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NYSE · BFHFinancialsBanking & Credit

Bread Financial Holdings, Inc. (BFH)

$104.83−1.35%
Close Nov 4, 2026 · split-adjusted
Nov 3, 2026$106.26▲ 67.08% in range
Nov 3, 2025Low $59.98 · High $113.40Nov 3, 2026
What changed · written from our data
As of Nov 4, 2026

Bread Financial Holdings closed at $104.83 on Nov 4, down 1.35%, 7.6% below its 52-week closing high. Volume of 1.1M shares was 1.87× its 20-day average (above normal).

Split-adjusted performance: +7.2% over one month, +18.7% over six months, +64.8% over one year.

In the quarter ended Sep 30, 2026, revenue was $1.25B, up 4.7% from a year earlier, with a net margin of 12.0%.

Short interest was 3.4M shares at the Oct 15 settlement, up 5.2% from the prior report (9.0% of float, 6.4 days to cover).

Market cap$3.98B38.0M shares
Revenue · quarter$1.25B+4.7% YoY
Diluted EPS$3.82−3.5% YoY
P/E · TTM7.6×P/S 0.8×
Net margin12.0%Gross 88.2%
Dividend yield0.88%$0.23 last paid
52-week range59.98 – 113.40−7.6% from high
Volume1.1M1.87× 20-day avg
Volatility · 60d34.7%Annualised
Short % of float9.0%6.4 days to cover
Net cash$827.0MCash $3.96B
Next earnings—Not scheduled
Split-adjusted performance
1W +0.1%1M +7.2%3M −4.7%6M +18.7%YTD +41.6%1Y +64.8%3Y +286.3%5Y —

Earnings reactions

History →

No reported quarters with price history yet.

Rank within Banking & Credit

Percentile among 435 companies (100 = best)

6-month momentum81
Revenue growth48
Net margin29
Value (low P/E)92
Size81

Industry medians: 6-month return +7.4%, revenue growth +5.2%, net margin 18.2%, P/E 12.5×.

Short interest

Details →
Shares short3.4M+5.2% vs prior
Days to cover6.4Settled Oct 15
% of float9.0%
Short vol. 10d71.3%of daily volume

Closest peers by size in Banking & Credit

CompanyPriceToday6MRev. growthNet marginP/EMkt cap
BFHBread Financial Holdings$104.83−1.35%+18.7%+4.7%12.0%7.6$3.98B
FBPFirst BanCorp.$26.53+1.07%+9.3%+4.6%29.7%10.7$4.00BCompare
INDBIndependent Bank Corp/MA$86.42+3.06%+9.9%+31.4%24.7%15.1$4.09BCompare
BANFBancfirst$114.99+2.93%+0.4%+5.4%26.7%15.4$3.87BCompare
CORZCore Scientific$12.76−10.39%−48.2%+108.8%−658.4%—$4.10BCompare
CVBFCVB Financial$23.37+1.92%+13.3%+37.9%22.0%19.9$4.10BCompare
WSFSWSFS Financial$81.08+1.48%+12.4%+1.6%24.3%12.9$4.14BCompare
WSBCWesBanco$39.67+2.14%+15.2%+1.7%22.9%11.5$3.81BCompare
GPGIGPGI$12.78+9.42%−26.8%———$3.70BCompare

News about Bread Financial Holdings

All news →
Bread Financial: 3 Key Takeaways for Long-Term InvestorsThe Motley Fool · 6d ago▲ PositiveBread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series C Preferred StockGlobeNewswire Inc. · Oct 27, 2026▲ PositiveBFH vs. BAM: Which Stock Is the Better Value Option?Zacks Investment Research · Oct 27, 2026▲ PositiveWhy Bread Financial Holdings (BFH) is a Top Momentum Stock for the Long-TermZacks Investment Research · Oct 27, 2026▲ PositiveBread Financial Holdings (BFH) Surpasses Q3 Earnings and Revenue EstimatesZacks Investment Research · Oct 22, 2026Neutral

Quick answers

What does Bread Financial Holdings do?
Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business, which partners with retailers to jointly market Bread's credit cards to their customers.
What is BFH's market cap?
$3.98B, based on the Nov 4 close of $104.83.
What is BFH's P/E ratio?
7.6× trailing-twelve-month earnings of $527M.
Does Bread Financial Holdings pay a dividend?
Yes. The latest regular dividend was $0.23 per share (ex-date Aug 31), an annualised yield of 0.88%.
How much of BFH is sold short?
3.4M shares, 9.0% of float, as of Oct 15, 2026.
What sector is BFH in?
Financials, in the Banking & Credit industry.

About Bread Financial Holdings

Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business, which partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

HQ: Columbus, OH6,000 employeesListed Jun 7, 2001breadfinancial.com

Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology