Lowest-Rated StocksLowest-RatedNYSE:BFH Bread Financial (BFH) Stock Price, News & Analysis → Grab Your Free Bitcoin Today! (From Crypto Swap Profits) (Ad) Free BFH Stock Alerts $37.24 -0.38 (-1.01%) (As of 03/28/2024 ET) Add Compare Share Share Today's Range$36.92▼$37.9650-Day Range$30.19▼$40.1652-Week Range$23.19▼$41.89Volume405,607 shsAverage Volume949,400 shsMarket Capitalization$1.84 billionP/E Ratio2.60Dividend Yield2.26%Price Target$35.00 Stock AnalysisStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSocial MediaStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSocial Media Get Bread Financial alerts: Email Address Bread Financial MarketRank™ Stock AnalysisAnalyst RatingReduce1.75 Rating ScoreUpside/Downside6.0% Downside$35.00 Price TargetShort InterestHealthy7.56% of Float Sold ShortDividend StrengthModerateBased on Four FactorsSustainabilityN/ANews SentimentN/AInsider TradingSelling Shares$10.23 M Sold Last QuarterProj. Earnings Growth10.97%From $7.20 to $7.99 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.4.06 out of 5 starsBusiness Services Sector64th out of 317 stocksPersonal Credit Institutions Industry6th out of 14 stocks 1.9 Analyst's Opinion Consensus RatingBread Financial has received a consensus rating of Reduce. The company's average rating score is 1.75, and is based on 1 buy rating, 7 hold ratings, and 4 sell ratings.Price Target Upside/DownsideAccording to analysts' consensus price target of $35.00, Bread Financial has a forecasted downside of 6.0% from its current price of $37.24.Amount of Analyst CoverageBread Financial has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock. Previous Next 3.0 Short Interest Percentage of Shares Shorted7.56% 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 12.89%, indicating that investor sentiment is improving significantly. Previous Next 2.5 Dividend Strength Dividend YieldBread Financial pays a meaningful dividend of 2.23%, 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 5.87%. 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 10.51% next year. This indicates that Bread Financial will be able to sustain or increase its 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 2.2 News and Social Media Coverage News SentimentBread Financial has a news sentiment score of 0.96. 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 higher news sentiment than the 0.62 average news sentiment score of Business Services companies.News Coverage This WeekMarketBeat has tracked 1 news article for Bread Financial this week, compared to 5 articles on an average week.Search InterestOnly 2 people have searched for BFH on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.MarketBeat FollowsOnly 3 people have added Bread Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -25% compared to the previous 30 days. Previous Next 2.5 Company Ownership Insider Buying vs. Insider SellingIn 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 $10,229,650.00 in company stock.Percentage Held by InsidersOnly 0.20% 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. Previous Next 4.4 Earnings and Valuation Earnings GrowthEarnings for Bread Financial are expected to grow by 10.97% in the coming year, from $7.20 to $7.99 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Bread Financial is 2.60, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 137.51.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 2.60, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 29.66.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 0.18. 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 0.63. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Previous Next See Top Rated MarketRank™ Stocks Here Ad Crypto Swap ProfitsGrab Your Free Bitcoin Today!And my special guest is willing to give you $10 in Bitcoin (BTC) if you take it seriously. Right now is a very important time to pay attention to what we are doing and what is happening. If you wait... it will be too late. This week we are holding several workshops and if you attend and pay attention my special guest is going to send you $10 in Bitcoin.