Insider buying last 90 days
No open-market insider purchases were filed for BFH in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every BFH insider filing, plotted on the chart in Gekko.Open BFH in Gekko
NYSE: BFH
Bread Financial (BFH) Stock Analysis & Forecast
Sep 28 close
$101.25−1.66 (−1.6%)
Gekko Brief
AI summaryThis week's news around Bread Financial is thin on hard catalysts, with most coverage recycling commentary rather than new developments. One item noted shares down 4.9% to $102.69, described by an outside valuation model as trading well above its estimated fair value, while another characterized the stock as a "Strong Value" name. Beyond these mixed takes, no earnings, deal, product or regulatory news surfaced in the period.
BFH closes at $101.25, down 1.6%, with the stock sitting between its 50-day average of $106.98 and 200-day average of $88.70, reflecting a mixed trend picture. The GekkoIndex reads 63.5, placing it in the Accumulation zone. Against a Gekko Fair Value of $110.03, the current price sits 8% below that mark. Longer-term momentum remains strong, with the shares up 68.6% over one year, even as the past month and quarter show declines of 6.3% and 6.9% respectively.
Looking ahead, Bread Financial reports next on 22 October 2026, before the market open, which falls inside a typical 20-trading-day holding window and follows a quarter where EPS beat estimates 7 of the last 8 times. No insider, Congress or unusual options activity appears in the recent windows. Seasonality over the past 5 years shows the next 20 trading days averaging -1.6%, positive in 3 of those years, a pattern worth noting alongside the approaching earnings date.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Bread Financial price vs fair value
Close $101.25200-day averageGekko Fair Value $110.03
Bread Financial quick facts
- Market cap
- $4.09B
- P/E ratio
- 7.7
- Forward P/E
- 7.8
- EPS, TTM
- $12.89
- Revenue, TTM
- $2.67B
- Profit margin
- 21.4%
- Dividend yield
- 0.88%
- Beta
- 1.13
- Volume
- 505,080 avg 592,984
- 1-year return
- +68.6%
- Typical daily move
- ±3.6%
- Typical 20-day move
- ±8%
- 50-day average
- $106.98
- 200-day average
- $88.70
- Next earnings
- Oct 22 before open
- Shares outstanding
- 38.42M
Bread Financial swing-trade checklist
Bread Financial scores 2 supportive, 2 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive2 mixed1 headwind
- Trendmixed
Averages disagree
Close $101.25 sits between the 50-day ($106.98) and 200-day ($88.70) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
63.5, Accumulation
Reading 63.5 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
8.0% below
Price is 8% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 23 days
Reports on Oct 22, 2026, 23 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitymixed
−1.6% on average
From this point in the calendar, the next 20 trading days averaged −1.6% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Bread Financial stock chart and price history
Bread Financial closed at $101.25 on Sep 28, 2026, +68.6% over the past year, inside a 52-week range of $53.83 to $114.53.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −6.3%
- 3 months
- −6.9%
- 6 months
- +40.4%
- 1 year
- +68.6%
The full BFH chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open BFH in Gekko
Follow Bread Financial through every session
Put BFH on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.
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About Bread Financial
Bread Financial provides payment and credit services to consumers and businesses across North America. It finances credit cards and other lending products, handling risk assessment, account origination, and funding for roughly 130 private label and co-branded card programs, and it issues Comenity-branded general purpose cash-back cards.
The company manages the full life cycle of the loans it creates, spanning private label, co-brand, and general-purpose card portfolios, along with its Bread installment and split-pay lending products. It works with around 500 small and medium-sized businesses through its Bread partnerships, and beyond lending it offers marketing, data, and analytics support. Its digital tools include a unified software development kit that lets partners integrate its products and surface credit options earlier in the shopping process, plus a payments platform built on a set of application programming interfaces that lets merchants add online point-of-sale financing options like installment and split-pay.
