Header search > ticker > Open Stock TerminalSelect the market and trading date first when you need a specific listing or historical session.
TradingFloor AI · Stock TerminalBFH - Ticker AI Digest
Bread Financial Holdings, Inc. 📰 1
105.74000000
| Today -2.12%
●
Important AI Risk Notice
Charts, catalyst summaries, AI scores, forecasts and price context are AI-driven and can hallucinate, lag or miss market-changing information.
Not investment advice.
Markets can move fast and any trade or allocation decision remains your responsibility.
AI can hallucinate.
Summaries, rankings, forecasts and commentary can be wrong, incomplete or misleading.
AI-driven data only.
Signals, dates, prices, sentiment and automation outputs may be delayed, estimated or stale.
Always verify externally.
Confirm prices, filings, broker notes and trade setup details with independent sources before acting.
Mobile Command Deck
Bread Financial Holdings, Inc. in one cleaner mobile flow.
Tap straight into the module you want. No sideways tab hunt, just a clean route into charts, news, Today’s AI, and the deeper desks.
BFH
Data 2026-08-31
Preview Mode
Core Deck
Deep Dive Modules
Digested News
Today's Catalysts (BFH) 1
BFH
10:30
Bread Financial Holdings, Inc.
AI 0
Acquisitions 0
Admission 0
Agreement 0
Approvals 0
Authorisation 0
Awards 0
BTC 0
BlockListing 0
Blockchain 0
Breakthrough 0
BuyBack 0
Cancellations 0
CashOffer 0
Circular 0
ClinicalTrial 0
Collaborate 0
ContractWin 0
Covid-19 0
Deals 0
Diamond 0
DirectorDealing 0
DirectorateChange 0
Discovery 0
Dividend 0
Exceeded 0
FCA 0
FDA 0
Form83 0
GeneralMeeting 0
Grants 0
InvestmentPlan 0
IssueOfEquity 0
JV 0
Launch 0
Litigation 0
MonthlyFactsheet 0
NAV 0
NameChange 0
NewContract 0
Offers 0
Offtake 0
Orders 0
OwnShares 0
Partner 0
Patents 0
Placing 0
Positive 0
ProfitWarning 0
Proposals 0
Prospectus 0
Reports 1
Results 0
SchemeOfArrangement 0
Significant 0
Speculation 0
Strategic 0
Suspension 0
TR1 1
BFH
12:15
Bread Financial Holdings, Inc.
TVR 0
Takeover 0
US News 0
Understanding 0
Updates 1
Vaccine 0
Wins 0
Worth 0
All Market News (Last 30 Days) 23
BFH
10:30
Bread Financial Holdings, Inc.
BFH
15:08
Bread Financial Holdings, Inc.
BFH
12:40
Bread Financial Holdings, Inc.
BFH
15:19
Bread Financial Holdings, Inc.
BFH
15:55
Bread Financial Holdings, Inc.
BFH
15:00
Bread Financial Holdings, Inc.
BFH
12:15
Bread Financial Holdings, Inc.
BFH
11:36
Bread Financial Holdings, Inc.
BFH
14:14
Bread Financial Holdings, Inc.
BFH
12:15
Bread Financial Holdings, Inc.
BFH
18:13
Bread Financial Holdings, Inc.
BFH
10:42
Bread Financial Holdings, Inc.
BFH
12:59
Bread Financial Holdings, Inc.
Today's AI
BFH · Agentic Market Intelligence
BFH intelligence is listening.
The engine is monitoring news, price structure, forecasts and financial changes. New scored evidence will appear here against this stock automatically.
AI bias0.0
Bullish0
Bearish0
Today's AI Starts With News
1 live catalyst is opening Today’s AI for BFH.
Start with the live headline tape first. Today’s AI findings sit next, and the AI Blend stack drops lower once the news context is framed. Financial Forecastist now feeds the blend too.
Live Tape
Data 2026-08-31
Blend Lower Down
Read the alert tape first, then open Today’s AI findings. Use AI Expand on any card to open the AI explanation, results tables and financial forecast rows instantly.
