Bread Financial Holdings share price logo

Bread Financial Holdings

NYSE: BFH

Mid Cap

$103.41

-2.25

(-2.13%)

as on

Bread Financial Holdings Stock Performance

as on October 31, 2026 at 2:15 pm IST

  • Day's Low

    Day's High

    $101.72
    $104.83
    downward going graph

    1.63%

    Downside

    1.37%

    Upside

    downward going graph
  • 52 Week's Low

    52 Week's High

    $59.26
    $114.53
    downward going graph

    42.69%

    Downside

    10.75%

    Upside

    downward going graph

Bread Financial Holdings share price movements today

Previous Close
$105.66
Open
$103.61
Volume
415.1K
Market Cap
$3.9B
Dividend Yield
0.90%
Day's Low - High
$101.72 - $104.83
52 Week Low - High
$59.26 - $114.53

Bread Financial Holdings Historical Returns

1 Month Return
+ 1.34 %
3 Month Return
-4.8 %
1 Year Return
+ 58.01 %
3 Year Return
+ 283.3 %
5 Year Return
0 %

Bread Financial Holdings Stock Fundamentals & Key Indicators

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

Market Cap

$3.9B

EPS (TTM)

12.89

Dividend Yield

0.90%

Quarterly Earnings Growth YOY

-0.04%

PE Ratio (TTM)

7.89

Industry PE ratio

5.80

PEG Ratio

0.27

EBITDA

752.0M

Revenue (TTM)

4.8B

Profit Margin

64.02%

Return On Equity TTM

15.94%

Bread Financial Holdings vs Peer Comparison

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

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %Dividend Yield %
Buy$3.9BNA7.8964.02%0.90%
Buy$213.2B86.28%17.8885.21%1.15%
StrongBuy$123.2B38.21%12.0966.60%1.56%
StrongBuy$757.8B93.86%32.4680.39%0.67%
StrongBuy$534.6B89.47%33.52100.00%0.57%

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

The Bread Financial Holdings 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 investment value today

Current value as on today

₹1,70,414

Returns

₹70,414

(+70.41%)

Returns from Bread Financial Holdings Stock

₹59,239 (+59.24%)

Dollar Impact

₹11,175 (+11.18%)

Analyst Recommendation on Bread Financial Holdings Stock

Based on 8 analysts

BUY

62.50%

Buy

37.50%

Hold

0.00%

Sell

Based on 8 analysts, 62.5% of analysts recommend a 'BUY' rating for Bread Financial Holdings. Average target price of $115.25

Bread Financial Holdings Share Price Target

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

What analysts predicted

10.27%UPSIDE

Target Price

$115.25

Current Price

$103.41

Analyzed by

8 Analysts

High

$130

Target

$115.25

Low

$113

Bread Financial Holdings target price $115.25, a slight upside of 10.27% compared to current price of $103.41. According to 8 analysts rating.

Indian Investors' Interest in Bread Financial Holdings Stock

Search interest for Bread Financial Holdings Stock has decreased by -14% in the last 30 days, reflecting a downward trend in search activity.

Time period: to

Change:-14% versus previous 30 day period

Bread Financial Holdings Quarterly Profit & Loss

All numbers in Millions USD

Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Sep 2026
Total Revenue
1,180
1,223
1,156
1,195
1,149
1,181
1,174
1,211
1,188
1,216
Gross Profit
649
614
508
674
655
672
975
715
680
696
Operating Income
180
40
-27
197
174
196
47
243
197
209
EBITDA
203
62
-5
218
195
215
66
262
215
209
Interest Expense
241
240
231
225
220
210
199
193
195
199
Depreciation
23
22
22
21
21
19
19
19
18
-
Income Before Tax
180
40
-27
197
174
196
47
243
197
209
Income Tax Expense
47
37
-34
55
35
8
-6
62
51
53
Net Income
133
2
7
138
139
188
53
181
146
156
Net Profit Margin
55.00%
50.20%
43.94%
56.40%
57.01%
56.90%
83.05%
59.04%
57.24%
57.24%

Bread Financial Holdings Annual Profit & Loss

All numbers in Millions USD

Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Total Revenue
5,474
5,666
3,348
3,298
3,270
4,373
5,174
4,798
4,699
Gross Profit
2,549
2,587
2,324
1,950
1,677
2,276
3,066
2,441
2,976
Operating Income
1,517
1,757
1,307
888
1,044
300
968
381
614
EBITDA
1,560
1,702
994
549
1,167
413
1,084
471
694
Interest Expense
173
156
638
499
383
503
879
960
854
Depreciation
497
487
249
184
123
113
116
90
80
Income Before Tax
1,062
1,215
662
301
1,044
300
968
381
614
Income Tax Expense
293
269
156
93
247
76
231
102
92
Net Income
788
963
278
214
801
223
718
277
518
Net Profit Margin
46.57%
45.66%
69.43%
59.13%
63.06%
52.05%
59.26%
50.88%
63.33%

