BFH
Bread Financial Holdings, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
+7/100
Last price
97.08
▼ 0.72 (0.73%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
97.09
Prev close
97.80
Day high
98.40
Day low
96.90
Volume
106.59K
Market cap
$3.73B
P/E (TTM)
7.53
52W range
53.83 – 114.53
Day trading desk
Gap from prior close
-0.73%
Prior close 97.80
VWAP
97.59
-0.51% from price
Relative volume
0.17×
Quiet session
Session range
1.86%
96.60 – 98.39
Position in range
27%
Near session low
ATR (14D)
3.32
3.42% of price
Prior day high
99.73
PDH
Prior day low
97.37
PDL
Bid / ask spread
—
Quote not published
Session volume
95.77K
Avg 569.99K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.68%
-2.3%
1M
-10.27%
-11.4%
3M
+1.61%
-1.4%
6M
+23.44%
+8.9%
YTD
+31.14%
+17.5%
1Y
+77.26%
+61.9%
3Y
+189.63%
+108.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on BFH open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-2.77K
Net selling
Buy transactions
12
15.03K shares
Sell transactions
2
17.80K shares
Net transactions
+14
Buys less sells
Sell : buy shares
1.2 : 1
Mixed
Insider-held shares
572.06K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 28, 26 | LAKHWARA PRANITI Director |
SELL | 2.80K | $297.35K | Direct |
| Jul 15, 26 | GERSPACH JOHN C Director |
STOCK | 730 | $0 | Direct |
| Jun 15, 26 | THERIAULT TIMOTHY J Director |
STOCK | 1.64K | $0 | Direct |
| Jun 15, 26 | GERSPACH JOHN C Director |
STOCK | 1.64K | $0 | Direct |
| Jun 15, 26 | ST CLAIR JOYCE M Director |
STOCK | 1.64K | $0 | Direct |
| Jun 15, 26 | TUCKER LAURIE ANNE Director |
STOCK | 1.64K | $0 | Direct |
| Jun 15, 26 | TURNEY SHAREN JESTER Director |
STOCK | 1.64K | $0 | Direct |
| Jun 15, 26 | FAWCETT JOHN J Director |
STOCK | 1.64K | $0 | Direct |
| Jun 15, 26 | NATARAJAN RAJESH Director |
STOCK | 1.64K | $0 | Direct |
| Jun 15, 26 | LAKHWARA PRANITI Director |
STOCK | 1.64K | $0 | Direct |
| May 29, 26 | ANDRETTA RALPH J. Chief Executive Officer |
SELL | 15.00K | $1.34M | Direct |
| May 21, 26 | FAWCETT JOHN J Director |
BUY | 698 | $60.33K | Direct |
| Apr 15, 26 | GERSPACH JOHN C Director |
STOCK | 483 | $0 | Direct |
| Feb 19, 26 | BALLOU ROGER H Director |
STOCK | 1.35K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ANDRETTA RALPH J. |
Chief Executive Officer | 582.24K | Sale |
BALLOU ROGER H |
Director | 39.77K | Stock Gift |
BEBERMAN PERRY S. |
Chief Financial Officer | 121.57K | Stock Award(Grant) |
CAMPBELL JONATHAN BRYAN |
Officer | 38.88K | Stock Award(Grant) |
DRISCOLL ALLEGRA S |
Chief Technology Officer | 60.78K | Stock Award(Grant) |
GERSPACH JOHN C |
Director | 55.57K | Stock Award(Grant) |
GREER VALERIE E |
Officer | 155.35K | Stock Award(Grant) |
MCCONNAUGHEY TAMMY M |
Officer | 123.32K | Stock Award(Grant) |
MOTES JOSEPH L III |
General Counsel | 129.62K | Stock Award(Grant) |
TUCKER LAURIE ANNE |
Director | 35.46K | Stock Award(Grant) |
Fundamentals
Market cap$3.73B
Enterprise value$3.36B
Revenue (TTM)$2.67B
Gross profit$2.67B
EBITDA—
Net income$565.00M
EPS (TTM)$12.90
Free cash flow—
Total cash$3.68B
Total debt$3.28B
Book value / share$86.95
Shares outstanding38.42M
Float37.74M
Short % of float10.21%
Dividend yield0.94%
Beta (5Y)1.18
Valuation & profitability ratios
Trailing P/E7.53
Forward P/E7.08
PEG ratio2.13
Price / sales—