1
Today
Front Of Desk
Bread Financial Holdings, Inc. has fresh news flow live now, so Today’s AI is leading with the tape before the blended signal stack below.
Single-Ticker Today's AI
BFH signal theatre built from scored market catalysts, automated AI forecasts, financial forecasting and live trigger logic.
This is the ticker-specific Today’s AI desk for Bread Financial Holdings, Inc.. It compresses the live catalyst tape, bullish and bearish scoring, AI price forecasts, financial forecasting and trigger logic into one cockpit so users can judge conviction without hopping across screens.
Subscription Required
Bullish vs Bearish Scoring
AI + Financial Blend
Buy / Sell Trigger Engine
Today's AI Findings
Subscriber Unlock
Subscribe to unlock the full BFH Today’s AI cockpit.
Subscription turns this tab into a live signal desk with today’s news findings at the top, AI plus financial blend comparisons at the bottom, buy and sell trigger logic, and the full findings ledger behind every scored row.
- AI-scored market headlines with sentiment buckets and buzzword breakdowns.
- Forecast leaders ranked by projected gain against current market price.
- Advanced technical scans, AI forecast stacks, and predictive MACD inside the live stock terminal charts.
- Single-ticker AI Crunch desks with buy or sell trigger logic and full catalyst ledgers.
- Scored earnings shock board with predicted direction, sector pulse and catalyst narrative.
- Fast market scan built for event-driven trading, not passive dashboards.
Subscribe to unlock the ticker-specific Today’s AI stack, sentiment gauges, AI blend stage, and the full findings ledger for BFH on 2026-08-31.
Fundamentals Matrix
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. 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.
Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
4.2B
Enterprise Value
4.4B
Public Float
98.4
Broker Target
98.6875
Shares Out
40.4M
Long Interest
85
Short Interest
15
Exchange
NYSE
Currency Code
USD
ISIN
US0185811082
Ex-Dividend
2026-05-29
Yield
0.89%
Dividend Rate
0.92
EPS
12.25
Market
NYSE
Standard Lists
Not currently ranked
Sector
Software and Computer ServicesUS fundamentals
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-
Financials Matrix
News And Alerts First
1 live alert now opens the financials desk for BFH.
Start with the headline flow and alert tape first. Then drop straight into Financial Forecastist below for the revenue path, EPS shape, cash pressure and balance-sheet read while the catalyst context is still hot.
Live Alerts
Data 2026-08-31
Forecastist Below
Read the alert tape first, then move into Financial Forecastist below. Use AI Expand on any catalyst card to open the AI explanation and results tables without losing the ticker context.
1
Alerts
Front Of Desk
Bread Financial Holdings, Inc. has fresh filing flow live now, so the tape is framing the revenue, leverage and valuation story below.
Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
0.92
Ex Divi
2026-05-29
Earnings Date
-
Net Debt
789.0M
Cash
3.6B
EPS
12.25
Net Income
518.0M
Revenue
2.6B
Enterprise Value
4.4B
Trailing PE
8.4101
Forward PE
8.9686
Price Sales TTM
1.5765
Price Book MRQ
1.2421
EV Revenue
2.0732
EV EBITDA
6.0842
Financial Forecastist
Mixed financial engine
Revenue is accelerating +1.3% against the prior comparable period. Net margin is expanding by 3.4 pts. Net debt is coming down +66.6%.
Revenue +1.3%
Net Income +31.2%
FCF +23.9%
Current Ratio 0.26x
Forward Rev 992.3M
Mixed
Quarter Revenue
1.2B
+1.3%
vs prior comparable quarter
Net Margin
+14.9%
+3.4 pts
profitability pulse
Free Cash Flow
487.0M
+23.9%
cash conversion
Net Debt / EBITDA
1.2x
-66.6%
lower is cleaner
Revenue Engine
Latest quarter printed 1.2B with the top line pushing higher against the last comparable period.
Profit Stack
Net income landed at 181.0M and the margin profile is broadening. That usually tells us whether operating leverage is finally kicking in.