Bread Financial Holdings Quarterly Cash Flow

All numbers in Millions USD

Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Sep 2026
Net Income
134
2
7
138
138
188
54
181
147
155
Operating Cash Flow
477
456
479
393
526
605
568
487
533
601
Investing Cash Flow
31
-569
-1,351
691
-221
-338
-1,503
317
-672
-673
Financing Cash Flow
-244
-488
1,115
-562
-723
-306
784
-475
-59
519
Change in Cash
264
-601
243
522
-418
-39
-151
329
-198
447

Bread Financial Holdings 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
214
801
223
718
277
518
Operating Cash Flow
2,609
2,754
1,217
1,883
1,543
1,848
1,987
1,859
2,092
Investing Cash Flow
-4,288
-1,872
2,860
1,774
-1,691
-5,111
788
-1,169
-1,371
Financing Cash Flow
4,004
-1,217
-4,091
-4,167
608
3,267
-3,086
-592
-807
Change in Cash
2,330
-347
-9
-495
460
4
-311
98
-86

Global Institutional Holdings in Bread Financial Holdings

Check out the Institutions with significant holdings in Bread Financial Holdings.

Funds
Holdings
Vanguard
9.73%
VANGUARD INDEX FUNDS
8.68%
iShares
7.39%
DFA
5.95%
DFA INVESTMENT DIMENSIONS GROUP INC
4.45%

Bread Financial Holdings News & Key Events

  • img

    Today's Timeline - 27 October

    Tue, 05:55 PM

    -

    Bread Financial launches underwritten public offering of Series C preferred shares, each representing a 1/40th interest in a preferred share.

    Tue, 05:57 PM

    -

    Bread Financial announces Series C preferred share offering, aiming for general corporate purposes and balance sheet flexibility.

    Tue, 08:10 PM

    -

    Bread Financial Holdings holds a Zacks Rank of #2 (Buy) with strong earnings outlook and favorable valuation metrics.

Insights on Bread Financial Holdings

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

  • imgPOSITIVE IMPACT

    Revenue Rich

    img

    Revenue is up for the last 2 quarters, 1.18B → 1.21B (in $), with an average increase of 2.3% per quarter

  • 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

    Best in 3 Years

    img

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

  • imgPOSITIVE IMPACT

    Price Rise

    img

    In the last 1 year, BFH stock has moved up by 68.7%

  • imgPOSITIVE IMPACT

    Profit Spike

    img

    Netprofit is up for the last 2 quarters, 145.99M → 156.00M (in $), with an average increase of 6.4% per quarter

About Bread Financial Holdings

Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.
OrganisationBread Financial Holdings
Headquarters3095 Loyalty Circle, Columbus, OH, 43219, US
IndustryFinancial - Credit Services
CEORalph J. Andretta

Key Management of Bread Financial Holdings

Name

Title

Mr. Brian Vereb

Head of Investor Relations

Mr. Ralph J. Andretta

President, CEO & Director

Mr. Perry S. Beberman

Executive VP & CFO

Mr. Jonathan Bryan Campbell

Senior VP & Chief Accounting Officer

Mr. Dashon Williford

Senior Vice President of Digital Strategy & Experience

Mr. Dennis McCarthy

Executive Vice President & Chief Revenue Officer

Ms. Allegra S. Driscoll

Executive VP & CTO

Mr. Joseph L. Motes III

Executive VP, Chief Legal & Administrative Officer and Secretary

Ms. Tammy Michelle McConnaughey

Executive VP and Chief Credit Risk & Operations Officer

FAQs

What is Bread Financial Holdings share price today?

Bread Financial Holdings share price today is $103.41 as on at the close of the market. Bread Financial Holdings share today touched a day high of $104.83 and a low of $101.72.

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

Bread Financial Holdings share touched a 52 week high of $114.53 on and a 52 week low of $59.26 on . Bread Financial Holdings stock price today i.e. is closed at $103.41,which is 9.71% down from its 52 week high and 74.50% up from its 52 week low.

What is Bread Financial Holdings's market capitalisation today?

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

How to invest in Bread Financial Holdings 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 on INDmoney app. Click on Buy button.

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

Indian investors can start investing in Bread Financial Holdings (BFH) shares with as little as ₹94.94999694824219 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹949.50 in Bread Financial Holdings stock (as per the Rupee-Dollar exchange rate as on ). Based on Bread Financial Holdings share’s latest price of $103.41 as on October 31, 2026 at 8:45 am IST, you will get 0.0967 shares of Bread Financial Holdings. Learn more about fractional shares .