BFH Stock Summary and Trading Ideas (Bread Finl Hldgs | NYSE:BFH)

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 that 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.

Bread Finl Hldgs trades on the NYSE stock market under the symbol BFH.

As of December 19, 2025, BFH stock price climbed to $78.00 with 963,571 million shares trading.

BFH has a beta of 1.47, meaning it tends to be more sensitive to market movements. BFH has a correlation of 0.42 to the broad based SPY ETF.

BFH has a market cap of $3.56 billion. This is considered a Mid Cap stock.

Last quarter Bread Finl Hldgs reported $971 million in Revenue and $4.02 earnings per share. This beat revenue expectation by $4 million and exceeded earnings estimates by $1.88.

In the last 3 years, BFH traded as high as $78.27 and as low as $23.19.

The top ETF exchange traded funds that BFH belongs to (by Net Assets): IJR, AVUV, VTI, VB, IWM.

BFH has outperformed the market in the last year with a price return of +28.4% while the SPY ETF gained +18.1%. BFH has also outperformed the stock market ETF in the last 3 month and 2 week periods returning +23.3% and +8.0%, respectively, while the SPY returned +2.8% and -0.5%, respectively.

BFH support price is $76.08 and resistance is $79.20 (based on 1 day standard deviation move). This means that using the most recent 20 day stock volatility and applying a one standard deviation move around the stock's closing price, stastically there is a 67% probability that BFH shares will trade within this expected range on the day.