Balance-Sheet Pressure
Cash sits near 3.6B while net debt is 304.0M. The leverage stack is cleaning up.
Quarterly Revenue Runway
Actual revenue bars, consensus revenue where available, plus the terminal model path.
Profit And Cash Conversion
Net income and free cash flow moving together is usually what separates genuine improvement from noise.
Balance-Sheet Pressure
Cash, net debt and liquidity tell us whether the business is strengthening or just surviving.
Annual Power Curve
Longer-cycle revenue and net income help frame whether the company is compounding or rolling over.
Q3 2025
Consensus
967.2M
Revenue Path
2.11
EPS / Earnings
Growth cue +0.1%
Q1 2026
Consensus
996.6M
Revenue Path
3.05
EPS / Earnings
Growth cue +0.1%
Q2 2026
Consensus
956.6M
Revenue Path
2.75
EPS / Earnings
Growth cue -0.1%
Q3 2026
Consensus
992.3M
Revenue Path
3.15
EPS / Earnings
Growth cue -0.2%
FY 2026
Consensus
3.9B
Revenue Path
11.31
EPS / Earnings
Growth cue -0.1%
FY 2027
Consensus
4.1B
Revenue Path
12.42
EPS / Earnings
Growth cue +0.1%
Quarterly Statement Tape
Last 6 Quarters
| Period | Revenue | Net Income | FCF | Net Debt |
|---|---|---|---|---|
| Q1 2026 | 1.2B | 181.0M | 487.0M | 304.0M |
| Q4 2025 | 1.2B | 53.0M | 568.0M | 789.0M |
| Q3 2025 | 1.2B | 188.0M | 597.0M | 23.0M |
| Q2 2025 | 1.1B | 139.0M | 526.0M | 428.0M |
| Q1 2025 | 1.2B | 138.0M | 393.0M | 909.0M |
| Q4 2024 | 1.2B | 7.0M | 479.0M | 2.0B |
Annual Financial Power
Last 5 Years
| Period | Revenue | Net Income | EBITDA | FCF |
|---|---|---|---|---|
| FY 2025 | 4.7B | 518.0M | 694.0M | 2.1B |
| FY 2024 | 3.8B | 277.0M | 1.4B | 1.9B |
| FY 2023 | 4.3B | 718.0M | 1.1B | 2.0B |
| FY 2022 | 3.8B | 223.0M | 915.0M | 1.8B |
| FY 2021 | 3.3B | 801.0M | 1.2B | 1.5B |
Structure DNA
Market Structure DNA
Yield Compounder profile with trend runway open
Price is 87.8% through the 52-week range, +10.8% vs 50DMA and +35.7% vs 200DMA. 100.0% of the register is locked by institutions and insiders, leaving 0.0% free float. Capital rhythm reads quarterly with forward yield near 0.9% and payout around 6.7%.
Trend runway open
Institutional gravity
Reliable income rhythm
As Of 2026-07-07
Yield Compounder
Structure Score
81.6 / 100
Yield Compounder
Trend Stack
+10.8% / +35.7%
vs 50DMA / 200DMA
52W Position
87.8%
auction position inside the yearly range
Ownership Lock
100.0%
112.0% institutions | 134.8% insiders
Pressure Pocket
0.1% short float
Short ratio 0.0x | monthly +6980.0%
Capital Rhythm
Quarterly
Yield 0.9% | payout 6.7%
Trend Runway
Implied spot is 103.02 with the stock +10.8% vs 50DMA and +35.7% vs 200DMA. The tape is sitting 87.8% through the 52-week range, which frames the regime as trend runway open.
Ownership Register
Institutions hold about 112.0% and insiders about 134.8%, locking roughly 100.0% of the register and leaving 0.0% in free float. That reads as institutional gravity.
Pressure Pocket
Short pressure is running near 0.1% of float with short ratio 0.0x and monthly change +6980.0%. That gives us a read on whether the tape is clean, crowded, or coiled.
