BFH
BREAD FINANCIAL HOLDINGS, INC.
$101.71
+0.08%
$4.1B
No data for this timeframe.
Vol
Market Cap$4.1B
Cap SizeMid Cap
Analyst ConsensusHold (45%)
Inst. Holders50 funds
Inst. Value$2.1B
Inst. Activity19 buys / 14 sells
Insider Activity1B / 2S
Insider Net $-$946.9K
SEC Reports11
Press Releases2
Recent Activity
Jun 10, 2026
other
Bread Financial Provides Performance Update for May 2026
<p>COLUMBUS, Ohio, June 10, 2026 (GLOBE NEWSWIRE) -- <a href="https://www.globenewswire.com/Tracke
May 29, 2026
Insider
Andretta Ralph J sold 1,500 shares
President and CEO @ $88.23 ($132.3K)
May 21, 2026
Insider
Fawcett John J. bought 698 shares
Director @ $86.43 ($60.3K)
May 20, 2026
SEC
Bread Financial published its 2025 Sustainability Report, highlighting credit rating upgrades from Moody's and Fitch, $1
PRESS-RELEASE — Impact 2/10
May 15, 2026
SEC
Bread Financial provided an April 2026 monthly credit performance update. Net principal loss rate improved to 7.09% from
8-K — Impact 4/10
May 12, 2026
SEC
Bread Financial Holdings issued 4,800,000 depositary shares (Series B Preferred Stock) at $25 per share, raising $116.2
8-K — Impact 4/10
Apr 24, 2026
Insider
BALLOU ROGER H sold 9,687 shares
Director @ $90.32 ($874.9K)
Inst.
FRANKLIN RESOURCES INC — TRIM
1,149,456 shares ($86.1M)
Price Targets
$97.00
-4.6% upside
Hold
Current $101.71
Low $70.00
Median $98.50
High $115.00
16 analysts
$70.00
$115.00
Analyst Ratings
4Strong Buy
6Buy
10Hold
2Sell
0Strong Sell
Recent Analyst Actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Jun 11, 2026 | RBC Capital | MAINTAIN | Sector Perform → Sector Perform |
| May 22, 2026 | Loop Capital | INITIATE | Buy |
| Apr 29, 2026 | Evercore ISI Group | MAINTAIN | Outperform → Outperform |
| Apr 24, 2026 | Barclays | MAINTAIN | Underweight → Underweight |
| Apr 24, 2026 | TD Cowen | MAINTAIN | Hold → Hold |
Earnings Estimates
| Period | EPS Est. | Range | Growth | # |
|---|---|---|---|---|
| Current Q | $2.75 ▲ +1.4% | $2.31 — $3.06 | -12% YoY | 10 |
| Next Q | $3.15 ▲ +1.3% | $2.57 — $4.02 | -22% YoY | 10 |
| Current FY | $11.33 ▲ +0.6% | $10.84 — $12.09 | -7% YoY | 11 |
| Next FY | $12.45 ▲ +0.8% | $10.78 — $14.34 | 10% YoY | 12 |
Latest Reports
NEUTRAL
PRESS-RELEASE
2/10
Bread Financial published its 2025 Sustainability Report, highlighting credit rating upgrades from Moody's and Fitch, $1
May 20, 2026
NEUTRAL
8-K
4/10
Bread Financial provided an April 2026 monthly credit performance update. Net principal loss rate improved to 7.09% from
May 15, 2026
NEUTRAL
Press
4/10
Bread Financial priced a public offering of 4,800,000 depositary shares (Series B preferred stock) at $25 per share, exp
May 6, 2026
Top Institutional Holders
| Fund | Value | Move |
|---|---|---|
| BlackRock, Inc. | $316.4M | — |
| DIMENSIONAL FUND ADVISORS LP | $231.1M | — |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $206.4M | — |
| VANGUARD CAPITAL MANAGEMENT LLC | $140.0M | — |
| STATE STREET CORP | $132.2M | — |
Recent Insider Trades
| Date | Insider | Type | Value |
|---|---|---|---|
| May 29, 2026 | Andretta Ralph | SELL | $132.3K |
| May 21, 2026 | Fawcett John | BUY | $60.3K |
| Apr 24, 2026 | BALLOU ROGER | SELL | $874.9K |
| Apr 15, 2026 | Gerspach John | A | $0.00 |
| Feb 19, 2026 | BALLOU ROGER | G | $0.00 |
50 institutional holders with $2.1B total value (28,224,869 shares) as of 2026-Q1. Top holders: BlackRock,, DIMENSIONAL, VANGUARD. Net buying activity: 19 institutions added/increased vs 14 reduced.
