BFH
Bread Financial Holdings, Inc.NYSE
Financial Services • Credit Services
Factor tilt: Mid-Cap Momentum
$101.83-0.72%
Close Nov 6, 2026
- Market cap
- $4B
- 1 month
- +1.1%
- 3 months
- -6.1%
- 1 year
- +59.2%
- 52-week range
- $59.98$113.40
- Dividend, last 12 mo
- $0.92 · 0.90% yield
- Last ex-date
- Aug 31, 2026 · $0.23
- Dividend growth
- 1 year in a row
- Short interest
- 9.0% of float3.4M shares · settled Oct 15, 2026 · +5.2% since Sep 30, 2026 · FINRA
Fundamentals · trailing 12 months to Sep 30, 2026
- Revenue
- $4.79B
- Net income
- $536M
- Free cash flow
- —
- Book value
- $3.44B
- Total debt
- —
- P/E
- 7.5×
- Price / sales
- 0.8×
- Price / book
- 1.2×
- FCF yield
- —
- Net margin
- +11.2%
EODHD (TTM) · as of Nov 6, 2026
End-of-day close from stored market data, not a live quote.
About Bread Financial Holdings, Inc.
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.
Read more
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.
- Website
- breadfinancial.com
- Headquarters
- Columbus, OH, United States
- Employees
- 6,000
- Listed
- Jun 15, 2001
- Fiscal year ends
- December
Company profile from EODHD, stored Oct 29, 2026.
Quarterly results
The last 8 fiscal quarters as reported (EODHD). Year over year compares the same quarter a year earlier. Gross margin and operating income are not shown for a bank or insurer.
| Quarter | Revenue | YoY | Net income |
|---|---|---|---|
| Sep 2026filed Oct 22, 2026 | $1.2B | +3.0% | $156.0M |
| Jun 2026filed Jul 28, 2026 | $1.2B | +3.4% | $146.0M |
| Mar 2026filed Apr 28, 2026 | $1.2B | +1.3% | $181.0M |
| Dec 2025filed Feb 13, 2026 | $1.2B | +1.6% | $53.0M |
| Sep 2025filed Oct 28, 2025 | $1.2B | -3.4% | $188.0M |
| Jun 2025filed Jul 29, 2025 | $1.1B | -2.6% | $139.0M |
| Mar 2025filed Apr 29, 2025 | $1.2B | -3.6% | $138.0M |
| Dec 2024filed Feb 14, 2025 | $1.2B | -7.9% | $7.0M |
Fiscal years · last 6
| Fiscal year | Revenue | YoY | Net income |
|---|---|---|---|
| Dec 2025filed Feb 13, 2026 | $4.7B | +22.4% | $518.0M |
| Dec 2024filed Feb 14, 2025 | $3.8B | -10.5% | $277.0M |
| Dec 2023filed Feb 20, 2024 | $4.3B | +12.1% | $718.0M |
| Dec 2022filed Feb 28, 2023 | $3.8B | +17.0% | $223.0M |
| Dec 2021filed Feb 25, 2022 | $3.3B | -0.8% | $801.0M |
| Dec 2020filed Feb 26, 2021 | $3.3B | -1.5% | $214.0M |
Short-interest history
FINRA reports open short positions for a settlement date. The publication date is later. These are reported positions, with a separate date for each observation.
Compare the reported short exposure around the dates you bought, sold or watched BFH. A long position benefits from price rises; a short position benefits from falls. A change in these counts does not predict either move.
Settlement Oct 15, 2026
3,405,885 shares short
+168,159 shares (+5.2%) vs Sep 30, 2026
9% of the stored float. Published Oct 26, 2026.
Settlement Sep 30, 2026
3,237,726 shares short
+449,100 shares (+16.1%) vs Sep 15, 2026
8.6% of the stored float. Published Oct 9, 2026.
Settlement Sep 15, 2026
2,788,626 shares short
-303,979 shares (-9.8%) vs Aug 31, 2026
Share of float unavailable. Published Sep 24, 2026.
Settlement Aug 31, 2026
3,092,605 shares short
+394,025 shares (+14.6%) vs Aug 14, 2026
Share of float unavailable. Published Sep 10, 2026.
Settlement Aug 14, 2026
2,698,580 shares short
-59,797 shares (-2.2%) vs Jul 31, 2026
Share of float unavailable. Published Aug 25, 2026.
Settlement Jul 31, 2026
2,758,377 shares short
-138,708 shares (-4.8%) vs Jul 15, 2026
6.9% of the stored float. Published Aug 11, 2026.
Change = this settlement’s shares short − the previous recorded settlement’s shares short; percentage change divides by that earlier count. A zero earlier count has no percentage change. Split-spanning counts are left uncompared. Float percentages use the stored settlement observation, not today’s float.
Source: stored FINRA equity short-interest records, up to six settlements from the last 240 days. FINRA data and reporting dates · How to read short interest
Dividends and stock splits
See the recorded cash amounts and dates behind BFH’s income, and the splits that change its share count. Dates below are stored event records, not confirmation of a payment to your account.