Founded in Columbus, Ohio in 1996 and previously known as Alliance Data Systems Corporation before adopting its current name in March 2022, Bread Financial trades on the NYSE under the ticker BFH.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Finance/Rental/Leasing
- Website
- breadfinancial.com
Bread Financial GekkoIndex: the smart money zone
Bread Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 63.5, in the Accumulation zone, up 6.2 points over five sessions.
63.5Accumulation
Up 6.2 points over five sessions, from the Neutral zone.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 28 | +1.0% | +5.5% | ||
| Accumulation (current zone) | 128 | +2.5% | +8.2% | ||
| Neutral | 442 | +1.0% | +3.7% | ||
| Distribution | 72 | −0.4% | −0.8% | ||
| Selling | 2 | Too few readings yet | |||
Average BFH share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the BFH price, zone by zone.Track BFH in Gekko
Is Bread Financial stock overvalued? Gekko Fair Value
Bread Financial trades 8.0% below Gekko Fair Value of $110.03, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Bread Financial shares are worth, recalculated every trading day.
$110.03
Gekko Fair Value, Sep 25, 2026
8.0% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open BFH in Gekko
Bread Financial insider and Congress trading
No open-market insider purchases were filed for Bread Financial, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in BFH were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for BFH, plotted on the chart in Gekko.Open BFH in Gekko
Buybacks
Bread Financial has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $243.0M
- As a share of market cap
- 5.94%
- Trailing four quarters
- $559.0M
From company filings.
Hedge funds and billionaires quarter ended Jun 30
1of the funds Gekko tracks holds BFH.
0added0opened1trimmed0sold out
Which funds are on each side, name by name.Unlock in Gekko
Bread Financial earnings: next date and track record
Bread Financial reports on Oct 22, 2026, before the open (23 days away), and beat the EPS estimate in 7 of its last 8 reports.
Next earnings report
Oct 22, 2026
Expected before the open, 23 days away
- EPS estimate
- $3.46
- Revenue estimate
- $1.01B
7 of 8reports beat the EPS estimate
±3.9%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 23, 2026 AI summary
- What they said
- Bread Financial delivered strong Q2 2026 results with net income of $146 million and tangible book value per share up 22% YoY to $63.66. Adjusted PPNR grew 11% YoY on 7% revenue growth. Credit sales increased 11% YoY with 5% end-of-period loan growth to $18.5 billion. Direct-to-consumer deposits grew 16% YoY to $9.4 billion, reaching 50% of funding mix. New partnerships launched with Ford, Raymour & Flanigan, and Vivint.
- Guidance
- Management expressed confidence in business outlook despite macroeconomic uncertainty and persistent inflation. The company remains focused on responsible profitable loan growth, capital discipline, and strategic AI investments to drive sustainable long-term shareholder returns.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 23, 2026 | $3.55 est $2.52 | $993.0M est $959.3M | +2.4% |
| Apr 23, 2026 | $4.18 est $3.05 | $1.02B est $993.6M | −6.8% |
| Jan 29, 2026 | $2.07 est $0.40 | $975.0M est $953.3M | +6.4% |
| Oct 23, 2025 | $4.02 est $2.11 | $971.0M est $968.1M | +8.2% |
| Jul 24, 2025 | $3.14 est $1.85 | $926.0M est $973.9M | −1.4% |
| Apr 24, 2025 | $2.86 est $2.10 | $970.0M est $953.5M | +2.4% |
| Jan 30, 2025 | $0.41 est $0.32 | $925.0M est $973.6M | −0.5% |
| Oct 24, 2024 | $1.84 est $1.95 | $983.0M est $981.3M | −3.2% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Bread Financial stock forecast and analyst price targets
Analysts’ average 12-month price target for Bread Financial is $114.81, +13.4% from the last close, from 13 firms rating the stock in the last 90 days.
