BFH · Bread Financial Holdings, Inc.
$108.00
-0.53 (-0.49%)
At close · Sep 21
Market Cap
$4.14B
Shares
38.42M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$108.53
Open$107.62
Day$106.65–108.63
52W close$54.08–113.40
Avg vol 30d474K
Short int3.1M · 8.0% float · 7.5d
Short vol83%
Last earningsJul 23, 2026
DataJan 2020–Sep 2026
Filing10-Q · Jul 28
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 4 wks
filed Jul 28, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$3.96B
Trailing 12 months
Net income (TTM)
$568.00M
Trailing 12 months
Revenue growth YoY
+6.9%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
8.4
Trailing earnings · reciprocal yield 11.9%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
0.8%
Trailing 12 months
Shares change YoY
-13.8%
Year over year · fewer shares
Price change (1Y)
+69.4%
Trailing year
Short interest
8.0%
Latest settlement · 7.5 days to cover
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.8 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+24%
above
Price vs 50-day avg
+2%
above
RSI (14)
53
neutral
MACD trend
Positive
52-week position
92%
near high
Momentum
relative strength
1-month return
+5%
trailing
6-month return
+50%
trailing
YTD return
+47%
this year
Relative strength
+30%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $106 › 200d $88 — 50d above 200d
Institutional flow
Accumulating
+8% holders QoQ · +77 funds added
Insider flow
Distributing
Net -$295.7K over 90 days · 50% sells
Short interest
Rising
8.05% of float · ▲ +14.6% MoM · 7.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
422 holders — near 3-yr high, broad support
Squeeze score
76
high risk · 0–100
Fundamentals
Revenue growth
−19%
Y/Y
EPS growth
+98%
Y/Y
Valuation
P/E 8.4
below peers
Balance sheet
$1.9B
net debt
Quant / Vol
risk profile
Volatility
40%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
3.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
full year 2026
Net loss rate
Initiated
7% – 7.1%
over the next couple of years
Net loss rate
6%
Prior guidance
period ended
· from the 8-K filed Apr 25, 2024
Net loss rate
· 2024
8%
Normalized effective tax rate
· 2024 full year
27% – 30%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+24%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
53
Neutral
MACD trend
Positive
Bullish
52-week position
92%
Bullish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $106 › 200d $88 — 50d above 200d
Institutional flow
Accumulating
+8% holders QoQ · +77 funds added
Insider flow
Distributing
Net -$295.7K over 90 days · 50% sells
Short interest
Rising
8.05% of float · ▲ +14.6% MoM · 7.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
422 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $54
Now $109 · 92%
Range high $113
vs 200-day avg +24%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted earnings per diluted common share non-GAAP | $3.55 | the three months ended June 30, 2026 filing | — |
| Adjusted efficiency ratio non-GAAP | 48.6% | the three months ended June 30, 2026 filing | — |
| Adjusted net income available to common stockholders non-GAAP | $144M | the three months ended June 30, 2026 filing | — |
| Adjusted total non-interest expenses non-GAAP | $483M | the three months ended June 30, 2026 filing | — |
| Average credit card and other loans | 18.2B | the three months ended June 30, 2026 filing | — |
| Book value per common share | $81.79 | the three months ended June 30, 2026 filing | — |
| Common equity tier one capital ratio (CET1) | 12.9% | the three months ended June 30, 2026 filing | — |
| Credit sales | 7.5B | the three months ended June 30, 2026 filing | — |
| Delinquency rate | 5.25% | the three months ended June 30, 2026 filing | — |
| Efficiency ratio | 48.6% | the three months ended June 30, 2026 filing | — |
| End-of-period credit card and other loans | 18.5B | the three months ended June 30, 2026 filing | — |
| End-of-period direct-to-consumer (retail) deposits | 9.36B | the three months ended June 30, 2026 filing | — |
| Loan yield | 26.35% | the three months ended June 30, 2026 filing | — |
| Net interest margin | 18.49% | the three months ended June 30, 2026 filing | — |
| Net principal loss rate | 6.98% | the three months ended June 30, 2026 filing | — |
| Net principal losses | 316M | the three months ended June 30, 2026 filing | — |
| Net principal losses as a percentage of average credit card and other loans | 6.98% | Three Months Ended June 30, 2026 filing | — |
| Payment rate | 15.1% | the three months ended June 30, 2026 filing | — |
| PPNR non-GAAP | $510M | the three months ended June 30, 2026 filing | — |
| PPNR excluding impacts from debt repurchases non-GAAP | $510M | the three months ended June 30, 2026 filing | — |
| Pretax pre-provision earnings (PPNR) | 510M | the three months ended June 30, 2026 filing | — |
| Re-aged accounts as a percentage of Total credit card and other loans | 3.2% | the three months ended June 30, 2026 filing | — |
| Reserve rate | 11.23% | the three months ended June 30, 2026 filing | — |
| Return on average assets | 2.6% | the three months ended June 30, 2026 filing | — |
| Return on average equity | 17.1% | the three months ended June 30, 2026 filing | — |
| Return on average tangible common equity non-GAAP | 22.6% | the three months ended June 30, 2026 filing | — |
| Tangible book value per common share non-GAAP | $63.66 | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BFH
this stock
Bread Financial Holdings, Inc.
|
$4.14B | +46.6% | -19.0% | 8.4 | 8.0% |
|
V
Visa Inc.
|
$657.19B | +5.0% | -4.9% | — | 1.1% |
|
MA
Mastercard Inc
|
$495.16B | -1.0% | +16.4% | 31.1 | 0.9% |
|
AXP
American Express Co
|
$219.09B | -15.8% | +13.4% | 19.7 | 1.5% |
|
COF
Capital One Financial Corp
|
$126.84B | -16.5% | +36.6% | 12.4 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BFH | +2.0% | +5.2% | +50.5% | +3.9% | +46.6% |
| SPY | -0.3% | -0.1% | +20.1% | -0.7% | +11.7% |
| vs SPY | +2.4% | +5.3% | +30.3% | +4.6% | +34.9% |
Capital returns
Latest dividend
$0.23
/ share · ex Aug 31, 2026
Paid (TTM)
$0.92
/ share · 4 payouts
Dividend yield (TTM, derived)
0.85%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1101215
CUSIP
018581108
13F (30d)
10 filings
10 filers
Visit website
Investor relations