Bread Financial Share Price (NYSE: BFH)

$59.69

▲

-1.76

(-2.86%)

Last updated on August 16, 2025 at 1:29 AM IST

$₹

Check the interactive Bread Financial Stock chart to analyse performance

Bread Financial stock performance

as on August 16, 2025 at 1:29 AM IST

Today's Low:$59.32
Today's High:$60.97
$59.69
0.62%
Downside
Day's Volatility :2.71%
Upside
2.1%
52 Weeks Low:$38.21
52 Weeks High:$66.71
$59.69
35.99%
Downside
52 Weeks Volatility :42.72%
Upside
10.52%

Bread Financial Stock Returns

Period	Bread Financial Holdings Inc	Sector (Financials)	Index (Russel 2000)
3 Months	11.91%	1.7%	0.0%
6 Months	-3.71%	1.3%	0.0%
1 Year	9.91%	19.8%	0.0%
3 Years	35.14%	46.5%	-12.4%

Bread Financial Holdings Inc Key Stats

Check Bread Financial key stats like market cap, P/E ratio, EPS, Dividend Yield, and more.

Previous Close	$61.45
Open	$60.97
Today's High	$60.97
Today's Low	$59.32
Market Capitalization	$2.9B
Today's Volume	$554.7K
52 Week High	$66.71
52 Week Low	$38.21
Revenue TTM	$2.5B
EBITDA	$682.0M
Earnings Per Share (EPS)	$5.95
PE Ratio	10.33
Dividend Yield	1.38%
Profit Margin	11.62%
Quarterly Earnings Growth YOY	0.11%
Return On Equity TTM	9.15%

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

The Bread Financial 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 investment value today

Current value as on today

₹1,12,090

Returns

₹12,090

(+12.09%)

Returns from Bread Financial Stock

₹7,880 (+7.88%)

Dollar Returns*

₹4,210 (+4.21%)

Indian investors sentiment towards Bread Financial Stock

55%

Period: Jul 17, 2025 to Aug 16, 2025. Change in 30 Days versus previous period

Search interest for Bread Financial Stock from India on INDmoney has increased by 55% in the last 30 days, reflecting an upward trend in search activity.

Global Institutional Holdings in Bread Financial Holdings Inc

Name
Holdings %
Name
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%
Franklin Resources Inc
3.16%

Analyst Recommendation on Bread Financial Stock

Rating

Trend

Hold

13%Buy

47%Hold

39%Sell

Based on 23 Wall street analysts offering stock ratings for Bread Financial(by analysts ranked 0 to 5 stars)

Bread Financial Share Price Target

What analysts predicted

Upside of 15.15%

Target:

$68.73

Current:

$59.69

Bread Financial share price target is $68.73, a slight Upside of 15.15% compared to current price of $59.69 as per analysts' prediction.

Bread Financial Stock Insights

Price Movement
In the last 3 years, BFH stock has moved up by 33.5%
Decreasing Revenue
Revenue is down for the last 2 quarters, 1.19B → 1.14B (in $), with an average decrease of 4.1% per quarter
Increasing Net Profit
Netprofit is up for the last 4 quarters, 2.0M → 139.0M (in $), with an average increase of 55.7% per quarter
BFH vs COF (1 yr)
In the last 1 year, Capital One Financial Corporation has given 54.3% return, outperforming this stock by 44.4%
BFH vs COF (3 yr)
In the last 3 years, Capital One Financial Corporation has given 86.6% return, outperforming this stock by 53.1%
Price to Sales
ForBFH every $1 of sales, investors are willing to pay $1.2, whereas for Capital One Financial Corporation, the investors are paying $3.7 for every $1 of sales.

Bread Financial Holdings Inc Financials

Revenue

Profit

Cash Flow

Annually

Quarterly

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Revenue	$3.3B	↓ 40.92%
Net Income	$278.0M	↓ 71.13%
Net Profit Margin	8.3%	↓ 8.7%

	FY20	Y/Y Change
Revenue	$3.3B	↓ 1.49%
Net Income	$214.0M	↓ 23.02%
Net Profit Margin	6.49%	↓ 1.81%

	FY21	Y/Y Change
Revenue	$3.3B	↓ 0.85%
Net Income	$801.0M	↑ 274.3%
Net Profit Margin	24.5%	↑ 18.01%

	FY22	Y/Y Change
Revenue	$3.8B	↑ 17.0%
Net Income	$223.0M	↓ 72.16%
Net Profit Margin	5.83%	↓ 18.67%

	FY23	Y/Y Change
Revenue	$4.3B	↑ 12.1%
Net Income	$718.0M	↑ 221.97%
Net Profit Margin	16.74%	↑ 10.91%

	FY24	Y/Y Change
Revenue	$3.8B	↓ 10.52%
Net Income	$277.0M	↓ 61.42%
Net Profit Margin	7.22%	↓ 9.52%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Revenue	$1.2B	↓ 1.27%
Net Income	$134.0M	↑ 211.63%
Net Profit Margin	10.82%	↑ 7.39%

	Q2 FY24	Q/Q Change
Revenue	$1.2B	↓ 4.76%
Net Income	$133.0M	↓ 0.75%
Net Profit Margin	11.27%	↑ 0.45%

	Q3 FY24	Q/Q Change
Revenue	$1.2B	↑ 3.64%
Net Income	$2.0M	↓ 98.5%
Net Profit Margin	0.16%	↓ 11.11%

	Q4 FY24	Q/Q Change
Revenue	$1.2B	↓ 5.48%
Net Income	$7.0M	↑ 250.0%
Net Profit Margin	0.61%	↑ 0.45%

	Q1 FY25	Q/Q Change
Revenue	$1.2B	↑ 3.37%
Net Income	$138.0M	↑ 1871.43%
Net Profit Margin	11.55%	↑ 10.94%

	Q2 FY25	Q/Q Change
Revenue	$1.1B	↓ 4.1%
Net Income	$139.0M	↑ 0.72%
Net Profit Margin	12.13%	↑ 0.58%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Profit	$2.3B	↓ 10.15%

	FY20	Y/Y Change
Profit	$2.0B	↓ 16.1%

	FY21	Y/Y Change
Profit	$2.1B	↑ 5.73%

	FY22	Y/Y Change
Profit	$2.2B	↑ 8.24%

	FY23	Y/Y Change
Profit	$3.1B	↑ 37.1%

	FY24	Y/Y Change
Profit	$2.4B	↓ 20.23%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Profit	$670.0M	↑ 25.23%

	Q2 FY24	Q/Q Change
Profit	$649.0M	↓ 3.13%

	Q3 FY24	Q/Q Change
Profit	$614.0M	↓ 5.39%

	Q4 FY24	Q/Q Change
Profit	$508.0M	↓ 17.26%

	Q1 FY25	Q/Q Change
Profit	$674.0M	↑ 32.68%

	Q2 FY25	Q/Q Change
Profit	$1.0B	↑ 51.04%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Operating Cash Flow	$1.2B	↓ 55.8%
Investing Cash Flow	$2.9B	↓ 252.83%
Financing Cash Flow	$-4.1B	↑ 235.96%

	FY20	Y/Y Change
Operating Cash Flow	$1.9B	↑ 54.61%
Investing Cash Flow	$1.8B	↓ 37.99%
Financing Cash Flow	$-4.2B	↑ 1.83%

	FY21	Y/Y Change
Operating Cash Flow	$1.5B	↓ 18.04%
Investing Cash Flow	$-1.7B	↓ 195.32%
Financing Cash Flow	$608.0M	↓ 114.59%

	FY22	Y/Y Change
Operating Cash Flow	$1.8B	↑ 19.77%
Investing Cash Flow	$-5.1B	↑ 202.25%
Financing Cash Flow	$3.3B	↑ 437.34%

	FY23	Y/Y Change
Operating Cash Flow	$2.0B	↑ 7.52%
Investing Cash Flow	$788.0M	↓ 115.42%
Financing Cash Flow	$-3.1B	↓ 194.46%

	FY24	Y/Y Change
Operating Cash Flow	$1.9B	↓ 6.44%
Investing Cash Flow	$-1.2B	↓ 248.35%
Financing Cash Flow	$-592.0M	↓ 80.82%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Operating Cash Flow	$447.0M	↓ 27.55%
Investing Cash Flow	$720.0M	↓ 140.2%
Financing Cash Flow	$-975.0M	↓ 169.89%

	Q2 FY24	Q/Q Change
Operating Cash Flow	$477.0M	↑ 6.71%
Investing Cash Flow	$31.0M	↓ 95.69%
Financing Cash Flow	$-244.0M	↓ 74.97%

	Q3 FY24	Q/Q Change
Operating Cash Flow	$456.0M	↓ 4.4%
Investing Cash Flow	$-569.0M	↓ 1935.48%
Financing Cash Flow	$-488.0M	↑ 100.0%

	Q4 FY24	Q/Q Change
Operating Cash Flow	$479.0M	↑ 5.04%
Investing Cash Flow	$-1.4B	↑ 137.43%
Financing Cash Flow	$1.1B	↓ 328.48%

	Q1 FY25	Q/Q Change
Operating Cash Flow	$393.0M	↓ 17.95%
Investing Cash Flow	$691.0M	↓ 151.15%
Financing Cash Flow	$-562.0M	↓ 150.4%

	Q2 FY25	Q/Q Change
Operating Cash Flow	$919.0M	↑ 133.84%
Investing Cash Flow	$470.0M	↓ 31.98%
Financing Cash Flow	$-1.3B	↑ 128.65%

Bread Financial Technicals Summary

Sell

Neutral

Buy

Bread Financial is currently not in a favorable trading position ( SELL ) according to technical analysis indicators.

