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BF

Bread Financial Holdings, Inc. (BFH)

NYSE • Financial Services

$106.86
-$0.54 (-0.5%)
Market closed

Last close at September 10, 2026 at 20:00 UTC

Open$108.14
Day Range$105.41 - $108.15
Avg. Volume (3M)426.7K
Market Cap$4.3B
P/E Ratio8.2
52 Week Range
$53.83$114.53
Next EarningsIn 41 daysOct 22, 2026

Metrics Over Time

Where the Money Goes

Q2 2026
Revenueeverything earned$1.1B100%
Gross Profitminus cost of goods$680M57%
Operating Incomeminus R&D and overhead$197M17%
Net Incomeminus taxes and the rest$146M12%

In plain terms: out of every $100 in revenue, Bread Financial Holdings, Inc. keeps $12 as net profit.

Fundamentals & Financials

Revenue (TTM)
$4.7B
Net Income (TTM)
$568M
EPS (TTM)
$13.01
ROA (TTM)
2.53%
Current Ratio
0
Dividend Yield
0.25%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

+417.5%Q1 2026$2.07
+39.3%Q2 2026$4.18
+29.6%Q3 2026$3.55
Next

Oct 22

in 41 daysQ4 2026

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q3 2026
Beat +29.6%

Bread Financial Holdings topped consensus on earnings in the second fiscal quarter of 2026, based on preliminary results reported July 23, with EPS of $3.55 beating the $2.74 estimate by 29.6%. Revenue came in at about $1.2 billion, while operating income was about $197 million and operating margin held near 16.6%. Net income was about $146 million, up 5.0% from $139 million a year ago, and adjusted for the comparison already embedded in the headline, EPS was up 13.1% from $3.14 in the prior-year quarter. The company repurchased about $153 million of stock and paid about $14 million in dividends during the period. Consensus for the next period calls for EPS of $3.33.

View full earnings history

About Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. (NYSE: BFH) is a consumer finance company focused on credit and payment products for merchants and their customers across North America. In FY2025, it generated $4.7 billion in revenue. Its business spans store-card financing, general purpose cards, buy now pay later products, and digital payment tools.

Name
Bread Financial Holdings, Inc.
CEO
Ralph J. Andretta
Website
www.breadfinancial.com
Industry
Financial Services
Year Founded
1996
Employees
6,000

Today's Snapshot

AI-generated

BFH closed slightly lower at 106.91, in line with a flat sector. Bread Financial agreed to a $1 billion deal with Signet, a jewelry retailer.

Trading Volume

Below 10d avg (433.1K)

357.7K

vs S&P 500 Today

Moderate Outperformance

+0.11%

Updated: September 10, 2026 at 20:08 UTC

Technical Indicators

3 Buy3 Neutral2 Sell
BFH shows a neutral technical posture as momentum oscillators sit near midpoint while trend strength remains weak, with ADX around the low teens indicating little directional conviction. Short-term moving averages are marginally above the current price while medium and long-term averages sit well below, signalling that recent weakness is occurring inside a longer-term uptrend. Volatility is moderate and steady, with ATR near three dollars, and on-balance volume points to recent distribution. The classic pivot is directly overhead, acting as a nearby reference. Technical takeaway: Neutral — no clear near-term bias amid mixed shorter- and longer-term signals.
All signals
  • EMA (5 indicators)$87.57 - $107.37
    Buy
  • RSI (14)49.65
    Neutral
  • Stochastic %K (14, 3, 3)63.45
    Neutral
  • MACD Level (12, 26)0.29
    Neutral

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