Top Institutional Holders — 2026-Q1
| # | Fund | Shares | Value | % of Tracked | Last Move |
|---|---|---|---|---|---|
| 1 | BlackRock, Inc. | 4,224,700 | $316.4M | 15.0% | — |
| 2 | DIMENSIONAL FUND ADVISORS LP | 3,086,060 | $231.1M | 10.9% | — |
| 3 | VANGUARD PORTFOLIO MANAGEMENT LLC | 2,756,336 | $206.4M | 9.8% | — |
| 4 | VANGUARD CAPITAL MANAGEMENT LLC | 1,869,385 | $140.0M | 6.6% | — |
| 5 | STATE STREET CORP | 1,764,783 | $132.2M | 6.3% | — |
| 6 | Allianz Asset Management GmbH | 1,346,602 | $100.8M | 4.8% | — |
| 7 | FRANKLIN RESOURCES INC | 1,149,456 | $86.1M | 4.1% | TRIM -43.4% |
| 8 | ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 1,103,584 | $82.6M | 3.9% | — |
| 9 | HSBC HOLDINGS PLC | 1,009,890 | $74.7M | 3.5% | — |
| 10 | WELLINGTON MANAGEMENT GROUP LLP | 828,270 | $62.0M | 2.9% | — |
| 11 | GOLDMAN SACHS GROUP INC | 753,014 | $56.4M | 2.7% | — |
| 12 | NOMURA ASSET MANAGEMENT INTERNATIONAL INC. | 708,466 | $53.1M | 2.5% | — |
| 13 | CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 654,149 | $49.0M | 2.3% | — |
| 14 | BANK OF AMERICA CORP /DE/ | 630,225 | $47.2M | 2.2% | — |
| 15 | MORGAN STANLEY | 615,628 | $46.1M | 2.2% | TRIM -32.4% |
| 16 | PZENA INVESTMENT MANAGEMENT LLC | 613,673 | $46.0M | 2.2% | — |
| 17 | Neuberger Berman Group LLC | 444,393 | $33.2M | 1.6% | — |
| 18 | PUBLIC SECTOR PENSION INVESTMENT BOARD | 284,075 | $21.3M | 1.0% | ADD +46.9% |
| 19 | VANGUARD FIDUCIARY TRUST CO | 281,589 | $21.1M | 1.0% | — |
| 20 | Invesco Ltd. | 274,705 | $20.6M | 1.0% | — |
Recent Position Changes
| Fund | Action | Prev Shares | Curr Shares | Change % | Value | Quarter |
|---|---|---|---|---|---|---|
| FRANKLIN RESOURCES INC | TRIM | 2,029,894 | 1,149,456 | -43.4% | $86.1M | 2026-Q1 |
| MORGAN STANLEY | TRIM | 910,301 | 615,628 | -32.4% | $46.1M | 2026-Q1 |
| PUBLIC SECTOR PENSION INVESTMENT BOARD | ADD | 193,421 | 284,075 | +46.9% | $21.3M | 2026-Q1 |
| PANAGORA ASSET MANAGEMENT INC | DOUBLED | 90,968 | 206,133 | +126.6% | $15.4M | 2026-Q1 |
| DEUTSCHE BANK AG\ | TRIM | 587,181 | 163,154 | -72.2% | $12.2M | 2026-Q1 |
| SCHRODER INVESTMENT MANAGEMENT GROUP | NEW | — | 138,112 | — | $10.1M | 2026-Q1 |
| Hudson Bay Capital Management LP | TRIM | 253,251 | 131,602 | -48.0% | $9.9M | 2026-Q1 |
| CAPITAL FUND MANAGEMENT S.A. | ADD | 94,575 | 126,344 | +33.6% | $9.5M | 2026-Q1 |
| VICTORY CAPITAL MANAGEMENT INC | NEAR_EXIT | 633,734 | 114,292 | -82.0% | $8.6M | 2026-Q1 |
| ExodusPoint Capital Management, LP | DOUBLED | 8,275 | 96,761 | +1069.3% | $7.2M | 2026-Q1 |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | DOUBLED | 42,121 | 94,320 | +123.9% | $7.1M | 2026-Q1 |
| MACKENZIE FINANCIAL CORP | ADD | 39,931 | 63,658 | +59.4% | $4.8M | 2026-Q1 |
| EXCHANGE TRADED CONCEPTS, LLC | TRIM | 76,017 | 51,128 | -32.7% | $3.8M | 2026-Q1 |
| Universal- Beteiligungs- und Servicegesellschaft mbH | DOUBLED | 9,081 | 47,965 | +428.2% | $3.6M | 2026-Q1 |
| Tweedy, Browne Co LLC | ADD | 19,659 | 31,262 | +59.0% | $2.3M | 2026-Q1 |
