Bread Financial (BFH) Latest Stock Analysis Report – Oct 15, 2026, 4:00 PM ET
Updated Oct 15, 2026, 4:00 PM ET
- Closed at $101.31, +2.37% vs the prior close of $98.96.
- Volume 468.10K shares, 0.9x its 50-day average.
- No new SEC filings since the prior session.
- No new insider buys or sales reported since the prior session.
BFH rises 2.4% to $101.31. Closed at $101.31, +2.37% vs the prior close of $98.96. Day range $98.15–$101.83, opened at $99.49.
BFH daily analysis — what happened
A plain-English, data-only note written after every US trading day. Newest first; older days stay archived below.
Oct 15, 2026 — BFH rises 2.4% to $101.31
- Closed at $101.31, +2.37% vs the prior close of $98.96. Day range $98.15–$101.83, opened at $99.49.
- Volume was 468.10K shares, 0.9x its 50-day average of 502.30K.
- Price is -3.6% vs its 50-day average ($105.11) and +12.3% vs its 200-day average ($90.22).
- 52-week range $57.11–$114.53; today's close sits at 77% of that range, 11.5% below the 52-week high.
Oct 14, 2026 — BFH slides 3.3% to $98.96
- Closed at $98.96, -3.27% vs the prior close of $102.31. Day range $97.66–$100.76, opened at $100.28.
- Volume was 441.60K shares, 0.9x its 50-day average of 504.47K.
- Price is -6.0% vs its 50-day average ($105.33) and +9.8% vs its 200-day average ($90.09).
- 52-week range $55.80–$114.53; today's close sits at 73% of that range, 13.6% below the 52-week high.
Oct 13, 2026 — BFH rises 0.7% to $102.31
- Closed at $102.31, +0.67% vs the prior close of $101.63. Day range $100.54–$103.77, opened at $101.98.
- Volume was 390.00K shares, 0.8x its 50-day average of 507.44K.
- Price is -3.1% vs its 50-day average ($105.60) and +13.7% vs its 200-day average ($89.98).
- 52-week range $54.89–$114.53; today's close sits at 80% of that range, 10.7% below the 52-week high.
Oct 12, 2026 — BFH rises 1.0% to $101.63
- Closed at $101.63, +1.04% vs the prior close of $100.58. Day range $100.55–$102.95, opened at $100.55.
- Volume was 414.40K shares, 0.8x its 50-day average of 510.38K.
- Price is -3.9% vs its 50-day average ($105.77) and +13.1% vs its 200-day average ($89.85).
- 52-week range $53.83–$114.53; today's close sits at 79% of that range, 11.3% below the 52-week high.
Oct 9, 2026 — BFH ends flat (-0.1%) to $100.58
- Closed at $100.58, -0.15% vs the prior close of $100.73. Day range $99.38–$102.13, opened at $100.25.
- Volume was 715.00K shares, 1.4x its 50-day average of 510.27K.
- Price is -5.0% vs its 50-day average ($105.90) and +12.1% vs its 200-day average ($89.73).
- 52-week range $53.83–$114.53; today's close sits at 77% of that range, 12.2% below the 52-week high.
Oct 8, 2026 — BFH jumps 3.2% to $100.73
- Closed at $100.73, +3.16% vs the prior close of $97.64. Day range $96.82–$101.24, opened at $97.09.
- Volume was 571.20K shares, 1.1x its 50-day average of 513.31K.
- Price is -5.1% vs its 50-day average ($106.10) and +12.4% vs its 200-day average ($89.61).
- 52-week range $53.83–$114.53; today's close sits at 77% of that range, 12.0% below the 52-week high.
Oct 7, 2026 — BFH ends flat (-0.2%) to $97.64
- Closed at $97.64, -0.16% vs the prior close of $97.80. Day range $96.60–$98.40, opened at $97.09.
- Volume was 494.70K shares, 1.0x its 50-day average of 516.93K.
- Price is -8.1% vs its 50-day average ($106.23) and +9.1% vs its 200-day average ($89.50).
- 52-week range $53.83–$114.53; today's close sits at 72% of that range, 14.7% below the 52-week high.
