Lowest-Rated StocksLowest-RatedNYSE:BFH Bread Financial (BFH) Stock Price, News & Analysis → Biden replacement revealed? (From Paradigm Press) (Ad) Free BFH Stock Alerts $35.55 -0.30 (-0.84%) (As of 04/24/2024 ET) Add Compare Share Share Today's Range$34.76▼$35.8350-Day Range$32.23▼$40.1652-Week Range$23.19▼$41.89Volume942,360 shsAverage Volume790,919 shsMarket Capitalization$1.76 billionP/E Ratio2.48Dividend Yield2.36%Price Target$36.55 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 RatingReduce1.83 Rating ScoreUpside/Downside2.8% Upside$36.55 Price TargetShort InterestBearish7.35% of Float Sold ShortDividend StrengthModerateBased on Four FactorsSustainabilityN/ANews Sentiment-0.11Based on 11 Articles This WeekInsider TradingSelling Shares$3.60 M Sold Last QuarterProj. Earnings Growth4.85%From $6.80 to $7.13 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.3.26 out of 5 starsBusiness Services Sector119th out of 306 stocksPersonal Credit Institutions Industry9th 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 1.83, and is based on 2 buy ratings, 6 hold ratings, and 4 sell ratings.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 2.0 Short Interest Percentage of Shares Shorted7.35% 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 4.4.Change versus previous monthShort interest in Bread Financial has recently decreased by 2.74%, indicating that investor sentiment is improving. Previous Next 2.5 Dividend Strength Dividend YieldBread Financial pays a meaningful dividend of 2.45%, 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 11.78% 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 1.6 News and Social Media Coverage News SentimentBread 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 0.44 average news sentiment score of Business Services companies.News Coverage This WeekMarketBeat has tracked 11 news articles for Bread Financial this week, compared to 5 articles on an average week.Search Interest6 people have searched for BFH on MarketBeat in the last 30 days. This is an increase of 100% 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 $3,595,650.00 in 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. Previous Next 3.8 Earnings and Valuation Earnings GrowthEarnings for Bread Financial are expected to grow by 4.85% in the coming year, from $6.80 to $7.13 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Bread Financial is 2.48, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 146.61.Price to Earnings Ratio vs. SectorThe P/E ratio of Bread Financial is 2.48, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 37.54.Price to Earnings Growth RatioBread Financial has a PEG Ratio of 0.13. 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 0.60. 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 ProfitsDid You Get Your Free Bitcoin Yet?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 HeadlinesApril 21, 2024 | americanbankingnews.comBread Financial (NYSE:BFH) Shares Up 3.8%April 19, 2024 | americanbankingnews.comBread Financial Holdings, Inc. (NYSE:BFH) to Post FY2024 Earnings of $5.35 Per Share, Seaport Res Ptn ForecastsApril 24, 2024 | Banyan Hill Publishing (Ad)The Best AI Stock to Own in the World Today is Trading for Just $25“Titan of Tech” Bets Big on Tiny AI Company He’s made as much as 3,250,000% in just three years on companies like Facebook, Airbnb, and PayPal… But our research shows his latest investment could be his most successful venture yet.April 18, 2024 | americanbankingnews.comBread Financial (BFH) Scheduled to Post Earnings on ThursdayApril 18, 2024 | americanbankingnews.comBread Financial Holdings, Inc. to Post Q1 2024 Earnings of $2.99 Per Share, Seaport Res Ptn Forecasts (NYSE:BFH)April 16, 2024 | morningstar.comBread Financial Holdings IncApril 16, 2024 | americanbankingnews.comOaktree Specialty Lending (NASDAQ:OCSL) & Bread Financial (NYSE:BFH) Head-To-Head AnalysisApril 13, 2024 | msn.com8 Bread Brands You Absolutely Must TryApril 24, 2024 | Banyan Hill Publishing (Ad)The Best AI Stock to Own in the World Today is Trading for Just $25“Titan of Tech” Bets Big on Tiny AI Company He’s made as much as 3,250,000% in just three years on companies like Facebook, Airbnb, and PayPal… But our research shows his latest investment could be his most successful venture yet.April 9, 2024 | globenewswire.comBread Financial(TM) Schedules First Quarter 2024 Earnings Conference Call for April 25April 4, 2024 | markets.businessinsider.comBuy Rating Affirmed for Bread Financial Holdings Amidst Positive Credit Outlook