Capital Rhythm
Dividend cadence reads quarterly with 4 event(s) in the last full year, a five-year average of 4.0, and stability score 100.0/100. Forward yield sits near 0.9% while payout is around 6.7%.
Structure Score
One-glance gauge for the current market-structure regime.
Pillar Radar
Trend, ownership, pressure, and capital rhythm mapped on one wheel.
Position And Float Balance
Shows whether the stock is extended, tightly held, or carrying capital-return support.
Dividend Cadence Tape
Historical dividend-event counts help reveal how dependable the income rhythm has been.
Dividend Cadence Ledger
Quarterly
| Year | Dividend Count | Context |
|---|---|---|
| 2026 | 2 | Current partial year |
| 2025 | 4 | Full year |
| 2024 | 4 | Full year |
| 2023 | 4 | Full year |
| 2022 | 4 | Full year |
| 2021 | 4 | Full year |
| 2020 | 4 | Full year |
| 2019 | 4 | Full year |
Structure Facts
Live Snapshot
Implied Spot
103.02
derived from market cap / shares
52W High
109.91
upper auction edge
52W Low
53.34
lower auction edge
Beta
1.13
volatility character
Shares Out
40.4M
fully diluted count
Shares Float
39.8M
tradable register
Shares Short
14.2K
borrowed stock
Short Ratio
0.0x
days-to-cover style read
Ex-Dividend
2026-05-29
-39 day(s) to ex-date
Dividend Pay
2026-06-15
-22 day(s) to pay date
Last Split
1253:1000
2021-11-08
Capital Radar
Capital Regime
—
Building signal blend...
Smart Money Tilt
—
Public vs institutions
Target Conviction
—
Broker coverage pulse
Insider Pressure
—
Director + TR1 flow
Last Held Position
-
Public Hands
-
Institutions
120.5115
Institutions As Of
2026-05-30
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
0
Sale Director Dealing
0
Purchase TR1
0
Sale TR1
0
Broker Coverage Rows
0
Institution Holders Tracked
40
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder
Short Data · BFH · Last 30 Days
Short D · 12/26 EMA spread with 9 signal
Red histogram bars show short loading accelerating. Green bars show short covering accelerating. The two lines expose the crossover before the raw holder table does.
Short D waiting
Building BFH short-momentum read
Short D compares the ticker’s disclosed short-position momentum with its own signal line.
Short D—
Signal—
Momentum—
Declared Short Holders
Nexus Pulse Engine
Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending
Volatility Lab
ATR(14)
Realized Vol (20d)
Volume Spike Z
AI Charts
News And Alerts First
The alert tape opens the door for BFH, and AI Charts sits just below.
Start with the headline flow and live catalyst tape first. Then move straight into AI Charts below for price reaction, AI targets, chart structure and catalyst beacons while the news context is still hot.
Live Tape
Data 2026-08-31
AI Charts Below
Read the alert tape first, then move into AI Charts below. Use AI Expand on any catalyst card to open the AI explanation and results tables instantly.
1
Today
Catalyst Pulse
Bread Financial Holdings, Inc. has fresh news flow live now, so the tape is framing the chart workspace below.
Chart Intelligence Suite
Swipe the timeframe, call the overlays, and keep the AI signal stack fused into one chart cockpit.
The mobile chart console is now framed as one connected surface so forecasting, structure, catalyst beacons and chart tools all sit inside the price workspace.
Automated signalling scans momentum shifts, crossovers and volatility breaks in real time. Automated AI forecasts map best, average and worst simulation paths forward, predictive MACD extends the momentum story, and catalyst beacons pin market-moving headlines directly onto price action so users can connect news, signals and structure without leaving the chart.
Automated Signalling
Automated AI Forecasts
Predictive MACD
Catalyst Beacons
Live Price Structure
AI AutoDetection
Automatic bull / bear chart read
Detected market structure
Analysing selected range
Why this call
Waiting for sufficient price history.
Invalidation
—
Updates with the timeframe.
Bull caseCalculating upside confirmation.
Bear caseCalculating downside confirmation.
RSI Gauge
Price Change
AI Forecast