Cash-dividend records
USD 0.25 per share
Ex-dividend date: Nov 30, 2026 (future recorded date)
Recorded pay date: Dec 15, 2026 (pending)
Cash dividend · Polygon event record
USD 0.23 per share
Ex-dividend date: Aug 31, 2026
Recorded pay date: Sep 15, 2026 (past date)
Cash dividend · Polygon event record
USD 0.23 per share
Ex-dividend date: May 29, 2026
Recorded pay date: Jun 15, 2026 (past date)
Cash dividend · Polygon event record
USD 0.23 per share
Ex-dividend date: Feb 27, 2026
Recorded pay date: Mar 16, 2026 (past date)
Cash dividend · Polygon event record
USD 0.23 per share
Ex-dividend date: Nov 7, 2025
Recorded pay date: Dec 12, 2025 (past date)
Cash dividend · Polygon event record
USD 0.21 per share
Ex-dividend date: Aug 8, 2025
Recorded pay date: Sep 12, 2025 (past date)
Cash dividend · Polygon event record
Up to six Polygon cash-dividend events, including recorded ex-dates within the next 120 days. Amounts retain their recorded currency and decimal precision. Historical amounts are not restated to a common split basis, annualized, or converted to dollars.
For a long holding, compare the ex-date with when you held the shares and check the pay date against your broker’s cash history. Owning the stock today does not establish past entitlement. For a short holding, a dividend can create a payment obligation to the share lender.
Ex-dates and special dividend rules · Short-sale dividend obligations · Dividend data definitions
Split history
1253 for 1000 · forward split
Effective Nov 8, 2021
Each 1000 pre-split shares become 1253 post-split shares.
Source: EODHD
1 for 4 · reverse split
Effective Jun 6, 2006
Each 4 pre-split shares become 1 post-split share.
Source: EODHD
Up to six stored split dates through Nov 7, 2026. Equivalent vendor ratios are combined; conflicting ratios are left out. This history may be incomplete.
A split changes the share count and per-share price basis; it does not by itself add investment value. Put your holding’s earlier and later share counts on the same basis before comparing them. This applies to both long shares and shares owed on a short position.
How stock splits workPortfolio context
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Smart money context
Holder IQ: MEDIUM
54 smart-money holders: institutions with a high Holder IQ
Q2 2026, filed Nov 3, 2026
Smart-money 13F trend: distributing (light)
Unlock crowding heatmapUnlock filer discoveryInsider context
Sentiment: bullish
Last trade: buy 8 days ago
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What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: bullish. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Red flags: 1
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: bullish. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Largest 13-F holders · Q2 2026
423 filers reported a long position in BFH for Q2 2026. 13-F holdings are filed up to 45 days after the quarter ends.
The top 10 hold
50.7%
of the 39.7M shares 13-F filers reported
Moves vs Q1 2026
3 added7 trimmed
Net shares held
-6%
across the 10 holders with a comparable Q1 2026 book
| Rank | Holder | Value | Shares | Shares vs Q1 2026 |
|---|---|---|---|---|
| 1 | BlackRock, Inc. | $421.3M · 3.9M shares | 3.9M | -8% |
| 2 | DIMENSIONAL FUND ADVISORS LP | $335M · 3.1M shares | 3.1M | +0.2% |
| 3 | VANGUARD PORTFOLIO MANAGEMENT LLC | $284.1M · 2.6M shares | 2.6M | -4.9% |
| 4 | AMERICAN CENTURY COMPANIES INC | $194.1M · 1.8M shares | 1.8M | +9.8% |
| 5 | Allianz Asset Management GmbH | $193.8M · 1.8M shares | 1.8M | +32.8% |
| 6 | VANGUARD CAPITAL MANAGEMENT LLC | $190.4M · 1.8M shares | 1.8M | -6% |
| 7 | STATE STREET CORP | $182.2M · 1.7M shares | 1.7M | -4.7% |
| 8 | Turtle Creek Asset Management Inc. | $142M · 1.3M shares | 1.3M | -46.1% |
| 9 | GEODE CAPITAL MANAGEMENT, LLC | $122.7M · 1.1M shares | 1.1M | -4.5% |
| 10 | ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $113.2M · 1M shares | 1M | -5.3% |
Sign in to see each holder’s Holder IQ, factor-adjusted Holder IQ and rank, and compare these holders with all scored filers. Available on every plan.
Sign in5% holder filings (13D / 13G)
Holders of more than 5% of BFH file with the SEC within days. A 13D holder may seek to influence the company; a 13G holder is passive. Each holder’s latest filing from the last three years.
| Filed | Holder | % of class |
|---|---|---|
| Aug 14, 2026 | Turtle Creek Asset Management Inc.13G · passive · amended | 3.2%under 5% |
| Apr 29, 2026 | VANGUARD PORTFOLIO MANAGEMENT LLC13G · passive | 6.48% |
| Apr 29, 2026 | VANGUARD CAPITAL MANAGEMENT LLC13G · passive | 5.11% |
| Apr 9, 2026 | DIMENSIONAL FUND ADVISORS LP13G · passive · amended | 7.2% |
| Mar 26, 2026 | VANGUARD GROUP INC13G · passive · amended | 0%under 5% |
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