BREAD FINANCIAL HOLDINGS INC (NYSE: BFH)

BREAD FINANCIAL HOLDINGS INC

NYSE: BFH (Bread Financial Holdings, Inc.)

Last update: 25 Jun, 9:54PM

55.94

0.11 (0.20%)

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Previous Close	55.83
Open	55.66
Volume	601,633
Avg. Volume (3M)	954,725
Market Cap	2,601,209,856

Price / Earnings (TTM)	9.87
Price / Earnings (Forward)	7.50
Price / Sales	0.820
Price / Book	0.930

52 Weeks Range	38.21 (-31%) — 66.71 (19%)
Earnings Date	23 Jul 2025 - 28 Jul 2025
TTM Dividend Yield	0.75%

Market Trend

		Short Term	Medium Term
Industry	Credit Services (US)	Bullish	Bullish
	Credit Services (Global)	Bullish	Bullish
Stock	Bread Financial Holdings, Inc.	Bullish	Bullish

AIStockmoo Score

0.1

Analyst Consensus	0.5
Insider Activity	NA
Price Volatility	2.0
Technical Moving Averages	-2.5
Technical Oscillators	0.5
Average	0.13

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Formed by a combination of JCPenney’s credit card processing unit and The Limited’s credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company’s most financially significant unit is its credit card business that partners with retailers to jointly market Bread’s credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
Sector	Financial Services
Industry	Credit Services
Investment Style	Small Value
% Held by Insiders	0.86%
% Held by Institutions	108.27%

52 Weeks Range	38.21 (-31%) — 66.71 (19%)
Price Target Range	52.00 (-7%) — 74.00 (32%)
High	74.00 (RBC Capital, 32.29%)	Hold
Median	63.00 (12.62%)
Low	52.00 (Barclays, -7.04%)	Sell
Average	63.00 (12.62%)
Total	1 Hold, 1 Sell
Avg. Price @ Call	61.28

Firm	Date	Target Price	Call	Price @ Call
RBC Capital	25 Jul 2025	74.00 (32.28%)	Hold	63.27
Barclays	08 Jul 2025	52.00 (-7.04%)	Sell	59.29

No data within this time range.

Date	Type	Details
09 Sep 2025	Announcement	Bread Financial Provides Performance Update for August 2025
02 Sep 2025	Announcement	Bread Financial to Participate in the Barclays 23rd Annual Global Financial Services Conference
27 Aug 2025	Announcement	Bread Financial Announces Approval of $200 Million Share Repurchase Program
22 Aug 2025	Announcement	Bread Financial Announces Expiration and Results of Its Previously Announced Cash Tender Offers
15 Aug 2025	Announcement	Bread Financial Provides Performance Update for July 2025
07 Aug 2025	Announcement	Bread Financial Announces Early Tender Results of its Previously Announced Cash Tender Offers and Extends Total Consideration Through the Expiration Date
24 Jul 2025	Announcement	Bread Financial Provides Performance Update for June 2025
24 Jul 2025	Announcement	Bread Financial Reports Second Quarter 2025 Results
24 Jul 2025	Announcement	Bread Financial Announces Modified Dutch Auction Cash Tender Offers for 9.750% Senior Notes Due 2029 and/or 8.375% Fixed-Rate Subordinated Notes due 2035
24 Jul 2025	Announcement	Bread Financial Declares Dividend on Common Stock
16 Jul 2025	Announcement	Caesars Entertainment and Bread Financial Introduce New Caesars Rewards® Prestige Visa, a Premium-Level Credit Card Allowing Caesars Rewards Members to Earn Tier Status Faster and Unlock Luxury Rewards with Every Purchase
08 Jul 2025	Announcement	Bread Financial Schedules Second Quarter 2025 Earnings Conference Call for July 24
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TTM Dividend Yield	0.75%
5Y Average Dividend Yield	2.02%
Payout Ratio	14.81%
Expected Next Dividend Payment	Dec 2025

