Bread Financial Holdings, Inc. share price logo

Bread Financial Holdings, Inc.

NYSE: BFH

Mid Cap

$85.06

+1.50

(+1.80%)

as on

Bread Financial Holdings, Inc. Stock Performance

as on May 6, 2026 at 6:59 am IST

  • Day's Low

    Day's High

    $82.47
    $85.63
    downward going graph

    3.04%

    Downside

    0.67%

    Upside

    downward going graph
  • 52 Week's Low

    52 Week's High

    $47.87
    $99.13
    downward going graph

    43.72%

    Downside

    16.54%

    Upside

    downward going graph

Bread Financial Holdings, Inc. share price movements today

Previous Close
$83.56
Open
$83.06
Volume
450.0K
Day's Low - High
$82.47 - $85.63
52 Week Low - High
$47.87 - $99.13

Bread Financial Holdings, Inc. Historical Returns

1 Month Return
+ 11.16 %
3 Month Return
+ 5.07 %
1 Year Return
+ 72 %
3 Year Return
+ 235.04 %
5 Year Return
0 %

Bread Financial Holdings, Inc. Stock Fundamentals & Key Indicators

Check Bread Financial Holdings, Inc. market cap, PE, PB, PEG ratios, dividend yield, and other key fundamental indicators.

Market Cap

$3.4B

EPS (TTM)

11.296

Dividend Yield

0.00%

Quarterly Earnings Growth YOY

0.49%

PE Ratio (TTM)

6.97

Industry PE ratio

15.01909090909091

PEG Ratio

0.6106

EBITDA

682.0M

Revenue (TTM)

2.6B

Profit Margin

21.22%

Return On Equity TTM

17.52%

Bread Financial Holdings, Inc. Stock Valuation

Track how Bread Financial Holdings, Inc. P/E has moved over time to understand its valuation trends.

Bread Financial Holdings, Inc. in the last 5 years

  • Overview

  • Trends

Lowest (2.03x)

December 31, 2023

Today (6.97x)

May 6, 2026

Industry (15.02x)

May 6, 2026

Highest (8.08x)

December 31, 2022

LowHigh

Today’s Price to Earnings Ratio: 6.97x

Bread Financial Holdings, Inc. vs Peer Comparison

Compare market cap, revenue, PE, and other key metrics of Bread Financial Holdings, Inc. with its industry peers.

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %
HOLD$3.4BNA6.9721.22%
HOLD$120.4B21.4%59.178.88%
BUY$217.8B103.47%19.9616.31%
BUY$623.8B41.3%28.5751.68%
BUY$446.0B34.43%28.6545.88%

Stock Returns calculator for Bread Financial Holdings, Inc. Stock including INR - Dollar returns

The Bread Financial Holdings, Inc. stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Impact: The bonus return you make when the US Dollar rises against the Rupee; calculated on the full amount you walk away with, not just what you invested in.

Investment Value

₹1,00,000

  • 1Y

  • 3Y

Bread Financial Holdings, Inc. investment value today

Current value as on today

₹1,97,911

Returns

₹97,911

(+97.91%)

Returns from Bread Financial Holdings, Inc. Stock

₹75,093 (+75.09%)

Dollar Impact

₹22,819 (+22.82%)

Analyst Recommendation on Bread Financial Holdings, Inc. Stock

Based on 23 analysts

HOLD

13.04%

Buy

47.83%

Hold

39.13%

Sell

Based on 23 analysts, 47.83% of analysts recommend a 'HOLD' rating for Bread Financial Holdings, Inc.. Average target price of $95.67

Bread Financial Holdings, Inc. Share Price Target

Get share price movements and forecasts by analysts on Bread Financial Holdings, Inc..

What analysts predicted

11.09%UPSIDE

Target Price

$95.67

Current Price

$85.06

Analyzed by

23 Analysts

Target

$95.67

Bread Financial Holdings, Inc. target price $95.67, a slight upside of 11.09% compared to current price of $85.06. According to 23 analysts rating.

