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Bread Financial Holdings, Inc.

corporate_fare Company Profile

Bread Financial Holdings, Inc.

BFH·NYSE·Finance·CIK 0001101215

Bread Financial is a tech-forward financial services company offering payment, lending, and saving solutions to millions of U.S. consumers. The company provides general purpose credit cards and savings products under the Bread Financial brand. It also offers private label and co-brand credit cards and pay-over-time products for various brands. Co-brand credit card programs, compared to private label programs, show higher credit sales per account, an improved credit risk mix, generally resulting in higher transactor balances, lower delinquencies and late fees, and lower losses. Bread Financial also offers proprietary credit cards and Bread Pay products, which include installment loans and "split-pay" offerings. The company's partners include large consumer-based businesses and small- and medium-sized businesses (SMBs). Notable partners include AAA, Academy Sports + Outdoors, Caesars, Dell Technologies, Hard Rock International, the NFL, Raymour & Flanigan, Saks Fifth Avenue, Signet, Ulta, and Victoria's Secret. These partners span industries such as travel and entertainment, specialty apparel, health and beauty, jewelry, sporting goods, technology and electronics, and home and furniture. The company's suite of solutions, along with marketing and data and analytics, serves all customer segments: Gen Z, Millennial, Gen X, and Baby Boomers.

Bread Financial Holdings, Inc. (NYSE:BFH) is a publicly traded company in the Finance sector. Wiseek has independently scored 23 items for BFH at importance 7 or higher on its 1–10 market-impact scale. Its most recent item scored 7 or higher is dated 2026-07-27, rated 8/10. Across its 20 most recent items scored 7 or higher, the top rating is 9/10, with 13 rated 8 or above. Recent SEC coverage for BFH spans 10-Q, 8-K, 424B5, FWP.

Recent high-impact activity:

  • Bread Financial Beats Q2 Estimates and Lifts Full-Year Outlook on Strengthening Credit
  • Bread Financial Reports Improving Credit Trends: June Net Loss Rate Drops to 6.88%
  • Bread Financial Q2 Earnings: $146M Net Income, EPS $3.55, Raises 2026 Outlook
  • Bread Financial's May Credit Quality Improves: Net Loss Rate Falls to 6.98%, Delinquencies Down
  • Bread Financial Reports Improved May Credit Quality and Loan Growth

Financial Snapshot

Fiscal year ended December 31, 2025
Revenue
$3.85B
Net Income
$518M
Diluted EPS
$10.89
Op. Cash Flow
$2.09B
Cash & Equivalents
$3.6B
Total Debt
$4.31B
Debt / Equity
1.29×
Net Margin
13.5%
Shares Outstanding
44.1M sh
Source: 10-K · filed 2026-02-13 · accession 0001101215-26-000016

Short Interest & Short Volume

5.57 days to cover

FINRA reported short interest of 2,788,626 shares in BFH as of the September 15, 2026 settlement, a 9.8% decrease from the prior period — about 5.6 days to cover at its recent average daily volume. On October 2, 2026, 81.9% of BFH volume reported to FINRA trade-reporting facilities was marked short.

Short interest (bi-monthly positions)2,788,626 shares as of September 15, 2026
Change vs prior period▼ 9.8%
Days to cover5.57 at avg daily volume of 500,738
Daily short volume (FINRA facilities)81.9% of 212,701 shares on October 2, 2026
5-day average short volume66.8%

Daily short sale volume covers trades reported to FINRA trade-reporting facilities and is not the same as short interest (bi-monthly reported positions). Source: FINRA — FINRA is the owner and source of this short interest and short sale volume data; it may not be redistributed.

Dilution Risk

Low risk

Filing-implied dilution signals for BFH, detected from its recent SEC filings · based on capital-structure filings through 2026-05-06.

1 recent capital raise

Finalized Preferred Stock Offering · Substantial Capital Raise

⚠ A more recent filing has been published for this ticker since this signal was computed; it may not yet be reflected — see the filings below.

