Stock Taper 
BFH
$105.74
▼ DOWN 2.12% (-2.29)
KEY STATISTICS
Market Cap$4.27 B
52w High$114.53
52w Low$53.83
Dividend Yield0.88%
FrequencyQuarterly
P/E7.89
Volume476.69K
Shares Out.40.41M
COMPANY
LEADERSHIP
CHIEF EXECUTIVE
Ralph J. Andretta
COMPENSATION 2026
Salary$1,196,539
Stock Awards$7,019,369
Incentive Plan Pay$3,430,800
All Other Comp.$274,523
Total$11,921,231
ABOUT
SECTOR
Financial Services
WENT PUBLIC
June 7, 2001
METHOD OF GOING PUBLIC
IPO
FULL TIME EMPLOYEES
6,000
PRICE TARGET
Target High$132.00
Target Low$104.00
Target Median$115.50
Target Consensus$116.70
UPCOMING EARNINGS
DateOct 22, 2026
DayThursday
Rev. Est.$1.01B
OCT
22
THU
SPLIT RECORD
| DATE | TYPE | RATIO |
|---|---|---|
| 2021-11-08 | Forward | 1253:1000 |
PRICE
$105.74 ▼ DOWN 2.12% (−$2.29)About Bread Financial Holdings, Inc.
https://www.breadfinancial.com ↗Bread Financial offers innovative payment and lending solutions, including credit cards, loans, BNPL, and digital tools, serving North American consumers and merchants through private label, co-brand, and partner programs.
INDUSTRY
Financial - Credit Services
A PRODUCT BREAD FINANCIAL HOLDINGS, INC. IS KNOWN FOR
Bread Cashback American Express® Credit Card
Bread Financial's direct-to-consumer credit card offers unlimited 2% cash back with no annual or foreign transaction fees, emphasizing simple, transparent financial products under its own brand alongside co-branded credit solutions.
Revenue by Products
| Icon | PRODUCT | FY2017 | FY2018 | FY2019 | FY2020 |
|---|---|---|---|---|---|
 | Private Label Services And Credit | $4.17B | — | — | — |
 | Epsilon | $2.27B | — | — | — |
 | Loyalty One | $1.3B | — | — | — |
 | Technology Service | — | $1.02B | — | — |
 | Digital Media Services | — | $772M | — | — |
 | Short Term Loyalty Programs | — | $613.8M | $635.5M ▲ | $487.7M ▼ |
 | Agency Services | — | $329.7M | — | — |
 | Coalition Loyalty Program | — | $352.3M | $290.1M ▼ | $262.5M ▼ |
 | Other | — | $90.8M | $95.3M ▲ | $1.9M ▼ |
 | Servicing Fees Net | — | -$97.3M | -$180.7M ▼ | -$174.9M ▲ |
Revenue by Geography
| Map | REGION | Q4-2020 | Q1-2021 | Q2-2021 | Q3-2021 |
|---|---|---|---|---|---|
 | U | $880.5M | $909.2M ▲ | $863M ▼ | $929.9M ▲ |
| C | $72.8M | $80M ▲ | $73.6M ▼ | $76M ▲ |
 | EMEA | $136.4M | $79.4M ▼ | $52.5M ▼ | $68.1M ▲ |
 | Asia Pacific | $17.5M | $14.9M ▼ | $19.8M ▲ | $23M ▲ |
 | Other Geographic Regions | $2.7M | $1.4M ▼ | $3.5M ▲ | $2.3M ▼ |
ETFS HOLDING THIS STOCK
ETFS HOLDING
244
LISTED HERE
26
RANKED BY POSITION SIZE
INSTITUTIONAL OWNERSHIP
SHARES OWNED
82.46%
HOLDERS
523
TOP 12 OF 523 · RANKED BY POSITION SIZE
Vanguard Group Inc
Turtle Creek Asset Management Inc.
Blackrock Inc.
Blackrock, Inc.
Dimensional Fund Advisors LP
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State Street Corp
American Century Companies Inc
Allianz Asset Management Gmbh
Arrowstreet Capital, Limited Partnership
Geode Capital Management, LLC
Goldman Sachs Group Inc
RATINGS SNAPSHOT
Overall rating: B+
Discounted Cash Flow3
Return On Equity4
Return On Assets4
Debt To Equity2
Price To Earnings3
Price To Book2
Overall Score3
INSIDER TRADES
★
DIRECTOR
Lakhwara Praniti
Sale · 2.8K shares
2026-07-28
★
DIRECTOR
Gerspach John C
Purchase · 730 shares
2026-07-15
★
DIRECTOR
TURNEY SHAREN J
Purchase · 1.6K shares
2026-06-15
★
DIRECTOR
Gerspach John C
Purchase · 1.6K shares
2026-06-15
MOST RECENT ANALYST GRADES
GRADE SUMMARY
OUTPERFORM 3
BUY 3
EQUAL WEIGHT 2
SECTOR PERFORM 1
HOLD 1
NEUTRAL 1
UNDERWEIGHT 1
12 GRADES IN THE LAST 12 MONTHS
SECTORS PEERS
| PEER | PRICE | |
|---|---|---|
 ENVA | $232.72 | COMPARE |
 WSFS | $78.30 | COMPARE |
 WSBC | $40.42 | COMPARE |
 NMIH | $44.81 | COMPARE |
 BHF | $53.04 | COMPARE |
 TBBK | $65.70 | COMPARE |
 ETOR | $31.03 | COMPARE |
 WU | $7.24 | COMPARE |