BFH

BREAD FINANCIAL HOLDINGS, INC.

NYSE· Personal Credit Institutions· Inc. DE· CIK 0001101215 Traditional Finance

$102.61 +0.89 (+0.87%)

Oct 27 4:00 PM ET · prev $101.72

Market cap

$3.8B

Mid cap

Consensus

Buy

52% Buy or better · 21 analysts

Median target

$115.00

+12% · range $86.00–131.00

1 year

+58.0%

from $64.94 · Oct 28

30 days

+1.3%

from $101.25

52-week range

$59.98–113.40

−10% from high · low Nov 17

Avg volume 20D

567.9K

shares / day

Short interest

3.41M

≈8.9% of shares · +5.2%

Days to cover

6.4

at average volume

Insider net

−$2.4M

2 buyers · 3 sellers · 12 mo

New fund stakes

Q2 2026 13F · 1 exit

Reddit crowd

50°

Neutral · 1 mention this week

SecBot read MIXED 9 reports · 90 days

Balance 1 bearish · 3 bullish · 1 mixed · 4 neutral oldest → newest, height = score

Avg score

·High conf. 5/9

Strongest BULLISH Bread Financial reported Q3 2026 adjusted EPS of $3.84, beating consensus of $3.23 by 18.8%, on revenue of…

All reports →

Price

Daily candles with volume. Pins mark insider trades, rating changes, 13F stakes, reports, catalysts and short-interest jumps.

R Apr 23 Bread Financial reported strong Q1 2026 results with earnings per sh…
S Apr 24 1 insider sell $874.9K at $90.32
E May 6 Offering: Bread Financial Announces Pricing of an Offering of Deposi…
B May 21 1 insider buy $60.3K at $86.43
S May 29 1 insider sell $1.3M at $89.10
S Jul 28 1 insider sell $297.3K at $106.12
A Sep 11 Wells Fargo initiates
B Sep 14 1 insider buy $1.7K at $108.14

Signal stack

Where each data set points today.

InsidersBEARISH

2 insiders bought $62.0K at an average $86.91. 3 insiders sold $2.5M. Price is 18% above their cost.
InstitutionsMIXED

Q2 2026: 25 added (0 new), 33 trimmed or exited.
AnalystsBULLISH

11 of 21 rate it Buy or better. Median target $115.00 (+12%).
Short sellersSTEADY

Short interest +5.2% to 3.41M shares. 6.4 days to cover, ≈8.9% of shares.
TrendDOWNTREND

1% below its 50-day average.
SocialQUIET

Crowd 50° (neutral) this week from 1 mention: 0 bullish, 0 bearish. No setup call.

Who's buying

13F· Q2 2026

new positions

exit

Fund	Move	Shares	Value
Allianz Asset Management GmbH	ADD	1,788,468	$193.8M
WELLINGTON MANAGEMENT GROUP LLP	TRIM	498,428	$54.0M
Empowered Funds, LLC	DOUBLED	461,938	$50.1M
PZENA INVESTMENT MANAGEMENT LLC	TRIM	327,448	$35.5M
UBS Group AG	TRIM	319,836	$34.7M
MILLENNIUM MANAGEMENT LLC	ADD	305,297	$33.1M
WELLS FARGO & COMPANY/MN	DOUBLED	193,157	$20.9M
SCHRODER INVESTMENT MANAGEMENT GROUP	ADD	189,965	$20.7M

Quarterly 13F filings are due 45 days after each quarter ends.

The Street

21 analysts

Buy 52% rate it Buy or better

Strong Buy4Buy7Hold10Sell0Strong Sell0

12-month targets · 16 analysts

$102.61 $86.00 $115.00 $131.00

Price is inside the target range. Median implies +12%.Targets as of Oct 27, 2026.

Recent actions

Date	Firm	Action	Rating
Oct 23, 2026	Barclays MAINTAIN	MAINTAIN	Equal-Weight
Oct 23, 2026	TD Cowen MAINTAIN	MAINTAIN	Hold
Oct 6, 2026	TD Cowen MAINTAIN	MAINTAIN	Hold
Oct 5, 2026	Barclays MAINTAIN	MAINTAIN	Equal-Weight
Oct 1, 2026	Evercore ISI Group MAINTAIN	MAINTAIN	Outperform
Sep 11, 2026	Wells Fargo INITIATE	INITIATE	Equal-Weight

Insider ledger

Form 4

$62.0K

bought · 2 insiders

$2.5M

sold · 3 insiders

+18.1%

vs their $86.91 cost

Date	Insider	Type	Value
Oct 15, 2026	Gerspach John C Director	AWARD	704 sh
Sep 14, 2026	McCarthy Dennis James EVP, Chief Revenue Officer	BUY	$1.7K
Jul 28, 2026	Lakhwara Praniti Director	SELL	$297.3K
Jul 15, 2026	Gerspach John C Director	AWARD	730 sh
Jun 15, 2026	Tucker Laurie Anne Director	AWARD	1,638 sh
Jun 15, 2026	Gerspach John C Director	AWARD	1,638 sh
Jun 15, 2026	TURNEY SHAREN J Director	AWARD	1,638 sh
Jun 15, 2026	THERIAULT TIMOTHY J Director	AWARD	1,638 sh

Earnings setup

Estimates

Revision history: 🔒 Fresh data, subscribers only

Period	EPS est.	Range	30D rev.	Revenue
Current Q	🔒 Fresh data, subscribers only
Next Q	$4.46	$3.46–$5.18	-0.6%	$1.0B
Current FY	🔒 Fresh data, subscribers only
Next FY	🔒 Fresh data, subscribers only