Bread Financial Holdings Inc Vs Peers

Returns

Ratio's

Overview

Company Name	1 Month	6 Month	1 Year	3 Years	5 Years
Bread Financial Holdings Inc	-4.25%	-3.71%	9.91%	35.14%	26.89%
Capital One Financial Corporation	-1.19%	6.21%	54.34%	89.6%	222.5%
Paypal Holdings, Inc.	-6.28%	-11.96%	1.85%	-30.38%	-64.74%
Mastercard Inc.	4.63%	2.23%	23.98%	63.6%	76.03%
American Express Co.	-3.13%	-2.36%	21.36%	86.38%	213.14%
Visa, Inc.	-1.56%	-3.46%	28.79%	60.53%	72.68%

Company Name	P/E Ratio	P/B Ratio	PEG Ratio	EPS	ROE	ROA	Div Yield	BVPS
Bread Financial Holdings Inc	10.33	10.33	2.15	8.24	0.09	0.01	0.01	67.94
Capital One Financial Corporation	595.0	595.0	0.91	17.68	0.0	0.0	0.01	165.05
Paypal Holdings, Inc.	14.86	14.86	0.9	5.21	0.23	0.05	NA	21.04
Mastercard Inc.	39.31	39.31	2.29	16.32	1.77	0.24	0.01	8.67
American Express Co.	21.61	21.61	2.07	15.31	0.33	0.04	0.01	46.42
Visa, Inc.	33.77	33.77	1.97	11.42	0.52	0.17	0.01	19.58

Company Name	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin
Bread Financial Holdings Inc	Hold	$2.9B	26.89%	10.33	11.62%
Capital One Financial Corporation	Hold	$133.2B	222.5%	595.0	0.0%
Paypal Holdings, Inc.	Hold	$66.3B	-64.74%	14.86	14.49%
Mastercard Inc.	Buy	$527.7B	76.03%	39.31	44.93%
American Express Co.	Buy	$214.1B	213.14%	21.61	15.99%
Visa, Inc.	Buy	$670.6B	72.68%	33.77	52.16%

Bread Financial Dividend announcements

Bread Financial Dividends September, 2025
In the quarter ending September,2025. Bread Financial has declared dividend of $0.21

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, 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, 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.

Organization	Bread Financial
Employees	6000
CEO	Mr. Ralph J. Andretta
Industry	Financial

Key Management of Bread Financial Holdings Inc

Name	Title
Mr. Ralph J. Andretta	President, CEO & Director
Mr. Perry S. Beberman	Executive VP & CFO
Ms. Allegra S. Driscoll	Executive VP & CTO
Mr. Joseph L. Motes III	Executive VP, Chief Administrative Officer, General Counsel & Secretary
Ms. Valerie E. Greer	Executive VP & Chief Commercial Officer
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
Brandy Sullivan	Senior VP, Chief People and Culture Officer
Mr. Wes Hunt	Senior Vice President of Operational Excellence

Important FAQs about investing in BFH Stock from India :

What is Bread Financial share price today?

Bread Financial share price today is $59.69 as on August 16, 2025 at 1:29 AM IST at the close of the market. Bread Financial share today touched a day high of $60.97 and a low of $59.32.

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

Bread Financial share touched a 52 week high of $66.71 and a 52 week low of $38.21. Bread Financial stock price today, August 16, 2025 at 1:29 AM IST is trending at $59.69, lower by 10.52% versus the 52 week high.

How to invest in Bread Financial 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 on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Bread Financial Shares that will get you 0.0251 shares as per Bread Financial share price of $59.69 per share as on August 16, 2025 at 1:29 AM IST.

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

Indian investors can start investing in Bread Financial (BFH) shares with as little as ₹87.492 or $1 (as of August 17, 2025) using the INDmoney app.
For example: If you want to invest $10 or ₹874.92 in Bread Financial stock (as per the Rupee-Dollar exchange rate as on August 17, 2025). Based on Bread Financial share’s latest price of $59.69 as on August 16, 2025 at 1:29 AM IST, you will get 0.1675 shares of Bread Financial. Learn more about fractional shares .

What are the returns that Bread Financial has given to Indian investors in the last 5 years?

Bread Financial stock has given 26.89% share price returns and 17.06% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your US Stock Investments?