Oct 6, 2026 — BFH dips 1.1% to $97.80
- Closed at $97.80, -1.11% vs the prior close of $98.90. Day range $97.37–$99.73, opened at $99.73.
- Volume was 706.80K shares, 1.3x its 50-day average of 526.00K.
- Price is -8.1% vs its 50-day average ($106.43) and +9.4% vs its 200-day average ($89.40).
- 52-week range $53.83–$114.53; today's close sits at 72% of that range, 14.6% below the 52-week high.
Oct 5, 2026 — BFH rises 0.9% to $98.90
- Closed at $98.90, +0.87% vs the prior close of $98.05. Day range $96.15–$100.16, opened at $97.88.
- Volume was 417.80K shares, 0.8x its 50-day average of 534.98K.
- Price is -7.2% vs its 50-day average ($106.59) and +10.8% vs its 200-day average ($89.29).
- 52-week range $53.83–$114.53; today's close sits at 74% of that range, 13.6% below the 52-week high.
Oct 2, 2026 — BFH rises 1.1% to $98.05
- Closed at $98.05, +1.15% vs the prior close of $96.94. Day range $96.75–$99.22, opened at $97.84.
- Volume was 448.80K shares, 0.8x its 50-day average of 542.03K.
- Price is -8.1% vs its 50-day average ($106.70) and +10.0% vs its 200-day average ($89.18).
- 52-week range $53.83–$114.53; today's close sits at 73% of that range, 14.4% below the 52-week high.
BFH latest news & SEC filings
Every SEC filing by or about BFH in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Sep 16, 2026 · 4 — Insider trade report (Form 4)
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Mccarthy Dennis James bought 16 shares at $108.14 (≈$1.72K) on Sep 14, 2026; now holds 29,546
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 15, 2026 · 8-K — Current report
Current report — a filing companies must make within 4 business days of a major event
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
Sep 10, 2026 · 3 — Initial insider ownership statement (Form 3)
Initial insider ownership statement (Form 3) — a new director, officer or 10% owner disclosed their holdings
Sep 8, 2026 · 8-K — Current report
Current report — a filing companies must make within 4 business days of a major event
- Item 1.01 — Signed a material agreement.
Aug 17, 2026 · 8-K — Current report
Current report — a filing companies must make within 4 business days of a major event
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
Aug 14, 2026 · SCHEDULE 13G/A — Update to a passive 5%+ stake (13G)
Update to a passive 5%+ stake (13G)
Filed by an outside investor (not the company). It reports a holding of more than 5% of a share class; percentage and holder name are in the filing.
Jul 29, 2026 · 4 — Insider trade report (Form 4)
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Lakhwara Praniti sold 2,802 shares at $106.12 (≈$297.35K) on Jul 28, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Jul 28, 2026 · 144 — Notice of proposed sale (Form 144)
Notice of proposed sale (Form 144) — an insider or affiliate plans to sell restricted or control shares
A notice of intent, not a completed sale. Any actual sale by a director or officer shows up later on Form 4.
Jul 28, 2026 · 10-Q — Quarterly report (unaudited financial statements for the quarter)
Quarterly report (unaudited financial statements for the quarter)
Quarter ended Jun 30, 2026:
- Net income: $146.00M (prior year $139.00M) (+5.0% vs Jun 30, 2025)
- Diluted EPS: $3.55 (prior year $2.94) (+20.7% vs Jun 30, 2025)
Jul 23, 2026 · 8-K — Current report
Current report — a filing companies must make within 4 business days of a major event
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
Jul 23, 2026 · 8-K — Current report
Current report — a filing companies must make within 4 business days of a major event
- Item 2.02 — Reported results of operations (earnings release).
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
- Item 8.01 — Reported other events the company considers important.
This is a results-day filing: the earnings press release is attached as an exhibit.
Jul 17, 2026 · 4 — Insider trade report (Form 4)
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
Insider holdings update with no common-stock transactions in the table (often options or derivative awards only).
Jul 14, 2026 · 8-K — Current report
Current report — a filing companies must make within 4 business days of a major event
- Item 5.02 — Change in directors or officers (appointment, departure or pay).