A filing-implied signal, not a realized share count. How Wiseek tracks dilution →

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$98.05
52-week range · as of 2026-07-27 $53.83 – $109.91
Market cap
$3.77B
Volume
448.9K (0.8× avg)
3-mo avg 541.9K
Live data · 2026-10-05 03:36 UTC · Market closed

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feed BFH - Latest Insights

BFH
Jul 27, 2026, 5:49 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $104.60
Real-time Price: $98.05 info
Change: -$6.55 (-6%) info
Market Cap: $3.767B info
BFH
Jul 23, 2026, 6:56 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $101.88
Real-time Price: $98.05 info
Change: -$3.83 (-4%) info
Market Cap: $3.767B info
BFH
Jul 23, 2026, 6:51 AM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $101.88
Real-time Price: $98.05 info
Change: -$3.83 (-4%) info
Market Cap: $3.767B info
BFH
Jun 10, 2026, 7:33 AM EDT
Source: Wiseek News
Importance Score:
8
Price at Filing: $94.98
Real-time Price: $98.05 info
Change: +$3.07 (+3%) info
Market Cap: $3.767B info
BFH
Jun 10, 2026, 7:32 AM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $94.98
Real-time Price: $98.05 info
Change: +$3.07 (+3%) info
Market Cap: $3.767B info
BFH
May 15, 2026, 7:31 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $86.83
Real-time Price: $98.05 info
Change: +$11.22 (+13%) info
Market Cap: $3.767B info
BFH
May 12, 2026, 12:22 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $84.05
Real-time Price: $98.05 info
Change: +$14.00 (+17%) info
Market Cap: $3.767B info
BFH
May 06, 2026, 5:21 PM EDT
Filing Type: 424B5
Importance Score:
7
Price at Filing: $88.30
Real-time Price: $98.05 info
Change: +$9.75 (+11%) info
Market Cap: $3.767B info
BFH
May 05, 2026, 8:14 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $88.09
Real-time Price: $98.05 info
Change: +$9.96 (+11%) info
Market Cap: $3.767B info
BFH
May 05, 2026, 5:19 PM EDT
Filing Type: FWP
Importance Score:
8
Price at Filing: $85.09
Real-time Price: $98.05 info
Change: +$12.96 (+15%) info
Market Cap: $3.767B info
BFH
May 05, 2026, 9:03 AM EDT
Source: Wiseek News
Importance Score:
7
Price at Filing: $83.56
Real-time Price: $98.05 info
Change: +$14.49 (+17%) info
Market Cap: $3.767B info
BFH
May 05, 2026, 8:54 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $81.90
Real-time Price: $98.05 info
Change: +$16.15 (+20%) info
Market Cap: $3.767B info
BFH
Apr 27, 2026, 5:49 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $88.00
Real-time Price: $98.05 info
Change: +$10.05 (+11%) info
Market Cap: $3.767B info
BFH
Apr 23, 2026, 6:51 AM EDT
Filing Type: 8-K
Importance Score:
9
Price at Filing: $92.44
Real-time Price: $98.05 info
Change: +$5.61 (+6%) info
Market Cap: $3.767B info
BFH
Apr 07, 2026, 7:00 AM EDT
Filing Type: DEF 14A
Importance Score:
7
Price at Filing: $75.17
Real-time Price: $98.05 info
Change: +$22.88 (+30%) info
Market Cap: $3.767B info
BFH
Mar 11, 2026, 7:03 AM EDT
Source: Wiseek News
Importance Score:
7
Price at Filing: $72.59
Real-time Price: $98.05 info
Change: +$25.46 (+35%) info
Market Cap: $3.767B info
BFH
Mar 10, 2026, 6:00 AM EDT
Source: GlobeNewswire
Importance Score:
8
Price at Filing: $72.46
Real-time Price: $98.05 info
Change: +$25.59 (+35%) info
Market Cap: $3.767B info
BFH
Feb 26, 2026, 7:31 AM EST
Filing Type: 8-K
Importance Score:
9
Price at Filing: $73.19
Real-time Price: $98.05 info
Change: +$24.86 (+34%) info
Market Cap: $3.767B info
BFH
Feb 18, 2026, 7:59 AM EST
Filing Type: 8-K
Importance Score:
8
Price at Filing: $73.16
Real-time Price: $98.05 info
Change: +$24.89 (+34%) info
Market Cap: $3.767B info
BFH
Feb 13, 2026, 7:32 AM EST
Filing Type: 10-K
Importance Score:
8
Price at Filing: $72.27
Real-time Price: $98.05 info
Change: +$25.78 (+36%) info
Market Cap: $3.767B info
Research tools: Filing Impact Index Dilution Tracker Split Calendar Open Datasets