| PICTON MAHONEY ASSET MANAGEMENT | DOUBLED | 11,283 | 25,166 | +123.0% | $1.9M | 2026-Q1 |
| Mariner, LLC | ADD | 11,536 | 17,745 | +53.8% | $1.3M | 2026-Q1 |
| FIFTH THIRD BANCORP | DOUBLED | 297 | 17,566 | +5814.5% | $1.3M | 2026-Q1 |
| Horizon Investments, LLC | ADD | 9,680 | 14,736 | +52.2% | $1.1M | 2026-Q1 |
| CANADA PENSION PLAN INVESTMENT BOARD | ADD | 5,700 | 10,300 | +80.7% | $771.4K | 2026-Q1 |
| CWM, LLC | DOUBLED | 3,751 | 10,166 | +171.0% | $761.3K | 2026-Q1 |
| Cerity Partners LLC | ADD | 6,909 | 9,597 | +38.9% | $718.7K | 2026-Q1 |
| HighTower Advisors, LLC | TRIM | 10,464 | 7,290 | -30.3% | $546.0K | 2026-Q1 |
| WEALTH ENHANCEMENT ADVISORY SERVICES, LLC | DOUBLED | 2,980 | 6,956 | +133.4% | $507.9K | 2026-Q1 |
| FEDERATED HERMES, INC. | TRIM | 16,940 | 5,820 | -65.6% | $435.9K | 2026-Q1 |
6 unique insiders with 7 transactions. Net insider value: -$946.9K ($60.3K bought, $1.0M sold).
Insider Transactions
| Date | Insider | Title | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| May 29, 2026 | Andretta Ralph J | President and CEO | SELL | 1,500 | $88.23 | $132.3K |
| May 21, 2026 | Fawcett John J. | Director | BUY | 698 | $86.43 | $60.3K |
| Apr 24, 2026 | BALLOU ROGER H | Director | SELL | 9,687 | $90.32 | $874.9K |
| Apr 15, 2026 | Gerspach John C | Director | AWARD | 483 | — | — |
| Feb 19, 2026 | BALLOU ROGER H | Director | GIFT | 1,351 | — | — |
| Feb 17, 2026 | Beberman Perry S | EVP, Chief Financial Officer | TAX W/H | 22,516 | $73.05 | $1.6M |
| Feb 17, 2026 | Campbell Jonathan Bryan | SVP, Chief Accounting Officer | AWARD | 1,728 | — | — |
11 SEC filing reports analyzed. Sentiment: 1 bullish, 2 bearish, 0 mixed, 8 neutral. Avg impact: 4.4/10.
NEUTRAL
PRESS-RELEASE
2/10
Bread Financial published its 2025 Sustainability Report, highlighting credit rating upgrades from M
May 20, 2026
NEUTRAL
8-K
4/10
Bread Financial provided an April 2026 monthly credit performance update. Net principal loss rate im
May 15, 2026
NEUTRAL
8-K
4/10
Bread Financial Holdings issued 4,800,000 depositary shares (Series B Preferred Stock) at $25 per sh
May 12, 2026
NEUTRAL
8-K
4/10
Bread Financial announced the launch of an underwritten public offering of depositary shares represe
May 5, 2026
BEARISH
8-K
5/10
Bread Financial Holdings provided a performance update for March 2026, reporting a net principal los
Apr 23, 2026
BULLISH
8-K
8/10
Bread Financial reported strong Q1 2026 results with earnings per share of $4.15, a 50% year-over-ye
Apr 23, 2026
BEARISH
PRESS-RELEASE
8/10
Bread Financial reported Q1 2026 EPS of $1.16, missing consensus of $3.05 by 62%, marking a signific
Apr 23, 2026
NEUTRAL
PRESS-RELEASE
3/10
Bread Financial announced a quarterly dividend of $0.23 per share on common stock and $21.56 per sha
Apr 23, 2026
NEUTRAL
PRESS-RELEASE
3/10
Bread Financial issued a press release announcing an upcoming earnings call for Q1 2026, but provide
Apr 7, 2026
NEUTRAL
DEFA14A
3/10
The filing is a definitive proxy statement for Bread Financial Holdings, Inc.'s 2026 annual meeting.
