quality Metrics

March 13, 2024 | msn.com

Bread Financial's credit card delinquency rate dips, charge-offs rise in February

March 13, 2024 | globenewswire.com

Bread Financial Provides Performance Update For February 2024

February 29, 2024 | ca.finance.yahoo.com

BFH Mar 2024 37.500 put

February 29, 2024 | ca.finance.yahoo.com

BFH Dec 2024 30.000 put

February 29, 2024 | ca.finance.yahoo.com

BFH Jun 2024 60.000 call

February 29, 2024 | finance.yahoo.com

BFH Apr 2024 32.500 put

February 28, 2024 | globenewswire.com

Bread Financial™ to Participate in the 2024 RBC Capital Markets Financial Institutions Conference and the Wolfe FinTech Forum 2024

February 26, 2024 | fool.com

3 Stocks on My Radar as We Head Into March

February 23, 2024 | yahoo.com

5 Reasons to Eat Whole Grain Bread

See More Headlines

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Company Calendar

Last Earnings: 1/25/2024
Ex-Dividend for 3/15 Dividend: 2/08/2024
Dividend Payable: 3/15/2024
Today: 4/18/2024
Next Earnings (Confirmed): 4/25/2024
Fiscal Year End: 12/31/2024

Get Stock Alerts

Industry, Sector and Symbol

Stock Exchange: NYSE
Sector: Business Services
Industry: Personal credit institutions
Sub-Industry: N/A
Current Symbol: NYSE:BFH
CUSIP: N/A
CIK: 1101215
Web: www.breadfinancial.com
Phone: (614) 729-4000
Fax: 214-494-3000
Employees: 7,000
Year Founded: N/A

Price Target and Rating

Average Stock Price Target: $36.55
High Stock Price Target: $52.00
Low Stock Price Target: $25.00
Potential Upside/Downside: +9.5%
Consensus Rating: Reduce
Rating Score (0-4): 1.83
Research Coverage: 12 Analysts

Profitability

EPS (Most Recent Fiscal Year): $14.32
Trailing P/E Ratio: 2.33
Forward P/E Ratio: 4.85
P/E Growth: 0.12
Net Income: $718 million
Net Margins: 13.87%
Pretax Margin: 19.60%
Return on Equity: 26.24%
Return on Assets: 3.34%

Debt

Debt-to-Equity Ratio: 0.48
Current Ratio: 1.18
Quick Ratio: 1.18

Sales & Book Value

Annual Sales: $5.17 billion
Price / Sales: 0.32
Cash Flow: $19.64 per share
Price / Cash Flow: 1.70
Book Value: $59.15 per share
Price / Book: 0.56

Miscellaneous

Outstanding Shares: 49,420,000
Free Float: 49,118,000
Market Cap: $1.65 billion
Optionable: Optionable
Beta: 1.93

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Key Executives

Mr. Ralph J. Andretta (Age 65)
President, CEO & Director
Comp: $3.85M
Mr. Perry S. Beberman (Age 57)
Executive VP & CFO
Comp: $1.85M
Ms. Tammy Michelle McConnaughey (Age 49)
Executive Vice President of Operations & Credit Risk
Comp: $1.85M
Mr. Joseph L. Motes III (Age 62)
Executive VP, Chief Administrative Officer, General Counsel & Secretary
Comp: $1.87M
Ms. Valerie E. Greer (Age 58)
Executive VP & Chief Commercial Officer
Comp: $1.9M
Mr. Jonathan Bryan Campbell (Age 50)
Senior VP & Chief Accounting Officer
Ms. Allegra S. Driscoll
Executive VP & CTO
Mr. Brian Vereb
Head of Investor Relations
Brandy Sullivan
Senior VP, Chief People and Culture Officer
Mr. Wes Hunt
Senior Vice President of Operational Excellence