Price / book1.12
EV / revenue1.26
EV / EBITDA—
Gross margin0.00%
Operating margin28.97%
Profit margin21.36%
Return on equity17.42%
Return on assets2.57%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $3.85B | $3.84B | $4.29B | $3.87B | — | +0.2% |
| Operating revenue | $3.85B | $3.84B | $4.29B | $3.87B | — | +0.2% |
| Cost of revenue | — | — | — | — | $1.59B | — |
| Gross profit | — | — | — | — | $2.06B | — |
| Selling, general & admin | $1.03B | $1.04B | $1.03B | $959.00M | — | -1.3% |
| Total operating expense | — | — | — | — | $1.02B | — |
| Operating income | — | — | — | — | $1.04B | — |
| Pre-tax income | $615.00M | $381.00M | $968.00M | $300.00M | — | +61.4% |
| Tax provision | $94.00M | $102.00M | $231.00M | $76.00M | — | -7.8% |
| Net income | $518.00M | $277.00M | $718.00M | $223.00M | — | +87.0% |
| Net income to common | $518.00M | $277.00M | $718.00M | $223.00M | — | +87.0% |
| Basic EPS | 11.07 | 5.58 | 14.39 | 4.47 | — | +98.4% |
| Diluted EPS | 10.89 | 5.49 | 14.34 | 4.46 | — | +98.4% |
| EBIT | — | — | — | — | $1.04B | — |
| EBITDA | — | — | — | — | $1.17B | — |
| Basic shares | 46.80M | 49.60M | 49.80M | 49.90M | — | -5.6% |
| Diluted shares | 47.60M | 50.40M | 50.00M | 50.00M | — | -5.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $3.60B | $3.68B | $3.59B | $3.89B | — | -2.0% |
| Cash & short-term investments | — | — | — | — | $3.11B | — |
| Accounts receivable | $148.00M | $145.00M | $144.00M | $164.00M | — | +2.1% |
| Total current assets | — | — | — | — | $19.86B | — |
| Property, plant & equipment | $180.00M | $229.00M | $265.00M | $283.00M | — | -21.4% |
| Goodwill & intangibles | $716.00M | $746.00M | $762.00M | $799.00M | — | -4.0% |
| Total assets | $22.66B | $22.89B | $23.14B | $25.41B | — | -1.0% |
| Total current liabilities | — | — | — | — | $11.77B | — |
| Current debt | $0 | $0 | $0 | $0 | — | — |
| Long-term debt | $4.31B | $5.56B | $5.29B | $8.01B | — | -22.5% |
| Total debt | $4.39B | $5.68B | $5.44B | $8.13B | — | -22.7% |
| Total liabilities | $19.34B | $19.84B | $20.22B | $23.14B | — | -2.5% |
| Retained earnings | $1.48B | $999.00M | $767.00M | $93.00M | — | +47.6% |
| Shareholder equity | $3.33B | $3.05B | $2.92B | $2.27B | — | +9.0% |
| Working capital | — | — | — | — | $8.09B | — |
| Net tangible assets | $2.61B | $2.31B | $2.16B | $1.47B | — | +13.3% |
| Shares issued | 44.10M | 49.10M | 49.30M | 49.90M | — | -10.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $518.00M | $277.00M | $718.00M | $223.00M | — | +87.0% |
| Depreciation & amortisation | $80.00M | $90.00M | $116.00M | $113.00M | — | -11.1% |
| Stock-based compensation | $56.00M | $54.00M | $44.00M | $33.00M | — | +3.7% |
| Change in working capital | -$39.00M | -$67.00M | $28.00M | -$47.00M | — | +41.8% |
| Operating cash flow | $2.09B | $1.86B | $1.99B | $1.85B | — | +12.5% |
| Capital expenditure | — | — | — | -$68.00M | -$84.00M | — |
| Investing cash flow | -$1.37B | -$1.17B | $788.00M | -$5.11B | — | -17.3% |
| Share buybacks | -$313.00M | -$55.00M | -$35.00M | -$12.00M | — | -469.1% |
| Dividends paid | -$42.00M | -$43.00M | -$42.00M | -$43.00M | — | +2.3% |
| Financing cash flow | -$807.00M | -$592.00M | -$3.09B | $3.27B | — | -36.3% |
| Free cash flow | $2.09B | $1.86B | $1.99B | $1.85B | — | +12.5% |