and Strategic AdaptabilityApril 4, 2024 | msn.comBringing to life ‘community of women breadwinners’, starting with breadMarch 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 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 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 BreadSee 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 Payable3/15/2024Today4/24/2024Next Earnings (Confirmed)4/25/2024Fiscal 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$36.55 High Stock Price Target$52.00 Low Stock Price Target$25.00 Potential Upside/Downside+2.8%Consensus RatingReduce Rating Score (0-4)1.83 Research Coverage12 Analysts Profitability EPS (Most Recent Fiscal Year)$14.32 Trailing P/E Ratio2.48 Forward P/E Ratio5.23 P/E Growth0.13Net 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$5.17 billion Price / Sales0.34 Cash Flow$20.43 per share Price / Cash Flow1.74 Book Value$59.15 per share Price / Book0.60Miscellaneous Outstanding Shares49,420,000Free Float49,118,000Market Cap$1.76 billion OptionableOptionable Beta1.93 10 "Recession Proof" Stocks That Will Thrive in Any MarketWhich stocks are likely to thrive in today's challenging market? Click the link below and we'll send you MarketBeat's list of ten stocks that will drive in any economic environment.Get This Free Report Key ExecutivesMr. Ralph J. Andretta (Age 65)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 CompetitorsGaotu TecheduNYSE:GOTUHuron Consulting GroupNASDAQ:HURNThe GEO GroupNYSE:GEOCourseraNYSE:COURPayoneer GlobalNASDAQ:PAYOView All CompetitorsInsiders & InstitutionsLouisiana State Employees Retirement SystemSold 300 shares on 4/23/2024Ownership: 0.049%New Mexico Educational Retirement BoardBought 10,300 shares on 4/23/2024Ownership: 0.021%Denali Advisors LLCSold 38,228 shares on 4/19/2024Ownership: 0.233%Allspring Global Investments Holdings LLCBought 3,529 shares on 4/18/2024Ownership: 0.015%Thompson Investment Management Inc.Sold 453 shares on 4/15/2024Ownership: 0.538%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 research 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 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 1-year price targets for Bread Financial's shares. Their BFH share price targets range from $25.00 to $52.00. On average, they predict the company's stock price to reach $36.55 in the next year. This suggests a possible upside of 2.8% 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 beginning of the year. Since then, BFH stock has increased by 7.9% and is now trading at $35.55. View the best growth stocks for 2024 here. Are investors shorting Bread Financial? Bread Financial saw a decrease in short interest during the month of March. As of March 15th, there was short interest totaling 3,650,000 shares, a decrease of 12.9% from the February 29th total of 4,190,000 shares. Based on an average daily trading volume, of 796,100 shares, the days-to-cover ratio is currently 4.6 days. Approximately 7.6% of the shares of the stock 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) posted its earnings results on Thursday, January, 25th. The company reported $0.90 EPS for the quarter, beating the consensus estimate of ($0.67) by $1.57. The company had revenue of $1,000 million for 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 revenue for the quarter was down 3.2% on a year-over-year basis. During the same quarter in the prior year, the firm posted ($2.68) EPS. 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. Shareholders 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 dividend on an annualized basis and a yield of 2.36%. 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 2.45%. 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 11.78% 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), Inspire Fidelis Multi Factor ETF (FDLS), Royce Quant Small-Cap Quality Value ETF (SQLV), First Trust Small Cap Value AlphaDEX Fund (FYT) and EA Bridgeway Omni Small-Cap Value ETF (BSVO).WisdomTree U.S. SmallCap Fund (EES). Who are Bread Financial's major shareholders? Bread Financial's stock is owned by a variety of retail and institutional investors. Top institutional investors include Thompson Investment Management Inc. (0.54%), Denali Advisors LLC (0.23%), Louisiana State Employees Retirement System (0.05%), Los Angeles Capital Management LLC (0.03%), New Mexico Educational Retirement Board (0.02%) and DGS Capital Management LLC (0.02%). 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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