Key Competitors

View All Competitors

Insiders & Institutions

View All Insider Transactions
View All Institutional Transactions

BFH Stock Analysis - Frequently Asked Questions

Should I buy or sell Bread Financial stock right now?: 12 Wall Street analysts have issued "buy," "hold," and "sell" ratings for Bread Financial in the last twelve months. There are currently 4 sell ratings, 6 hold ratings and 2 buy ratings for the stock. The consensus among Wall Street analysts is that investors should "reduce" BFH shares.
View BFH analyst ratings or view top-rated stocks.
What is Bread Financial's stock price target for 2024?: 12 equities research analysts have issued 1-year target prices for Bread Financial's stock. Their BFH share price targets range from $25.00 to $52.00. On average, they expect the company's share price to reach $36.55 in the next year. This suggests a possible upside of 10.1% from the stock's current price.
View analysts price targets for BFH or view top-rated stocks among Wall Street analysts.
How have BFH shares performed in 2024?: Bread Financial's stock was trading at $32.94 at the start of the year. Since then, BFH stock has increased by 0.7% and is now trading at $33.18.
View the best growth stocks for 2024 here.
Are investors shorting Bread Financial?: Bread Financial saw a decline in short interest in the month of March. As of March 15th, there was short interest totaling 3,650,000 shares, a decline of 12.9% from the February 29th total of 4,190,000 shares. Based on an average daily volume of 796,100 shares, the days-to-cover ratio is currently 4.6 days. Currently, 7.6% of the shares of the company are short sold.
View Bread Financial's Short Interest.
When is Bread Financial's next earnings date?: The company is scheduled to release its next quarterly earnings announcement on Thursday, April 25th 2024.
View our BFH earnings forecast.
How can I listen to Bread Financial's earnings call?: Bread Financial will be holding an earnings conference call on Thursday, April 25th at 8:30 AM Eastern. Interested parties can register for or listen to the call using this link.

How were Bread Financial's earnings last quarter?: Bread Financial Holdings, Inc. (NYSE:BFH) issued its earnings results on Thursday, January, 25th. The company reported $0.90 EPS for the quarter, beating analysts' consensus estimates of ($0.67) by $1.57. The firm earned $1,000 million during the quarter, compared to the consensus estimate of $984.36 million. Bread Financial had a trailing twelve-month return on equity of 26.24% and a net margin of 13.87%. The company's revenue was down 3.2% compared to the same quarter last year. During the same period last year, the company earned ($2.68) earnings per share.
How often does Bread Financial pay dividends? What is the dividend yield for Bread Financial?: Bread Financial announced a quarterly dividend on Thursday, January 25th. Stockholders of record on Friday, February 9th will be given a dividend of $0.21 per share on Friday, March 15th. This represents a $0.84 dividend on an annualized basis and a yield of 2.53%. The ex-dividend date of this dividend is Thursday, February 8th.
Read our dividend analysis for BFH.
Is Bread Financial a good dividend stock?: Bread Financial (NYSE:BFH) pays an annual dividend of $0.84 per share and currently has a dividend yield of 2.50%. The dividend payout ratio is 5.87%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, BFH will have a dividend payout ratio of 11.40% next year. This indicates that the company will be able to sustain or increase its dividend.
Read our dividend analysis for BFH.
What ETFs hold Bread Financial's stock?: ETFs with the largest weight of Bread Financial (NYSE:BFH) stock in their portfolio include Invesco S&P SmallCap 600 Pure Value ETF (RZV), Royce Quant Small-Cap Quality Value ETF (SQLV), First Trust Small Cap Value AlphaDEX Fund (FYT), EA Bridgeway Omni Small-Cap Value ETF (BSVO) and First Trust Small Cap Core AlphaDEX Fund (FYX).AdvisorShares Dorsey Wright Short ETF (DWSH).
Who are Bread Financial's major shareholders?: Bread Financial's stock is owned by many different institutional and retail investors. Top institutional shareholders include Thompson Investment Management Inc. (0.54%), Los Angeles Capital Management LLC (0.03%), DGS Capital Management LLC (0.02%), Allspring Global Investments Holdings LLC (0.01%) and Range Financial Group LLC (0.01%). Insiders that own company stock include Roger H Ballou, Timothy J Theriault and Turtle Creek Asset Management.
View institutional ownership trends.
How do I buy shares of Bread Financial?: Shares of BFH stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

This page (NYSE:BFH) was last updated on 4/18/2024 by MarketBeat.com Staff

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Bread Financial (BFH) Stock Price, News & Analysis

Bread Financial MarketRank™ Stock Analysis

Overall MarketRank™

Analyst's Opinion

Short Interest

Percentage of Shares Shorted

Short Interest Ratio / Days to Cover

Change versus previous month

Dividend Strength

Sustainability and ESG

Overall ESG (Environmental, Social, and Governance) Score

News and Social Media Coverage

News Sentiment

News Coverage This Week

Search Interest

MarketBeat Follows

Company Ownership

Earnings and Valuation

About Bread Financial Stock (NYSE:BFH)

BFH Stock Price History

BFH Stock News Headlines

Company Calendar

Industry, Sector and Symbol

Price Target and Rating

Profitability

Debt

Sales & Book Value

Miscellaneous

Key Executives

Key Competitors

Insiders & Institutions

BFH Stock Analysis - Frequently Asked Questions

Overall MarketRank^™