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- $3.7BMarket Cap
- 53.56%1-Year Change
- Credit ServicesIndustry
Brd Fin Hldg (BFH)
Key Performance
More- Earnings Score: 49
- Momentum Score: 68
- True Yield: 58
- Financial Health Score: 84
Latest Research & News
Bread Financial Provides Performance Update for October 2026
Bread Financial Holdings (NYSE: BFH) released a performance update for October 2026 showing improved credit quality metrics. The company reported a net principal loss rate of 6.69% (down from 7.50% year-over-year) and a delinquency rate of 5.64% (down from 6.05%). Average credit card and other loans grew 6.9% year-over-year to $18.8 billion, indicating business expansion despite improving credit performance.
11/10/2026, 5:00 PM • GlobeNewswire
Bread Financial: 3 Key Takeaways for Long-Term Investors
Bread Financial reported Q3 2026 results with a 5% revenue increase and improved full-year credit outlook. The company lowered its net loss rate guidance to below 7% due to higher-quality cardholder portfolios, secured multiyear partner renewals with profit-sharing structures, and consolidated banking subsidiaries to strengthen its balance sheet and deposit funding capabilities.
10/29/2026, 2:00 PM • The Motley Fool
Bread Financial Holdings, Inc. (NYSE: BFH) announced the pricing of 5 million depositary shares representing interests in its 9.375% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C, at $25 per depositary share. The offering is expected to generate approximately $120.2 million in net proceeds, with closing expected on November 3, 2026. The company intends to use proceeds for general corporate purposes, including potential contributions to its subsidiary Comenity Capital Bank and share repurchases.
10/27/2026, 7:52 PM • GlobeNewswire
Credit Card Balances 90 Days Late Have Nearly Doubled Since 2022. New Delinquencies Have Not Moved.
While 90-day delinquent credit card balances have nearly doubled since 2022, reaching levels not seen since the Great Recession, a Federal Reserve analysis reveals the situation is more nuanced. New delinquency rates have remained stable since 2024, suggesting most consumers are managing through the difficult period. The increase in 90-day delinquencies appears driven by lenders reporting delinquent debts longer before charging them off, rather than a surge in new defaults. Financial strain is concentrated among those already struggling.
08/26/2026, 10:15 PM • The Motley Fool
Bread Financial Provides Performance Update for June 2026
Bread Financial Holdings, Inc. (NYSE: BFH) provided a performance update for Q2 2026, reporting a net principal loss rate of 6.98% for the three-month period and a delinquency rate of 5.25% as of June 30, 2026. The company showed year-over-year growth in average credit card and other loans of 2.9%, while delinquency rates improved compared to the prior year period (5.73% in June 2025). The company also declared dividends on preferred and common stock.
07/23/2026, 6:55 AM • GlobeNewswire
Bread Financial Reports Second Quarter 2026 Results
Bread Financial Holdings, Inc. (NYSE: BFH) announced its second quarter 2026 financial results on July 23, 2026. The company's leadership will host a conference call to discuss the results. Bread Financial also declared dividends on preferred and common stock and provided a performance update for June 2026.
07/23/2026, 6:50 AM • GlobeNewswire
Bread Financial Declares Dividends on Preferred and Common Stock
Bread Financial Holdings, Inc. announced quarterly dividend declarations for Q3 2026 across its preferred stock Series A and B, and common stock. Series A preferred stockholders will receive $21.56 per share, Series B will receive $30.32 per share, and common stockholders will receive $0.23 per share, all payable on September 15, 2026.
07/23/2026, 6:45 AM • GlobeNewswire
Synchrony’s Comeback Is Hiding in Plain Sight
Synchrony Financial, a major private-label credit card issuer, is showing strong recovery with Q1 2026 earnings up 6% YoY and diluted EPS up 20%. The company's net charge-off rate fell to 5.42% from 6.38% year-over-year, and it returned $1 billion to shareholders in Q1. Despite a 10% pullback since January, analysts rate it a Moderate Buy with an average 12-month price target of $86.05 (20% upside from ~$70). The company increased its quarterly dividend by 13% and approved a $6.5 billion share repurchase authorization.
06/10/2026, 11:03 AM • Investing
Why This Fund Sold $4.7 Million in Bread Financial Amid a Staggering Stock Surge
Brooktree Capital Management sold 63,530 shares of Bread Financial Holdings (BFH) worth approximately $4.68 million in Q1 2026. Despite the sale, the move appears to be routine portfolio management following BFH's impressive 76.5% year-over-year stock surge. Bread Financial reported strong Q1 results with net income up $43 million and diluted EPS jumping 50% to $4.15, along with improving credit metrics and aggressive share buybacks.
05/06/2026, 1:16 PM • The Motley Fool
What's Going On With Ford Motor Shares On Monday?
Ford Motor shares rose 2% in premarket trading on Monday following announcements of a multiyear exclusive partnership with Major League Baseball and a co-branded credit card program with Bread Financial Holdings. Despite positive partnerships aimed at community engagement and customer loyalty, technical analysis shows the stock trading below its moving averages with oversold RSI but bearish MACD signals, indicating mixed momentum.
03/23/2026, 10:02 AM • Benzinga
Bread Financial Provides Performance Update for February 2026
Bread Financial Holdings reported improved credit performance metrics for February 2026, with net principal loss rate declining to 7.7% from 8.6% year-over-year and delinquency rate improving to 5.8% from 6.2%. Average credit card and other loans grew 1% year-over-year to $18.3 billion.
03/11/2026, 7:00 AM • GlobeNewswire
Bread Financial Provides Performance Update for January 2026
Bread Financial Holdings (NYSE: BFH) reported improved credit performance metrics for January 2026, with net principal loss rate declining to 7.1% from 7.8% year-over-year and delinquency rate improving to 5.9% from 6.1%. The company maintains stable average credit card and other loans at approximately $18.5 billion.
02/10/2026, 7:00 AM • GlobeNewswire
Bread Financial Declares Dividends on Preferred and Common Stock
Bread Financial Holdings Inc. announced that its Board of Directors declared quarterly dividends for Q1 2026. The company will pay a $0.23 per share dividend on common stock and $26.35 per share on its 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, both payable on March 16, 2026.
01/29/2026, 6:45 AM • Benzinga
American Express Sells Off as Markets Price Policy Risk Ahead of Details
American Express and other financial stocks tumbled following President Trump's announcement of a proposed 10% cap on credit card interest rates. AXP fell 5.03% to $356.75, while major banks and consumer finance companies experienced broader selloffs. Analysts warn the cap would severely hurt revenue and profits for credit card issuers, potentially forcing them to raise fees and reduce credit availability.
01/12/2026, 11:43 AM • Investing
Bread Financial is launching a public offering of depositary shares representing interests in its Series A Preferred Stock, expecting to raise approximately $72.6 million for general corporate purposes.
11/20/2025, 8:33 PM • GlobeNewswire
Peers
Statistics
MoreInformation as of 11/10/2026
Company Profile
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.
Key Executives
- Ralph J. Andretta
- Allegra Driscoll
- Perry S. Beberman
- Valerie E. Greer
- Joseph L. Motes
Current Ownership Distribution
- Mutual Funds2.3B (73.13%)
- Institutions852.2M (26.54%)
- Insiders10.4M (0.33%)
- Other0 (0.00%)