Seasonal Tailwind — october med 3.8% (mag 2/3) · posClose 60.00% (rel 1/3) · n25 ×0.75 = 4.7
Hidden Gem — stWatch 305
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 full Trend Edge analysis →
Sector: Financial Services
Industry: Credit Services
Exchange: NYSE
IPO Date: June 15, 2001
Headquarters: 3095 Loyalty Circle, Columbus, OH, United States, 43219
Hidden Gem: Yes — undiscovered relative to its market cap tier
Founder-Led: No
Key Metrics
Current Price
$107.56
Market Cap
$3.96B
Float
37.8M
Shares Outstanding
38.4M
P/E (Forward)
10.24
P/E (TTM)
8.00
Price/Sales (TTM)
1.49
vs. Analyst Target
+6.4% to analyst PT
Profit Margin
21.36%
Operating Margin (TTM)
28.97%
Revenue (TTM)
$2.67B
Earnings Growth (YoY)
21.20%
Dividend Rate
0.9%
Analyst Target Price
$114.47 (16 analysts)
Financial History
Annual Revenue & Earnings History
Year
Revenue
Net Income
Gross Profit
EBITDA
2020
$3.30B
$214M
$1.95B
$549M
2021
$3.27B
$801M
$2.06B
$1.17B
2022
$3.83B
$223M
$2.23B
$915M
2023
$4.29B
$718M
$3.06B
$1.08B
2024
$3.84B
$277M
$2.44B
$1.43B
2025
$4.70B
$518M
$2.98B
$694M
Recent Quarterly Revenue & Net Income
Quarter
Revenue
Net Income
Sep 2025
$1.18B
$188M
Dec 2025
$1.17B
$53.0M
Mar 2026
$1.21B
$181M
Jun 2026
$1.19B
$146M
Ownership & Float
Insider Ownership
1.4%
Institutional Ownership
107.2%
Short Float
7.3%
% of All Funds Holding
4.75%
Number of Funds Holding
418
Current Moving Averages
Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.
Timeframe
SMA
Value
Trend Context
Weekly
10-Week SMA
$105.19
Near-term / short-term trend
Weekly
40-Week SMA
$86.00
Medium-term trend
Weekly
80-Week SMA
$71.11
Cyclical trend (business cycle)
Weekly
200-Week SMA
$52.88
Secular trend (multi-year)
Monthly
10-Month SMA
$85.79
Near-term monthly trend
Monthly
20-Month SMA
$71.35
Medium-term monthly trend
Monthly
40-Month SMA
$56.33
Secular monthly trend
Volume Shelves — Support & Resistance
Trend Edge identifies volume shelves: price zones where historically elevated trading volume
creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative
volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.
Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Bread Financial Holdings, Inc.
(BFH) powered by Claude Opus — Anthropic's most capable AI model.
The analysis covers five layers:
technical analysis (near-term, medium-term, cyclical, and secular trend, momentum,
volume shelf support and resistance, breakout and breakdown signals),
qualitative analysis (business model, competitive moat, sector dynamics),
insider sentiment (buy and sell signals from executive and director transactions),
share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and
fundamental analysis (valuation, revenue growth, profit margin, earnings quality).
AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit,
stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward.
Whether you are building a long position, initiating a short, or looking for a reversal setup,
AI Consult identifies the highest-probability signal from the current trend.