Bread Financial Holdings, Inc. Stock’s Investor Sentiment and Interest

Search interest for Bread Financial Holdings, Inc. Stock has increased by 97% in the last 30 days, reflecting an upward trend in search activity.

Time period: to

Change:97% versus previous 30 day period

Bread Financial Holdings, Inc. Quarterly Profit & Loss

All numbers in Millions USD

Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Total Revenue
1,255
1,239
1,180
1,223
1,156
1,195
1,149
1,181
1,174
1,211
Gross Profit
535
670
649
614
508
674
655
672
975
715
Operating Income
18
188
180
40
-27
197
174
196
47
243
EBITDA
42
211
203
62
-5
218
195
215
66
243
Interest Expense
238
248
241
240
231
225
220
210
199
193
Depreciation
24
23
23
22
22
21
21
19
19
19
Income Before Tax
18
188
180
40
-27
197
174
196
47
243
Income Tax Expense
-26
53
47
37
-34
55
35
8
-6
62
Net Income
43
134
133
2
7
138
139
188
53
181
Net Profit Margin
3.43%
10.82%
11.27%
0.16%
0.61%
11.55%
12.10%
15.92%
4.51%
14.95%

Bread Financial Holdings, Inc. Annual Profit & Loss

All numbers in Millions USD

Dec 2016
Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Total Revenue
7,138
5,474
5,666
3,348
3,298
3,270
3,826
4,289
3,838
4,699
Gross Profit
2,432
2,549
2,587
2,324
1,950
2,062
2,232
3,060
2,441
2,976
Operating Income
1,265
1,517
1,757
1,307
888
1,044
802
1,593
279
614
EBITDA
1,349
1,560
1,702
994
549
1,167
915
1,084
1,431
694
Interest Expense
218
173
156
638
499
383
503
879
960
854
Depreciation
-
-
487
249
183
123
113
116
90
80
Income Before Tax
837
1,062
1,215
662
301
1,044
300
968
381
614
Income Tax Expense
319
293
269
156
93
247
76
231
102
92
Net Income
515
788
963
278
214
801
223
718
277
518
Net Profit Margin
7.23%
14.41%
17.00%
8.30%
6.49%
24.50%
5.83%
16.74%
7.22%
11.02%

Bread Financial Holdings, Inc. Quarterly Cash Flow

All numbers in Millions USD

Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Net Income
134
134
2
7
138
138
188
54
0
Operating Cash Flow
447
477
456
479
393
526
605
568
0
Investing Cash Flow
720
31
-569
-1,351
691
-221
-338
-1,503
0
Financing Cash Flow
-975
-244
-488
1,115
-562
-723
-306
784
0
Change in Cash
192
264
-601
243
522
-418
-39
-151
0

Bread Financial Holdings, Inc. Annual Cash Flow

All numbers in Millions USD

Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Net Income
788
963
310
213
801
223
718
277
518
Operating Cash Flow
2,609
2,754
1,217
1,882
1,543
1,848
1,987
1,859
2,092
Investing Cash Flow
-4,288
-1,872
2,861
1,774
-1,691
-5,111
788
-1,169
-1,371
Financing Cash Flow
4,004
-1,217
-4,091
-4,166
608
3,267
-3,086
-592
-807
Change in Cash
2,330
-347
-9
-494
460
4
-311
98
-86

Global Institutional Holdings in Bread Financial Holdings, Inc.

Funds
Holdings
Vanguard Group Inc
12.66%
BlackRock Inc
10.94%
State Street Corp
4.48%
Victory Capital Management Inc.
1.91%
Delaware Management Holdings Inc
1.78%

Bread Financial Holdings, Inc. News & Key Events

  • img

    Today's Timeline - 15 December

    Mon, 08:26 PM

    -

    Bread Financial enhances mobile payments with Bread Pay, integrating buy now, pay later options for merchants and consumers.