Apr 7, 2026
NEUTRAL
8-K
4/10
Bread Financial Holdings, Inc. announced a $600 million increase to its existing share repurchase au
Feb 26, 2026
Current analyst consensus: Hold (45% buy). Based on 22 analysts: 4 strong buy, 6 buy, 10 hold, 2 sell, 0 strong sell.
Analyst Price Targets
$97.00 mean target
-4.6% upside
Hold (2.33)
$70.00 Low
$115.00 High
| Metric | Value |
|---|---|
| Current Price | $101.71 |
| Target Low | $70.00 |
| Target Mean | $97.00 |
| Target Median | $98.50 |
| Target High | $115.00 |
| # Analysts | 16 |
| Recommendation | Hold (2.33) |
Earnings Estimates & Revisions
| Period | EPS Avg | EPS Low | EPS High | EPS Growth | 30d Rev. | Up/Down | Rev. Avg | Rev. Growth | Analysts |
|---|---|---|---|---|---|---|---|---|---|
| Current Q 2026-06-30 |
$2.75 | $2.31 | $3.06 | -12.4% | +1.4% | 1↑ 1↓ | $1.0B | 3.0% | 10 |
| Next Q 2026-09-30 |
$3.15 | $2.57 | $4.02 | -21.8% | +1.3% | 0↑ 2↓ | $1.0B | 2.2% | 10 |
| Current FY 2026-12-31 |
$11.33 | $10.84 | $12.09 | -6.8% | +0.6% | 1↑ 2↓ | $3.9B | 2.7% | 11 |
| Next FY 2027-12-31 |
$12.45 | $10.78 | $14.34 | 9.9% | +0.8% | 2↑ 1↓ | $4.1B | 3.7% | 12 |
Current Quarter EPS Revision History
| Timepoint | EPS Estimate | Change |
|---|---|---|
| Current | $2.750 | |
| 7d ago | $2.732 | +0.018 |
| 30d ago | $2.713 | +0.037 |
| 60d ago | $2.794 | -0.044 |
| 90d ago | $2.701 | +0.049 |
9 analyst firms have rated this stock: 1 upgrades, 0 downgrades, 2 initiations.
Individual Analyst Actions
| Date | Analyst Firm | Action | Previous Rating | New Rating |
|---|---|---|---|---|
| Jun 11, 2026 | RBC Capital | MAINTAIN | Sector Perform | Sector Perform |
| May 22, 2026 | Loop Capital | INITIATE | — | Buy |
| Apr 29, 2026 | Evercore ISI Group | MAINTAIN | Outperform | Outperform |
| Apr 24, 2026 | Barclays | MAINTAIN | Underweight | Underweight |
| Apr 24, 2026 | TD Cowen | MAINTAIN | Hold | Hold |
| Apr 24, 2026 | Keefe, Bruyette & Woods | MAINTAIN | Outperform | Outperform |
| Apr 23, 2026 | BTIG | MAINTAIN | Buy | Buy |
| Apr 16, 2026 | Morgan Stanley | UPGRADE | Underweight | Equal-Weight |
| Apr 6, 2026 | Evercore ISI Group | MAINTAIN | Outperform | Outperform |
| Apr 6, 2026 | Barclays | MAINTAIN | Underweight | Underweight |
| Jan 30, 2026 | TD Cowen | MAINTAIN | Hold | Hold |
| Jan 30, 2026 | Morgan Stanley | MAINTAIN | Underweight | Underweight |
| Jan 30, 2026 | Barclays | MAINTAIN | Underweight | Underweight |
| Jan 30, 2026 | BTIG | REITERATE | Buy | Buy |
| Jan 20, 2026 | Morgan Stanley | MAINTAIN | Underweight | Underweight |
| Jan 8, 2026 | TD Cowen | MAINTAIN | Hold | Hold |
| Jan 8, 2026 | UBS | INITIATE | — | Buy |
| Jan 6, 2026 | Barclays | MAINTAIN | Underweight | Underweight |
| Jan 2, 2026 | Keefe, Bruyette & Woods | MAINTAIN | Outperform | Outperform |
Monthly Consensus History
| Period | Strong Buy | Buy | Hold | Sell | Strong Sell | Buy % | Distribution |
|---|---|---|---|---|---|---|---|
| Jun 1, 2026 | 4 | 6 | 10 | 2 | 0 | 45% | |
| May 1, 2026 | 4 | 6 | 10 | 2 | 0 | 45% | |
| Apr 1, 2026 | 4 | 6 | 9 | 3 | 0 | 45% | |
| Mar 1, 2026 | 4 | 6 | 9 | 3 | 0 | 45% | |
| Feb 1, 2026 | 4 | 5 | 10 | 3 | 0 | 41% | |
| Jan 1, 2026 | 4 | 5 | 8 | 4 | 0 | 43% |
Strong BuyBuyHoldSellStrong Sell
No congressional trading data available for this ticker. Data is sourced from Senate and House financial disclosure filings.