>> Register right 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 HeadlinesMarch 15, 2024 | finance.yahoo.comThe past five years for Bread Financial Holdings (NYSE:BFH) investors has not been profitableMarch 15, 2024 | investing.comBread Financial reports increased net loss rate for FebruaryMarch 29, 2024 | WealthPress (Ad)A lot of people are making this costly mistakeYou may have heard the saying “options are risky” … And, they can be. But only if you use them the way a lot of folks do. A lot of people think of BUYING speculative options when they talk about options. And BUYING low probability, speculative options is definitely risky… It’s how some folks leverage large sums of money hoping that a stock moves in the “right” direction over a certain period of time. March 14, 2024 | markets.businessinsider.comAnalysts Offer Insights on Financial Companies: American Financial Group (AFG), Portman Ridge Finance (PTMN) and Bread Financial Holdings (BFH)March 14, 2024 | markets.businessinsider.comAnalysts Have Conflicting Sentiments on These Financial Companies: Palomar Holdings (PLMR), Chubb (CB) and Bread Financial Holdings (BFH)March 13, 2024 | finanznachrichten.deBread Financial Payments, Inc.: Bread Financial Provides Performance Update For February 2024March 13, 2024 | markets.businessinsider.comBread Financial Holdings: Hold Rating Justified by Mixed Loan Growth and Credit Quality MetricsMarch 13, 2024 | msn.comBread Financial's credit card delinquency rate dips, charge-offs rise in FebruaryMarch 29, 2024 | Crypto 101 Media (Ad)Altcoin FRENZY Alert…Bitcoin recently crossed the highest price in its 15-year history… Less than 2 years after one of the most vicious crypto market meltdowns we've ever seen! Bitcoin's BOOM also sent shockwaves through the altcoin market, with select coins seeing HUGE moves in a matter of days… Like Fetch.ai, that gained over 350% in just the last 30 days… March 13, 2024 | globenewswire.comBread Financial Provides Performance Update For February 2024February 29, 2024 | ca.finance.yahoo.comBFH Mar 2024 37.500 putFebruary 29, 2024 | ca.finance.yahoo.comBFH Dec 2024 30.000 putFebruary 29, 2024 | ca.finance.yahoo.comBFH Jun 2024 60.000 callFebruary 29, 2024 | finance.yahoo.comBFH Apr 2024 32.500 putFebruary 28, 2024 | globenewswire.comBread Financial™ to Participate in the 2024 RBC Capital Markets Financial Institutions Conference and the Wolfe FinTech Forum 2024February 26, 2024 | fool.com3 Stocks on My Radar as We Head Into MarchFebruary 23, 2024 | yahoo.com5 Reasons to Eat Whole Grain BreadFebruary 22, 2024 | finance.yahoo.comBFH Dec 2024 40.000 putFebruary 21, 2024 | msn.comBread Financial Holdings Inc’s New Regulation Risk – A Cause for Worry?February 21, 2024 | markets.businessinsider.comBread Financial Announces $30 Mln Share Repurchase ProgramFebruary 21, 2024 | finance.yahoo.comBread Financial™ Announces Approval of $30 Million Share Repurchase ProgramFebruary 21, 2024 | globenewswire.comBread Financial™ Announces Approval of $30 Million Share Repurchase ProgramFebruary 20, 2024 | finance.yahoo.comBFH Dec 2024 42.500 putFebruary 20, 2024 | finance.yahoo.comBFH Dec 2024 15.000 callFebruary 19, 2024 | msn.comProtein Bread for Weight Loss: "Here's the Recipe That Helped Me Drop 70 lbs at Age 69"February 17, 2024 | finance.yahoo.comBFH Mar 2024 55.000 callFebruary 17, 2024 | finance.yahoo.comBFH Mar 2024 60.000 callSee 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 Last Earnings1/25/2024Ex-Dividend for 3/15 Dividend2/08/2024Dividend Payable3/15/2024Today3/29/2024Next Earnings (Estimated)4/25/2024Fiscal Year End12/31/2024Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorFinancial Services Industry Credit Services 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$35.00 High Stock Price Target$52.00 Low Stock Price Target$25.00 Potential Upside/Downside-6.0%Consensus RatingReduce Rating Score (0-4)1.75 Research Coverage12 Analysts Profitability EPS (Most Recent Fiscal Year)$14.32 Trailing P/E Ratio2.60 Forward P/E Ratio5.17 P/E Growth0.18Net Income$718 million Net Margins13.87% Pretax Margin19.60% Return on Equity26.24% Return on Assets3.34% Debt Debt-to-Equity Ratio0.48 Current Ratio1.18 Quick Ratio1.18 Sales & Book Value Annual Sales$4.30 billion Price / Sales0.43 Cash Flow$19.81 per share Price / Cash Flow1.88 Book Value$59.15 per share Price / Book0.63Miscellaneous Outstanding Shares49,424,000Free Float49,325,000Market Cap$1.84 billion OptionableOptionable Beta1.94 7 AI Stocks to Invest In: An Introduction to AI Investing For Self-Directed InvestorsAs the AI market heats up, investors who have a vision for artificial intelligence have the potential to see real returns. Learn about the industry as a whole as well as seven companies that are getting work done with the power of AI.Get This Free Report Key ExecutivesMr. Ralph J. Andretta (Age 65)President, CEO & Director Comp: $3.85MMr. Perry S. Beberman (Age 57)Executive VP & CFO Comp: $1.85MMs. Tammy Michelle