    Mon, 10:10 PM

    -

    Bread Financial Holdings has a Zacks Rank of #2 (Buy) with strong valuation metrics including a forward P/E ratio of 7.32.

Insights on Bread Financial Holdings, Inc.

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

  • imgPOSITIVE IMPACT

    Price Rise

    img

    In the last 3 years, BFH stock has moved up by 235.0%

  • imgPOSITIVE IMPACT

    Best in 1 Year

    img

    In the last 1 year, BFH has outperformed top 5 stocks with highest market-cap in its industry

  • imgPOSITIVE IMPACT

    Profit Spike

    img

    Netprofit is up for the last 2 quarters, 53.0M → 181.0M (in $), with an average increase of 70.7% per quarter

  • imgPOSITIVE IMPACT

    Revenue Rich

    img

    Revenue is up for the last 2 quarters, 1.17B → 1.21B (in $), with an average increase of 3.1% per quarter

  • imgPOSITIVE IMPACT

    Best in 3 Years

    img

    In the last 3 years, BFH has outperformed top 5 stocks with highest market-cap in its industry

About Bread Financial Holdings, Inc.

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, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. 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 Pay, 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. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings 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.
OrganisationBread Financial Holdings, Inc.
Headquarters3095 Loyalty Circle, Columbus, OH, United States, 43219
IndustryCredit Services
CEOMr. Ralph J. Andretta
E-voting on sharesClick here to vote

Key Management of Bread Financial Holdings, Inc.

Name

Title

Brandy Sullivan

Senior VP and Chief People & Culture Officer

Mr. Wes Hunt

Senior Vice President of Operational Excellence

Mr. Perry S. Beberman

Executive VP & CFO

Ms. Allegra S. Driscoll

Executive VP & CTO

Ms. Tammy Michelle McConnaughey

Executive VP and Chief Credit Risk & Operations Officer

Mr. Jonathan Bryan Campbell

Senior VP & Chief Accounting Officer

Mr. Brian Vereb

Head of Investor Relations

Mr. Ralph J. Andretta

President, CEO & Director

Mr. Joseph L. Motes III

Executive VP, Chief Legal & Administrative Officer and Secretary

Ms. Valerie E. Greer

Executive VP & Chief Commercial Officer

FAQs

What is Bread Financial Holdings, Inc. share price today?

Bread Financial Holdings, Inc. share price today is $85.06 as on at the close of the market. Bread Financial Holdings, Inc. share today touched a day high of $85.63 and a low of $82.47.

What is the 52 week high and 52 week low for Bread Financial Holdings, Inc. share?

Bread Financial Holdings, Inc. share touched a 52 week high of $99.13 on and a 52 week low of $47.87 on . Bread Financial Holdings, Inc. stock price today i.e. is closed at $85.06,which is 14.19% down from its 52 week high and 77.69% up from its 52 week low.

What is Bread Financial Holdings, Inc.'s market capitalisation today?

Bread Financial Holdings, Inc. market capitalisation is $0.00T as on .

How to invest in Bread Financial Holdings, Inc. Stock (BFH) from India?

  1. Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
  2. Step 2: Search for Bread Financial Holdings, Inc. on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Bread Financial Holdings, Inc. Shares that will get you 0.0176 shares as per Bread Financial Holdings, Inc. share price of $85.06 per share as on May 6, 2026 at 1:29 am IST.

What is the minimum amount required to buy Bread Financial Holdings, Inc. Stock (BFH) from India?

Indian investors can start investing in Bread Financial Holdings, Inc. (BFH) shares with as little as ₹95.28 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹952.80 in Bread Financial Holdings, Inc. stock (as per the Rupee-Dollar exchange rate as on ). Based on Bread Financial Holdings, Inc. share’s latest price of $85.06 as on May 6, 2026 at 1:29 am IST, you will get 0.1176 shares of Bread Financial Holdings, Inc.. Learn more about fractional shares .