No Reddit sentiment data available yet. Sentiment is analyzed from Reddit investment communities on a rolling basis.
Jun 10, 2026
other
Bread Financial Provides Performance Update for May 2026
<p>COLUMBUS, Ohio, June 10, 2026 (GLOBE NEWSWIRE) -- <a href="https://www.globenewswire.com/Tracker?data=wPdtGDCqL2hPwjzOoShVyp2A9viyhnq_sOsWUV8aZP1
Jun 3, 2026
other
Bread Financial to Participate in the Morgan Stanley US Financials Conference
<p>COLUMBUS, Ohio, June 03, 2026 (GLOBE NEWSWIRE) -- <a href="https://www.globenewswire.com/Tracker?data=ME_lpAj3McNllRa3Udr0E0BqUyRu5IwMLRls_Ria7Cj
May 20, 2026
earnings
Bread Financial launches 2025 Sustainability Report
Annual report highlights key achievements across sustainability priorities <pre>Annual report highlights key achievements across sustainability priori
May 15, 2026
other
Bread Financial Provides Performance Update for April 2026
<p>COLUMBUS, Ohio, May 15, 2026 (GLOBE NEWSWIRE) -- <a href="https://www.globenewswire.com/Tracker?data=0G481GdTKUPnrtmshCu9Ov0ogputOH9dTFNfON2tdS3E
May 6, 2026
offering
Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series B Preferred Stock
<p>COLUMBUS, Ohio, May 05, 2026 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today
May 5, 2026
offering
Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series B Preferred Stock
<p align="left">COLUMBUS, Ohio, May 05, 2026 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) ann
Apr 24, 2026
short_interest
FTD: BFH — 90,518 shares ($8.3M) failed to deliver
Settlement: 20260424, Price: $92.12, FTD Value: $8,338,518.16, BREAD FINANCIAL HOLDINGS INC.
Apr 23, 2026
other
Bread Financial Provides Performance Update for March 2026
<p align="left">COLUMBUS, Ohio, April 23, 2026 (GLOBE NEWSWIRE) -- <a href="https://www.globenewswire.com/Tracker?data=7xzctJoxnxSPh0y-LTyZ9YScJsnrx
Apr 23, 2026
earnings
Bread Financial Reports First Quarter 2026 Results
<p>COLUMBUS, Ohio, April 23, 2026 (GLOBE NEWSWIRE) -- <a href="https://www.globenewswire.com/Tracker?data=aUc1QwlSIgEf0suHq97n9Rty_M_N4D7M6d77Oiq8wt
Apr 23, 2026
earnings
Bread Financial Declares Dividends on Preferred and Common Stock
<p>COLUMBUS, Ohio, April 23, 2026 (GLOBE NEWSWIRE) -- <a href="https://www.globenewswire.com/Tracker?data=MrDyPLAcXoU1hH4M-eJhye6ExsNrHb7dowNlxJQiph
Apr 23, 2026
earnings_calendar
BFH Q1 2026 Earnings Before Market Open — 2026-04-23
Apr 17, 2026
short_volume
Short Volume: BFH — 61.0% short (0.3M / 0.5M)
Short: 319,907 | Exempt: 12,965 | TRF Vol: 524,766 | Short Ratio: 61.0% | Off-exchange volume (dark pool + OTC)
Apr 7, 2026
earnings
Bread Financial Schedules First Quarter 2026 Earnings Conference Call for Apr. 23
<p>COLUMBUS, Ohio, April 07, 2026 (GLOBE NEWSWIRE) -- <a href="https://www.globenewswire.com/Tracker?data=pZh0aUOBkmYDqzueZUFv-4G0OZQbkD4omHgo_oQBu0
Mar 16, 2026
short_interest
FTD: BFH — 15,226 shares ($1.1M) failed to deliver
Settlement: 20260316, Price: $71.53, FTD Value: $1,089,115.78, BREAD FINANCIAL HOLDINGS INC.
Mar 12, 2026
short_interest
FTD: BFH — 29,679 shares ($2.2M) failed to deliver
Settlement: 20260312, Price: $74.09, FTD Value: $2,198,917.11, BREAD FINANCIAL HOLDINGS INC.