Ex Date	Announcement Date	Payment Date	Details
14 Feb 2025	30 Jan 2025	21 Mar 2025	0.21 Cash
08 Nov 2024	24 Oct 2024	13 Dec 2024	0.21 Cash
09 Aug 2024	25 Jul 2024	13 Sep 2024	0.21 Cash
09 May 2024	25 Apr 2024	14 Jun 2024	0.21 Cash
08 Feb 2024	25 Jan 2024	15 Mar 2024	0.21 Cash
10 Nov 2023	26 Oct 2023	15 Dec 2023	0.21 Cash
10 Aug 2023	27 Jul 2023	15 Sep 2023	0.21 Cash
11 May 2023	27 Apr 2023	16 Jun 2023	0.21 Cash
09 Feb 2023	26 Jan 2023	17 Mar 2023	0.21 Cash
11 Nov 2022	27 Oct 2022	16 Dec 2022	0.21 Cash
10 Nov 2022	27 Oct 2022	16 Dec 2022	0.21 Cash
11 Aug 2022	28 Jul 2022	16 Sep 2022	0.21 Cash
12 May 2022	28 Apr 2022	17 Jun 2022	0.21 Cash
10 Feb 2022	27 Jan 2022	18 Mar 2022	0.21 Cash
10 Nov 2021	28 Oct 2021	17 Dec 2021	0.21 Cash
12 Aug 2021	29 Jul 2021	17 Sep 2021	0.21 Cash
13 May 2021	29 Apr 2021	18 Jun 2021	0.21 Cash
11 Feb 2021	28 Jan 2021	18 Mar 2021	0.21 Cash
12 Nov 2020	29 Oct 2020	18 Dec 2020	0.21 Cash
13 Aug 2020	23 Jul 2020	18 Sep 2020	0.21 Cash
13 May 2020	23 Apr 2020	18 Jun 2020	0.21 Cash
13 Feb 2020	30 Jan 2020	19 Mar 2020	0.63 Cash
13 Nov 2019	24 Oct 2019	17 Dec 2019	0.63 Cash
03 Sep 2019	18 Jul 2019	26 Sep 2019	0.63 Cash
13 May 2019	25 Apr 2019	18 Jun 2019	0.63 Cash
20 Feb 2019	07 Feb 2019	19 Mar 2019	0.63 Cash
13 Nov 2018	18 Oct 2018	19 Dec 2018	0.57 Cash
13 Aug 2018	19 Jul 2018	19 Sep 2018	0.57 Cash
11 May 2018	19 Apr 2018	19 Jun 2018	0.57 Cash
13 Feb 2018	25 Jan 2018	20 Mar 2018	0.57 Cash
13 Nov 2017	19 Oct 2017	19 Dec 2017	0.52 Cash
10 Aug 2017	20 Jul 2017	19 Sep 2017	0.52 Cash
11 May 2017	20 Apr 2017	19 Jun 2017	0.52 Cash
13 Feb 2017	26 Jan 2017	17 Mar 2017	0.52 Cash
01 Nov 2016	20 Oct 2016	16 Dec 2016	0.52 Cash
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Annual Dividend Yield

Year	Annual Dividend ($)	Frequency/Year	Yield %
2025	0.210	1	0.38
2024	0.840	4	1.38
2023	0.840	4	2.55
2022	1.05	5	2.79
2021	0.840	4	1.26
2020	1.26	4	2.13
2019	2.52	4	2.81
2018	2.28	4	1.90
2017	2.08	4	1.03
2016	0.520	1	0.29
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The support, resistance and trendline levels presented has been generated by an artificial intelligence (AI) model and should be interpreted with caution.

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Profit Margin	11.49%
Operating Margin (TTM)	29.23%
Diluted EPS (TTM)	5.67
Quarterly Revenue Growth (YOY)	0.60%
Quarterly Earnings Growth (YOY)	3.00%

Return on Assets (TTM)	1.28%
Return on Equity (TTM)	9.38%

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