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BF

Bread Financial Holdings, Inc. (BFH)

NYSE • Financial Services

$101.72
+$1.82 (+1.8%)
Market open

Last close at October 26, 2026 at 20:00 UTC

Open$101.09
Previous Close$101.72
Day Range$101 - $102.71
Avg. Volume (3M)565.4K
Market Cap$3.9B
P/E Ratio7.9
52 Week Range
$59.26$114.53

Metrics Over Time

Where the Money Goes

Q3 2026
Revenueeverything earned$1.2B100%
Gross Profitminus cost of goods$696M57%
Operating Incomeminus R&D and overhead$209M17%
Net Incomeminus taxes and the rest$156M13%

In plain terms: out of every $100 in revenue, Bread Financial Holdings, Inc. keeps $13 as net profit.

Fundamentals & Financials

Revenue (TTM)
$4.7B
Net Income (TTM)
$536M
EPS (TTM)
$12.89
ROA (TTM)
2.3%
Current Ratio
0.27
Dividend Yield
0.37%

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

+39.3%Q2 2026$4.18
+29.6%Q3 2026$3.55
+15.0%Q4 2026$3.84

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

Latest report — Q4 2026
Beat +15.0%

Bread Financial Holdings’ earnings topped expectations as EPS of $3.84 beat the $3.34 estimate (+15%), based on preliminary results for the third fiscal quarter of 2026 reported October 22, 2026, even as profitability eased from a year ago. Revenue came in at about $1.2 billion, with net interest income of roughly $1.1 billion remaining the core driver for the consumer credit and payments business. Net income fell 17% year over year to about $156 million (down from roughly $188 million a year ago), while EPS declined 4.5% from $4.02 a year ago to $3.84. On the cost and margin side, Bread generated operating income of roughly $209 million. For the next period, consensus calls for EPS of $1.45.

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 is trading 1.4% higher at 103.17, while its sector was flat. Bread Financial raised its 2026 outlook after third-quarter revenue grew 5%.

Trading Volume

Below 10d avg (578.2K)

74.3K

vs S&P 500 Today

Outperforming Market

+0.77%

Updated: October 27, 2026 at 16:51 UTC

Technical Indicators

5 Buy3 Neutral0 Sell
BFH is trading around 103.11 and exhibits a cautiously constructive technical setup with balanced momentum and mixed medium-term signals. Short-term moving averages sit near the market and the 200-day averages remain well below current price, indicating longer-term upward bias, while some mid-range averages show resistance, so momentum is moderate. ADX near 16 points to limited trend strength and MACD is essentially neutral, yet on-balance volume and a positive pivot alignment provide incremental support. Volatility is moderate with an ATR near 3.5 percent. Technical takeaway: Buy — longer-term averages and volume underpin a modestly bullish stance amid subdued trend strength.
All signals
  • EMA (5 indicators)$91.06 - $102.87
    Buy
  • RSI (14)51.23
    Neutral
  • Stochastic %K (14, 3, 3)38.46
    Neutral
  • MACD Level (12, 26)-0.12
    Neutral

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