$114.81consensus 12-month target, +13.4% from the last close
Now $101.25Avg $114.81
Low $107High $132
Each firm’s latest rating in the last 90 days: 13 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 16 | Barclays | $109 | +7.7% |
| Sep 15 | TD Cowen | $114 | +12.6% |
| Sep 15 | Wells Fargo | $115 | +13.6% |
| Sep 15 | Bank of America Securities | $129 | +27.4% |
| Sep 11 | Wells Fargo | $115 | +13.6% |
+8.2%average 20-day move after past Accumulation readings
−1.6%average move over the next 20 trading days in the last 5 years
±3.6%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Bread Financial seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, Bread Financial averaged −1.6% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −3.1% | 1 of 5 |
| Next 10 trading days | −2.1% | 2 of 5 |
| Next 15 trading days | −2.4% | 2 of 5 |
| Next 20 trading days | −1.6% | 3 of 5 |
| Next 30 trading days | +7.6% | 3 of 5 |
For scale, BFH’s typical 20-trading-day move in either direction is about 8%.
Bread Financial market cap and key statistics
Bread Financial’s market cap is $4.09B, with a P/E ratio of 7.7 and revenue of $2.67B over the last twelve months.
Valuation
- Market cap
- $4.09B
- P/E ratio
- 7.7
- Forward P/E
- 7.8
- EPS, TTM
- $12.89
- Gekko Fair Value
- $110.03
Trading
- Volume
- 505,080
- Avg volume, 20 days
- 592,984
- 52-week high
- $114.53
- 52-week low
- $53.83
- Shares outstanding
- 38.42M
Financials
- Revenue, TTM
- $2.67B
- Profit margin
- 21.4%
- Return on equity
- 17.4%
- Quarterly earnings growth, YoY
- +21.2%
Risk and income
- Beta
- 1.13
- Typical daily move
- ±3.6%
- Typical 20-day move
- ±8%
- Dividend yield
- 0.88%
Bread Financial stock news this week
Coverage of Bread Financial this week reads neutral: 0 positive, 2 neutral and 1 negative headlines.
- Bread Financial Holdings, Inc. (BFH) Stock forecastsYahoo Finance UK, Sep 24
- Here's Why Bread Financial Holdings (BFH) is a Strong Value StockZacks Investment Research, Sep 24
- Bread Financial Holdings Inc (BFH) Stock Down 4.9% but Still Overvalued -- GF Score: 65/100GuruFocus, Sep 22
- Bread Financial Holdings, Inc. (BFH) latest stock news and headlines – Yahoo FinanceYahoo Finance Singapore, Sep 21
Bread Financial peers
Bread Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| VVisa | Neutral | 5.4% below |
| MAMastercard | Neutral | 6.5% below |
| AXPAmerican Express | Accumulation | 12.9% below |
| COFCapital One Financial | Accumulation | 14.8% below |
| URIUnited Rentals | Neutral | 9.0% below |
| RKTRocket Companies | Accumulation | 23.5% below |
A peer links to its own page where one exists.
Bread Financial stock FAQ
What is Bread Financial’s market cap?
Bread Financial’s market cap is $4.09B at the Sep 28, 2026 close of $101.25, with 38.42M shares outstanding. The shares trade on a P/E ratio of 7.7.
What is the Bread Financial stock forecast?
The consensus analyst 12-month price target for Bread Financial is $114.81, +13.4% from the last close. Of the 13 firms that rated the stock in the last 90 days, 7 rate it a buy, 6 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Bread Financial stock overvalued or undervalued?
On Gekko’s estimate Bread Financial is undervalued: the Sep 28, 2026 close of $101.25 is 8.0% below Gekko Fair Value of $110.03. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Bread Financial report earnings next?
Bread Financial is expected to report on Oct 22, 2026, before the market opens (23 days away). Analysts expect earnings of $3.46 per share on revenue of $1.01B. Bread Financial beat the earnings estimate in 7 of its last 8 reports, moving 3.9% on average across the report.
What is Bread Financial’s 52-week high and low?
Bread Financial’s 52-week high is $114.53 and its 52-week low is $53.83; it closed at $101.25 on Sep 28, 2026, +68.6% over the past year.
Is Bread Financial stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (gekkoindex and fair value), 2 as mixed (trend and seasonality) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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