Bread Financial Holdings Inc Share Price

NYSE: BFH

Mid Cap

$63.17

-0.76

(-1.19%)

as on September 13, 2025 at 1:29 am IST

$₹

Bread Financial Holdings Inc Stock Performance

as on September 13, 2025 at 1:29 am IST

Day's Low
Day's High
$62.57
Day's Price Range
$63.48
$63.17
0.95%
Downside
0.49%
Upside
52 Week's Low
52 Week's High
$38.21
52-Week Price Range
$68.01
$63.17
39.51%
Downside
7.66%
Upside

Bread Financial Holdings Inc share price movements today

Previous Close: $63.93
Open: $63.48
Volume: 390.3K
Day's Low - High: $62.57 - $63.48
52 Week Low - High: $38.21 - $68.01

Bread Financial Holdings Inc Historical Returns

1 Month Return: + 3.46 %
3 Month Return: + 24.57 %
1 Year Return: + 31.35 %
3 Year Return: + 72.25 %
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

$3.0B

EPS (TTM)

8.2378

Dividend Yield

1.42%

Quarterly Earnings Growth YOY

0.11%

PE Ratio (TTM)

10.74

Industry PE ratio

13.037432432432432

P/B Ratio

10.7445

PEG Ratio

1.6863

EBITDA

682.0M

Revenue (TTM)

2.5B

Profit Margin

11.62%

Return On Equity TTM

9.15%

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 (10.74x)

September 13, 2025

Industry (13.04x)

September 13, 2025

Highest (8.08x)

December 31, 2022

LowHigh

Today’s Price to Earnings Ratio: 10.74x

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 Ratio	Profit Margin %
Bread Financial Holdings Inc	HOLD	$3.0B	NA	10.74	11.62%
Capital One Financial Corporation	HOLD	$143.1B	215.76%	621.56	0.00%
American Express Co.	BUY	$226.4B	218.61%	22.83	15.99%
Mastercard Inc.	BUY	$524.7B	78.32%	39.06	44.93%
Visa, Inc.	BUY	$658.8B	69.14%	33.12	52.16%

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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 Return is the profit earned when the US dollar rises in value compared to the Indian rupee.

Investment Value

₹1,00,000

Bread Financial Holdings Inc investment value today

Current value as on today

₹1,36,470

Returns

₹36,470

(+36.47%)

Returns from Bread Financial Holdings Inc Stock

₹31,331 (+31.33%)

Dollar Returns*

₹5,139 (+5.14%)

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 $69.4

Bread Financial Holdings Inc Share Price Target

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

What analysts predicted

8.98%UPSIDE

Target Price

$69.4

Current Price

$63.17

Analyzed by

23 Analysts

Target

$69.40

Bread Financial Holdings Inc target price $69.4, a slight upside of 8.98% compared to current price of $63.17. According to 23 analysts rating.

Bread Financial Holdings Inc Stock's Interest Amongst Investors

Search interest for Bread Financial Holdings Inc Stock has increased by 75% in the last 30 days, reflecting an upward trend in search activity.

Time period: August 15, 2025 to September 14, 2025

Change:75% versus previous 30 day period

Bread Financial Holdings Inc Quarterly Profit & Loss

All numbers in Millions USD

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
Total Revenue	1,289	1,157	1,250	1,255	1,239	1,180	1,223	1,156	1,195	1,146
Gross Profit	1,335	616	727	535	670	649	614	508	674	1,018
Operating Income	856	86	225	18	188	180	40	-27	197	174
EBITDA	890	121	248	42	211	203	62	-5	218	174
Interest Expense	218	205	219	238	248	241	240	231	225	217
Depreciation	34	35	23	24	23	23	22	22	21	21
Income Before Tax	638	86	225	18	188	180	40	-27	197	174
Income Tax Expense	183	22	52	-26	53	47	37	-34	55	35
Net Income	455	48	171	43	134	133	2	7	138	139
Net Profit Margin	35.30%	4.15%	13.68%	3.43%	10.82%	11.27%	0.16%	0.61%	11.55%	12.13%

Bread Financial Holdings Inc Annual Profit & Loss

All numbers in Millions USD

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Revenue	6,439	7,138	5,474	5,666	3,348	3,298	3,270	3,826	4,289	3,838
Gross Profit	2,295	2,432	2,549	2,587	2,324	1,950	2,062	2,232	3,060	2,441
Operating Income	1,261	1,265	1,517	1,757	1,307	888	1,044	802	1,593	279
EBITDA	1,488	1,349	1,560	1,702	994	549	1,167	915	1,084	1,431
Interest Expense	179	218	173	156	638	499	383	503	879	960
Depreciation	-	-	-	487	249	183	123	113	116	90
Income Before Tax	931	837	1,062	1,215	662	301	1,044	300	968	381
Income Tax Expense	326	319	293	269	156	93	247	76	231	102
Net Income	596	515	788	963	278	214	801	223	718	277
Net Profit Margin	9.26%	7.23%	14.41%	17.00%	8.30%	6.49%	24.50%	5.83%	16.74%	7.22%