| End cash position | $3.63B | $3.71B | $3.62B | $3.93B | — | -2.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $993.00M | $1.02B | $975.00M | $971.00M | $929.00M | — | -2.5% |
| Operating revenue | $993.00M | $1.02B | $975.00M | $971.00M | $929.00M | — | -2.5% |
| Selling, general & admin | $261.00M | $255.00M | $276.00M | $260.00M | $246.00M | — | +2.4% |
| Pre-tax income | $197.00M | $243.00M | $47.00M | $196.00M | $174.00M | — | -18.9% |
| Tax provision | $51.00M | $62.00M | -$6.00M | $8.00M | $35.00M | — | -17.7% |
| Net income | $146.00M | $181.00M | $54.00M | $188.00M | $139.00M | — | -19.3% |
| Net income to common | $144.00M | $179.00M | $54.00M | $188.00M | $139.00M | — | -19.6% |
| Basic EPS | 3.62 | 4.19 | — | 4.04 | 2.97 | 2.81 | -13.6% |
| Diluted EPS | 3.55 | 4.15 | — | 3.96 | 2.94 | 2.78 | -14.5% |
| Basic shares | 39.90M | 42.80M | — | 46.50M | 46.70M | 49.00M | -6.8% |
| Diluted shares | 40.70M | 43.20M | — | 47.50M | 47.20M | 49.60M | -5.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $3.68B | $3.64B | $3.60B | $3.76B | $3.80B | — | +1.3% |
| Accounts receivable | — | — | $148.00M | — | — | — | — |
| Property, plant & equipment | $104.00M | $112.00M | $180.00M | $122.00M | $127.00M | — | -7.1% |
| Goodwill & intangibles | $701.00M | $708.00M | $716.00M | $723.00M | $731.00M | — | -1.0% |
| Total assets | $22.45B | $22.31B | $22.66B | $21.71B | $21.82B | — | +0.6% |
| Current debt | — | — | $0 | $0 | $0 | $0 | — |
| Long-term debt | $3.30B | $3.94B | $4.31B | $3.79B | $4.23B | — | -16.3% |
| Total debt | $3.30B | $3.94B | $4.39B | $3.79B | $4.23B | — | -16.3% |
| Total liabilities | $19.09B | $18.98B | $19.34B | $18.40B | $18.66B | — | +0.5% |
| Retained earnings | $1.78B | $1.64B | $1.48B | $1.43B | $1.25B | — | +8.3% |
| Shareholder equity | $3.37B | $3.33B | $3.33B | $3.32B | $3.17B | — | +1.2% |
| Net tangible assets | $2.66B | $2.62B | $2.61B | $2.59B | $2.44B | — | +1.8% |
| Shares issued | 38.70M | 41.30M | 44.10M | 46.00M | 46.60M | — | -6.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $147.00M | $181.00M | $54.00M | $188.00M | $138.00M | -18.8% |
| Depreciation & amortisation | $18.00M | $19.00M | $19.00M | $19.00M | $21.00M | -5.3% |
| Stock-based compensation | $16.00M | $15.00M | $15.00M | $13.00M | $15.00M | +6.7% |
| Change in working capital | $42.00M | -$73.00M | $39.00M | -$13.00M | $56.00M | +157.5% |
| Operating cash flow | $533.00M | $487.00M | $568.00M | $605.00M | $526.00M | +9.4% |
| Investing cash flow | -$672.00M | $317.00M | -$1.50B | -$338.00M | -$221.00M | -312.0% |
| Share buybacks | -$243.00M | -$153.00M | -$123.00M | -$40.00M | -$47.00M | -58.8% |
| Dividends paid | -$11.00M | -$14.00M | -$11.00M | -$9.00M | -$10.00M | +21.4% |
| Financing cash flow | -$59.00M | -$475.00M | $784.00M | -$306.00M | -$723.00M | +87.6% |
| Free cash flow | $533.00M | $487.00M | $568.00M | $605.00M | $526.00M | +9.4% |
| End cash position | $3.76B | $3.96B | $3.63B | $3.78B | $3.82B | -5.0% |
Options analytics
Put / call volume
2.29
Put-heavy session
Put / call open interest
12.44
Positioning, not flow
Max pain
100.00
+3.0% from spot
ATM implied vol
65.3%
Nearest strike to spot
Skew (10% OTM)
+0.4%
Puts bid over calls
Call volume
14
Contracts, this expiry
Put volume
32
Contracts, this expiry
