Audited annual filings, TTM ratios and consensus forward estimates
Wall Street price targets and rating actions
Revenue disaggregation per 10-K filing
Annual filings (FY) with consensus forward estimates (hatched)
Current price $99.89
Latest analyst grade actions
| Date | Firm | Action | Previous | New grade |
|---|---|---|---|---|
| Oct 23, 26 | TD Cowen | maintain | Hold | Hold |
| Oct 23, 26 | Barclays | maintain | Equal Weight | Equal Weight |
| Oct 6, 26 | TD Cowen | maintain | Hold | Hold |
| Oct 5, 26 | Barclays | maintain | Equal Weight | Equal Weight |
| Oct 1, 26 | Evercore ISI Group | maintain | Outperform | Outperform |
| Aug 25, 26 | Wolfe Research | upgrade | Peer Perform | Outperform |
| Aug 3, 26 | UBS | maintain | Buy | Buy |
| Jul 28, 26 | Evercore ISI Group | maintain | Outperform | Outperform |
| Jul 24, 26 | RBC Capital | maintain | Sector Perform | Sector Perform |
1255 daily bars · split adjusted
Daily · Wilder smoothing
Classic floor pivots from 2026-10-23
Computed from daily OHLCV bars
| Indicator | Value | Type | Action |
|---|---|---|---|
| RSI (14) | 45.18 | Oscillator | Neutral |
| Stochastic %K (14, 3, 3) | 57.56 | Oscillator | Neutral |
| Williams %R (14) | -74.36 | Oscillator | Neutral |
| MACD (12, 26, 9) | -0.18 (Hist 0.48) | Oscillator | Buy |
| Average Directional Index (14) | 16.16 (+DI 20.7 / -DI 27.5) | Trend | Neutral |
| EMA 20 | 102.22 | MA | Sell |
| SMA 20 | 100.73 | MA | Sell |
| EMA 50 | 102.91 | MA | Sell |
| SMA 50 | 104.39 | MA | Strong Sell |
| SMA 200 | 91.02 | MA | Strong Buy |
TTM vs. 5-year historical average (annual ratios)
| Metric | BFH | Historical (5Y) / ref | Status |
|---|---|---|---|
| P/E ratio (TTM) | 7.7x | 6.5x · sector 20.4x | Discount |
| Forward P/E (FY26E) | 7.7x | EPS est. 13.06 | In line |
| Price / Book | 1.1x | 1.0x | In line |
| Price / Sales | 0.8x | 0.6x | Elevated |
| EV / EBITDA | 4.0x | 8.3x | Discount |
| Return on equity | 15.9% | — | Healthy |
| Gross margin | 64.0% | 55.4% | Above hist. |
| Debt / Equity | 0.91 | 2.45 | Moderate |
| Piotroski / Altman Z | 8/9 | Z -0.04 | Distress |
Discounted cash flow model
FY2020 · 10-K disclosure
FY2020 · 10-K disclosure
SEC EDGAR filings · last 12 months
| Form | Filed | Accepted | Document |
|---|---|---|---|
| 8-K | Oct 22, 2026 | 2026-10-22 06:56:17 | View |
| 8-K | Oct 22, 2026 | 2026-10-22 06:46:33 | View |
| 4 | Oct 19, 2026 | 2026-10-19 16:24:28 | View |
| 4 | Sep 16, 2026 | 2026-09-16 13:37:50 | View |
| 8-K | Sep 15, 2026 | 2026-09-15 07:01:22 | View |
| 3 | Sep 10, 2026 | 2026-09-10 11:05:48 | View |
| 8-K | Sep 8, 2026 | 2026-09-08 16:32:48 | View |
| 8-K | Aug 17, 2026 | 2026-08-17 07:31:13 | View |
| SC 13G/A | Aug 14, 2026 | 2026-08-14 16:10:37 | View |
| 4 | Jul 29, 2026 | 2026-07-29 16:38:13 | View |
Proxy statement (DEF 14A) disclosures
Free float vs. closely held shares
13F institutional holdings are not available in the current data plan.
SEC Form 4 filings
| Date | Insider | Role | Type | Shares @ price | Value |
|---|---|---|---|---|---|
| Oct 15, 26 | Gerspach John C | director | A-Award | 704 | — |
Stock news · updated daily
Bread Financial Holdings' Series A Preferred offers an ~8.75% yield but trades near par, limiting capital appreciation potential. BFH.PR.A faces negative convexity and heightened interest-rate sensitivity, with risk-reward skewing unfavorably as the 2030 call date approaches. Credit exposure is slightly higher; BFH preferreds are rated B1/B-, however, shares benefit from a substantial common equity cushion.
Bread Financial NYSE: BFH reported third-quarter 2026 net income of $156 million, or $3.82 per diluted share, as loan growth, credit sales and improving credit performance supported revenue gains. The company also raised its quarterly dividend by 9% and repurchased $75 million of common stock during the quarter.
| Sep 14, 26 |
| Mccarthy Dennis James |
| officer: EVP, Chief Revenue Officer |
| P-Purchase |
| 16 @ $108.14 |
| $1.72K |
| Sep 1, 26 | Mccarthy Dennis James | officer: EVP, Chief Revenue Officer | 0 | — |
| Jul 28, 26 | Lakhwara Praniti | director | S-Sale | 2,802 @ $106.12 | $297.3K |
| Jul 15, 26 | Gerspach John C | director | A-Award | 730 | — |
| Jun 15, 26 | Lakhwara Praniti | director | A-Award | 1,638 | — |
| Jun 15, 26 | Natarajan Rajesh | director | A-Award | 1,638 | — |
| Jun 15, 26 | St Clair Joyce | director | A-Award | 1,638 | — |
Reported EPS vs. consensus estimate
| Report date | EPS est. | EPS actual | Surprise | Revenue |
|---|---|---|---|---|
| Oct 22, 2026 | 3.34 | 3.84 | Beat 15.0% | $1.02B |
| Jul 23, 2026 | 2.74 | 3.55 | Beat 29.6% | $993.0M |
| Apr 23, 2026 | 3.00 | 4.18 | Beat 39.3% | $1.02B |
| Jan 29, 2026 | 0.40 | 2.07 | Beat 417.5% | $975.0M |
| Oct 23, 2025 | 2.11 | 4.02 | Beat 90.5% | $971.0M |
| Jul 24, 2025 | 1.85 | 3.14 | Beat 69.7% | $926.0M |