Bread Financial Holdings Inc Quarterly Cash Flow

All numbers in Millions USD

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
Net Income	48	172	43	135	133	2	7	138	276
Operating Cash Flow	343	629	617	447	477	456	479	393	919
Investing Cash Flow	-281	2,579	-1,791	720	31	-569	-1,351	691	470
Financing Cash Flow	-343	-304	1,395	-975	-244	-488	1,115	-562	-1,285
Change in Cash	-281	44	221	192	264	-601	243	522	104

Bread Financial Holdings Inc Annual Cash Flow

All numbers in Millions USD

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Income	517	788	963	310	213	801	223	718	277
Operating Cash Flow	2,088	2,609	2,754	1,217	1,882	1,543	1,848	1,987	1,859
Investing Cash Flow	-4,063	-4,288	-1,872	2,861	1,774	-1,691	-5,111	788	-1,169
Financing Cash Flow	2,663	4,004	-1,217	-4,091	-4,166	608	3,267	-3,086	-592
Change in Cash	691	2,330	-347	-9	-494	460	4	-311	98

Global Institutional Holdings in Bread Financial Holdings Inc

Funds	Holdings
Vanguard Group Inc	11.85%
BlackRock Inc	10.32%
Turtle Creek Asset Management Inc.	8.59%
Dimensional Fund Advisors, Inc.	6.63%
State Street Corp	4.25%

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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.

POSITIVE IMPACT
Profit Spike
Netprofit is up for the last 4 quarters, 2.0M → 139.0M (in $), with an average increase of 55.7% per quarter
NO EFFECT
Against Peers
In the last 1 year, Capital One Financial Corporation has given 61.0% return, outperforming this stock by 29.6%
NO EFFECT
Against Peers
In the last 3 years, Capital One Financial Corporation has given 122.3% return, outperforming this stock by 46.7%
NEGATIVE IMPACT
Revenue Fall
Revenue is down for the last 2 quarters, 1.19B → 1.14B (in $), with an average decrease of 4.1% per quarter
NEGATIVE IMPACT
Price Dip
In the last 7 days, BFH stock has moved down by -4.6%

About Bread Financial Holdings Inc

alliance data® and its businesses comprise n. america’s largest, most comprehensive provider of transaction-based, data-driven marketing and loyalty solutions, driving business growth and profitability for some of today’s most recognizable brands. alliance data retail services is the second-largest u.s. provider of marketing-driven private label and co-brand credit programs designed to increase consumer spend and loyalty. across multiple touch points, like traditional, digital, mobile and other emerging technologies, alliance data retail helps its clients—such as hsn, j. crew, the buckle, and 90 others—create and increase customer loyalty through solutions that engage its nearly 25 million cardholders each day. epsilon® , a leading provider of multi-channel, data-driven technologies and marketing services, manages solutions such as permission-based email marketing, database management, advanced analytics, and strategic consulting and creative services to more than 2,000 global clients.

Organisation	Bread Financial Holdings Inc
Headquarters	3095 Loyalty Circle, Columbus, OH, United States, 43219
Industry	Financial
CEO	Mr. Ralph J. Andretta
E-voting on shares	Click here to vote

Key Management of Bread Financial Holdings Inc

Name	Title
Mr. Jonathan Bryan Campbell	Senior VP & Chief Accounting Officer
Mr. Brian Vereb	Head of Investor Relations
Mr. Wes Hunt	Senior Vice President of Operational Excellence
Mr. Perry S. Beberman	Executive VP & CFO
Mr. Joseph L. Motes III	Executive VP, Chief Administrative Officer, General Counsel & Secretary
Ms. Tammy Michelle McConnaughey	Executive VP and Chief Credit Risk & Operations Officer
Brandy Sullivan	Senior VP, Chief People and Culture Officer
Mr. Ralph J. Andretta	President, CEO & Director
Ms. Allegra S. Driscoll	Executive VP & CTO
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 $63.17 as on September 13, 2025 at 1:29 am IST at the close of the market. Bread Financial Holdings Inc share today touched a day high of $63.48 and a low of $62.57.

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 $68.01 on September 5, 2025 and a 52 week low of $38.21 on April 7, 2025. Bread Financial Holdings Inc stock price today i.e. September 13, 2025 at 1:29 am IST is closed at $63.17,which is 7.12% down from its 52 week high and 65.32% 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 September 13, 2025 at 1:29 am IST.

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

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 .
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 0.0237 shares as per Bread Financial Holdings Inc share price of $63.17 per share as on September 13, 2025 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 ₹88.27 or $1 (as of September 14, 2025 at 7:38 am IST) using the INDmoney app.
For example: If you want to invest $10 or ₹882.70 in Bread Financial Holdings Inc stock (as per the Rupee-Dollar exchange rate as on September 14, 2025 at 7:38 am IST). Based on Bread Financial Holdings Inc share’s latest price of $63.17 as on September 13, 2025 at 1:29 am IST, you will get 0.1583 shares of Bread Financial Holdings Inc. Learn more about fractional shares .