McConnaughey (Age 49)Executive Vice President of Operations & Credit Risk Comp: $1.85MMr. Joseph L. Motes III (Age 62)Executive VP, Chief Administrative Officer, General Counsel & Secretary Comp: $1.87MMs. Valerie E. Greer (Age 58)Executive VP & Chief Commercial Officer Comp: $1.9MMr. Jonathan Bryan Campbell (Age 50)Senior VP & Chief Accounting Officer Ms. Allegra S. DriscollExecutive VP & CTOMr. Brian VerebHead of Investor RelationsBrandy SullivanSenior VP, Chief People and Culture OfficerMr. Wes HuntSenior Vice President of Operational ExcellenceMore ExecutivesKey CompetitorsThe GEO GroupNYSE:GEOGaotu TecheduNYSE:GOTUNWTNNASDAQ:NWTNPayoneer GlobalNASDAQ:PAYOHuron Consulting GroupNASDAQ:HURNView All CompetitorsInsiders & InstitutionsQuadrature Capital LtdBought 611 shares on 3/25/2024Ownership: 0.053%PNC Financial Services Group Inc.Sold 450 shares on 3/22/2024Ownership: 0.032%HBK Investments L PSold 82,500 shares on 3/14/2024Ownership: 0.000%Vanguard Group Inc.Sold 80,494 shares on 3/11/2024Ownership: 11.395%Wellington Management Group LLPBought 152,954 shares on 3/5/2024Ownership: 4.264%View All Insider TransactionsView All Institutional Transactions BFH Stock Analysis - Frequently Asked Questions Should I buy or sell Bread Financial stock right now? 12 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for Bread Financial in the last year. There are currently 4 sell ratings, 7 hold ratings and 1 buy rating for the stock. The consensus among Wall Street equities research 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 brokers have issued 12 month target prices for Bread Financial's shares. Their BFH share price targets range from $25.00 to $52.00. On average, they predict the company's share price to reach $35.00 in the next twelve months. This suggests that the stock has a possible downside of 6.0%. 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 beginning of the year. Since then, BFH stock has increased by 13.1% and is now trading at $37.24. View the best growth stocks for 2024 here. Are investors shorting Bread Financial? Bread Financial saw a drop in short interest during the month of March. As of March 15th, there was short interest totaling 3,650,000 shares, a drop 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. Approximately 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 were Bread Financial's earnings last quarter? Bread Financial Holdings, Inc. (NYSE:BFH) released its quarterly earnings results on Thursday, January, 25th. The company reported $0.90 EPS for the quarter, topping analysts' consensus estimates of ($0.67) by $1.57. The company earned $1,000 million during the quarter, compared to analysts' expectations of $984.36 million. Bread Financial had a net margin of 13.87% and a trailing twelve-month return on equity of 26.24%. The business's quarterly revenue was down 3.2% compared to the same quarter last year. During the same quarter in the prior year, the firm posted ($2.68) earnings per share. How often does Bread Financial pay dividends? What is the dividend yield for Bread Financial? Bread Financial declared a quarterly dividend on Thursday, January 25th. Stockholders of record on Friday, February 9th will be paid a dividend of $0.21 per share on Friday, March 15th. This represents a $0.84 annualized dividend and a yield of 2.26%. The ex-dividend date 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 2.23%. 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 10.51% 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 Amplify Mobile Payments ETF (IPAY), Royce Quant Small-Cap Quality Value ETF (SQLV), First Trust Small Cap Value AlphaDEX Fund (FYT), Invesco S&P SmallCap Financials ETF (PSCF), Invesco S&P SmallCap 600 Revenue ETF (RWJ) 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 a number of institutional and retail investors. Top institutional investors include Vanguard Group Inc. (11.42%), Vanguard Group Inc. (11.39%), Dimensional Fund Advisors LP (6.08%), Wellington Management Group LLP (4.26%), Hsbc Holdings PLC (3.27%) and Lyrical Asset Management LP (2.90%). 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 3/29/2024 by MarketBeat.com Staff From Our PartnersTrump’s “Tax Free” Retirement Strategy Gold Safe ExchangeDid You Get Your Free Bitcoin Yet?Crypto Swap ProfitsMake This $3 Trade the Instant the Opening Bell RingsMonument Traders AllianceTop Project Outperforms BTC in 2023…Crypto 101 MediaOnly a fool would buy Nvidia today… Porter & CompanyForget Bitcoin. 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