Heaviest call OI
115.00
29 contracts
Heaviest put OI
95.00
424 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 2.77 | 3.55 | +28.3% |
| Mar 2026 | 3.05 | 4.18 | +37.0% |
| Dec 2025 | 0.48 | 2.07 | +334.3% |
| Sep 2025 | 2.11 | 4.02 | +90.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 3.24 | 11 | $1.01B | +4.4% |
| Next quarter | 1.27 | 11 | $998.70M | +2.4% |
| Current year | 12.33 | 12 | $4.02B | +4.4% |
| Next year | 13.72 | 13 | $4.16B | +3.6% |
Analyst targets & ownership
Mean target$115.00
High target$130.00
Low target$86.00
Implied upside18.45%
Analyst count16
ConsensusBUY
Strong buy / Buy1 / 7
Hold8
Sell / Strong sell0 / 1
Held by insiders1.49%
Held by institutions108.23%
Institutions holding566
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
99.23
-2.16% from price
SMA 20
102.84
-5.60% from price
SMA 50
106.21
-8.59% from price
SMA 100
101.86
-4.69% from price
SMA 200
89.50
+8.48% from price
EMA 12
99.90
-2.82% from price
EMA 26
102.42
-5.21% from price
EMA 50
103.26
-5.98% from price
RSI (14)
36.3
Neutral
MACD (12,26,9)
-2.52
Hist -0.59
ATR (14)
3.32
3.42% of price
Realised vol 30D
30.4%
Annualised
Bollinger upper
111.66
20, 2σ
Bollinger lower
94.03
20, 2σ
50 / 200 cross
Golden
106.21 vs 89.50
Trend bias
Above 200
+8.48%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
1.18
More volatile than market
Correlation to SPY
0.38
Loosely linked
Realised vol 30D
30.4%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-16.1%
Peak to trough
Max drawdown 5Y
-70.9%
Peak to trough
ATR 14
3.32
3.42% of price
Beta (reported)
1.18
5Y monthly, from filing
Short interest
Shares short
2.79M
Prior 2.70M
Change vs prior
+3.3%
Shorts adding
% of float
10.21%
Elevated
% of shares out
7.26%
Against total outstanding
Days to cover
6.1
Crowded exit
Float
37.74M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 6, 26 | TD Cowen | MAINTAINED | Hold | Hold |
| Oct 5, 26 | Barclays | MAINTAINED | Equal-Weight | Equal-Weight |
| Oct 1, 26 | Evercore ISI Group | MAINTAINED | Outperform | Outperform |
| Sep 11, 26 | Wells Fargo | INITIATED | — | Equal-Weight |
| Aug 25, 26 | Wolfe Research | UPGRADE | Peer Perform | Outperform |
| Aug 3, 26 | UBS | MAINTAINED | Buy | Buy |
| Jul 28, 26 | Evercore ISI Group | MAINTAINED | Outperform | Outperform |
| Jul 24, 26 | TD Cowen | MAINTAINED | Hold | Hold |
| Jul 24, 26 | RBC Capital | MAINTAINED | Sector Perform | Sector Perform |
| Jul 24, 26 | Barclays | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 20, 26 | Morgan Stanley | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 7, 26 | TD Cowen | MAINTAINED | Hold | Hold |
Dividends & splits
Forward rate$0.92 / yr
Forward yield0.94%
5-year avg yield1.56%
Payout ratio6.98%
Ex-dividend dateAug 31, 2026
Next pay dateSep 15, 2026
Last split1253:1000
Split dateNov 8, 2021
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-15
Corporate Changes & Voting Matters
8-K · 2026-09-08
Corporate Changes & Voting Matters
8-K · 2026-08-17
Periodic Financial Reports
10-Q · 2026-07-28
Corporate Changes & Voting Matters
8-K · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-07-14
Annual report of employee stock purchase
11-K · 2026-06-10
Offering Registrations
S-8 · 2026-05-27
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.