Bread Financial Holdings share price logo

Bread Financial Holdings

NYSE: BFH

Mid Cap

$102.91

+1.35

(+1.33%)

as on

Bread Financial Holdings Stock Performance

as on September 28, 2026 at 2:15 pm IST

  • Day's Low

    Day's High

    $99.84
    $103.89
    downward going graph

    2.98%

    Downside

    0.95%

    Upside

    downward going graph
  • 52 Week's Low

    52 Week's High

    $53.83
    $114.53
    downward going graph

    47.69%

    Downside

    11.29%

    Upside

    downward going graph

Bread Financial Holdings share price movements today

Previous Close
$101.56
Open
$101.16
Volume
393.2K
Market Cap
$4.0B
Dividend Yield
0.89%
Day's Low - High
$99.84 - $103.89
52 Week Low - High
$53.83 - $114.53

Bread Financial Holdings Historical Returns

1 Month Return
-2.68 %
3 Month Return
-3.16 %
1 Year Return
+ 72.7 %
3 Year Return
+ 199.68 %
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

$4.0B

EPS (TTM)

13.01

Dividend Yield

0.89%

Quarterly Earnings Growth YOY

0.21%

PE Ratio (TTM)

7.91

Industry PE ratio

-2.73

PEG Ratio

0.06707828549716999

EBITDA

740.0M

Revenue (TTM)

4.8B

Profit Margin

63.99%

Return On Equity TTM

17.04%

Bread Financial Holdings Stock Valuation

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

Bread Financial Holdings in the last 5 years

  • Overview

  • Trends

Lowest (2.28x)

December 31, 2023

Industry (-2.73x)

December 31, 2025

Today (6.65x)

December 31, 2025

Highest (10.93x)

December 31, 2024

LowHigh

Today’s Price to Earnings Ratio: 6.65x

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$4.0BNA7.9163.99%0.89%
StrongBuy$122.8B19.61%12.3966.19%1.60%
Buy$208.6B78.4%18.7384.35%1.15%
StrongBuy$685.9B62.87%31.2180.18%0.73%
StrongBuy$497.3B61.64%31.17100.00%0.59%

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

₹1,86,862

Returns

₹86,862

(+86.86%)

Returns from Bread Financial Holdings Stock

₹72,697 (+72.7%)

Dollar Impact

₹14,166 (+14.17%)

Analyst Recommendation on Bread Financial Holdings Stock

Based on 10 analysts

BUY

60.00%

Buy

40.00%

Hold

0.00%

Sell

Based on 10 analysts, 60% of analysts recommend a 'BUY' rating for Bread Financial Holdings. Average target price of $114.81

Bread Financial Holdings Share Price Target

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

What analysts predicted

10.36%UPSIDE

Target Price

$114.81

Current Price

$102.91

Analyzed by

10 Analysts

High

$132

Target

$114.81

Low

$108

Bread Financial Holdings target price $114.81, a slight upside of 10.36% compared to current price of $102.91. According to 10 analysts rating.

Indian Investors' Interest in Bread Financial Holdings Stock

Search interest for Bread Financial Holdings Stock has decreased by -5% in the last 30 days, reflecting a downward trend in search activity.

Time period: to

Change:-5% versus previous 30 day period

Bread Financial Holdings Quarterly Profit & Loss

All numbers in Millions USD

Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Total Revenue
1,239
1,180
1,223
1,156
1,195
1,149
1,181
1,174
1,211
1,188
Gross Profit
670
649
614
508
674
655
672
975
715
680
Operating Income
188
180
40
-27
197
174
196
47
243
197
EBITDA
211
203
62
-5
218
195
215
66
262
197
Interest Expense
248
241
240
231
225
220
210
199
193
195
Depreciation
23
23
22
22
21
21
19
19
19
-
Income Before Tax
188
180
40
-27
197
174
196
47
243
197
Income Tax Expense
53
47
37
-34
55
35
8
-6
62
51
Net Income
134
133
2
7
138
139
188
53
181
146
Net Profit Margin
54.08%
55.00%
50.20%
43.94%
56.40%
57.01%
56.90%
83.05%
59.04%
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

Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Net Income
134
134
2
7
138
138
188
54
181
147
Operating Cash Flow
447
477
456
479
393
526
605
568
487
533
Investing Cash Flow
720
31
-569
-1,351
691
-221
-338
-1,503
317
-672
Financing Cash Flow
-975
-244
-488
1,115
-562
-723
-306
784
-475
-59
Change in Cash
192
264
-601
243
522
-418
-39
-151
329
-198

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

Mutual Funds that own Bread Financial Holdings Stock

Check out the Mutual Funds with significant holdings in Bread Financial Holdings.

Funds
Holdings
Shares Held
VANGUARD INDEX FUNDS
8.684649%
3336579
DFA INVESTMENT DIMENSIONS GROUP INC
4.450743%
1709943
Delaware Group Equity Funds V
4.029529%
1548116
PIMCO Equity Series
2.134035%
819881
Fidelity Salem Street Trust
1.454853%
558944

Global Institutional Holdings in Bread Financial Holdings

Funds
Holdings
Vanguard
10.19%
VANGUARD INDEX FUNDS
8.68%
iShares
7.4%
DFA INVESTMENT DIMENSIONS GROUP INC
4.45%
Delaware Group Equity Funds V
4.03%

Bread Financial Holdings News & Key Events

  • img

    Today's Timeline - 15 September

    Tue, 02:25 PM

    -

    Zacks Rank #1 for Bread Financial; earnings estimate increased by 10.2% over 60 days.

    Tue, 04:55 PM

    -

    Bread Financial renews long-term relationship with Signet Jewelers, enhancing credit programs and technology.

    Tue, 04:58 PM

    -

    Bread Financial reports strong August loan growth and improved credit metrics, signaling healthier consumer repayment trends.

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

    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 72.7%

  • 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

  • imgNEGATIVE IMPACT

    Revenue Fall

    img

    Revenue is down for the last 2 quarters, 1.21B → 1.18B (in $), with an average decrease of 1.9% per quarter

  • imgNEGATIVE IMPACT

    Profit Down

    img

    Netprofit is down for the last 2 quarters, 181.00M → 145.99M (in $), with an average decrease of 19.3% 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
E-voting on sharesClick here to vote

Key Management of Bread Financial Holdings

Name

Title

Mr. Ralph J. Andretta

President, CEO & Director

Ms. Allegra S. Driscoll

Executive VP & CTO

Ms. Valerie E. Greer

Executive VP & Chief Commercial Officer

Mr. Brian Vereb

Head of Investor Relations

Mr. Dashon Williford

Senior Vice President of Digital Strategy & Experience

Mr. Perry S. Beberman

Executive VP & CFO

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

Mr. Jonathan Bryan Campbell

Senior VP & Chief Accounting Officer

FAQs

What is Bread Financial Holdings share price today?

Bread Financial Holdings share price today is $102.91 as on at the close of the market. Bread Financial Holdings share today touched a day high of $103.89 and a low of $99.84.

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 $53.83 on . Bread Financial Holdings stock price today i.e. is closed at $102.91,which is 10.15% down from its 52 week high and 91.18% 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. You can invest as low as $1.5 in Bread Financial Holdings Shares that will get you 0.0146 shares as per Bread Financial Holdings share price of $102.91 per share as on September 28, 2026 at 8:45 am IST.

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 ₹95.980003356934 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹959.80 in Bread Financial Holdings stock (as per the Rupee-Dollar exchange rate as on ). Based on Bread Financial Holdings share’s latest price of $102.91 as on September 28, 2026 at 8:45 am IST, you will get 0.0972 shares of Bread Financial Holdings. Learn more about fractional shares .