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
Things to know before you trade BFH
- Last results release: Jul 23, 2026 (8-K Item 2.02). Previous ones: Apr 23, 2026, Jan 29, 2026, Oct 23, 2025. Based on that rhythm, the next report is likely around Oct 22, 2026 — an estimate, not a confirmed date.
- How much it moves: over the last 20 sessions the average daily move was 1.64% (largest 4.9%).
- Liquidity: about 606.09K shares (≈$61.40M) trade per day on average.
- 52-week position: $101.31 vs a range of $57.11–$114.53 (77% of the range).
- Dividends: last ex-dividend date Aug 31, 2026 ($0.23/share); 4 payments in the past 12 months.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 2 open-market buys, 5 sales; latest: Dennis James Mccarthy bought 16 shares on Sep 14, 2026.
- Latest filings: 8-K Sep 15, 2026; 8-K Sep 8, 2026; 8-K Aug 17, 2026.
- Share count: 38.42M shares outstanding (Jul 22, 2026), -17.6% vs a year earlier — the company has been reducing its share count.
- Listing: NYSE · industry: Personal Credit Institutions.
BFH market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 15, 2026 | 99.49 | 101.83 | 98.15 | 101.31 | 468.10K |
| Oct 14, 2026 | 100.28 | 100.76 | 97.66 | 98.96 | 441.60K |
| Oct 13, 2026 | 101.98 | 103.77 | 100.54 | 102.31 | 390.00K |
| Oct 12, 2026 | 100.55 | 102.95 | 100.55 | 101.63 | 414.40K |
| Oct 9, 2026 | 100.25 | 102.13 | 99.38 | 100.58 | 715.00K |
| Oct 8, 2026 | 97.09 | 101.24 | 96.82 | 100.73 | 571.20K |
| Oct 7, 2026 | 97.09 | 98.40 | 96.60 | 97.64 | 494.70K |
| Oct 6, 2026 | 99.73 | 99.73 | 97.37 | 97.80 | 706.80K |
| Oct 5, 2026 | 97.88 | 100.16 | 96.15 | 98.90 | 417.80K |
| Oct 2, 2026 | 97.84 | 99.22 | 96.75 | 98.05 | 448.80K |
| Oct 1, 2026 | 96.25 | 98.99 | 94.21 | 96.94 | 778.30K |
| Sep 30, 2026 | 100.04 | 100.72 | 97.39 | 97.75 | 466.10K |
| Sep 29, 2026 | 101.35 | 102.14 | 99.36 | 100.07 | 257.70K |
| Sep 28, 2026 | 102.18 | 102.77 | 100.68 | 101.25 | 505.10K |
| Sep 25, 2026 | 101.95 | 103.89 | 99.85 | 102.91 | 465.30K |
| Sep 24, 2026 | 99.94 | 103.41 | 99.55 | 101.56 | 969.10K |
| Sep 23, 2026 | 101.20 | 102.37 | 98.84 | 99.19 | 924.40K |
| Sep 22, 2026 | 108.92 | 108.92 | 102.32 | 102.69 | 929.10K |
| Sep 21, 2026 | 109.54 | 110.00 | 107.65 | 108.00 | 385.70K |
| Sep 18, 2026 | 107.62 | 108.63 | 106.65 | 108.53 | 1.37M |
About Bread Financial
Bread Financial (BFH) is listed on the NYSE and classified by the SEC under “Personal Credit Institutions”. Its business address is in COLUMBUS, OH. State of incorporation: DE. Fiscal year ends December 31. SEC CIK 1101215.
BFH board of directors & executives
From SEC Form 3/4/5 insider filings made in the last 12 months (date = latest filing).
Directors
| Name | Role | Latest filing |
|---|---|---|
| Ralph J Andretta | President and CEO | Jun 1, 2026 |
| Roger H Ballou | Director | Apr 27, 2026 |
| John J. Fawcett | Director | Jun 17, 2026 |
| John C Gerspach | Director | Jul 17, 2026 |
| Praniti Lakhwara | Director | Jul 29, 2026 |
| Rajesh Natarajan | Director | Jun 17, 2026 |
| Clair Joyce St | Director | Jun 17, 2026 |
| Timothy J Theriault | Director | Jun 17, 2026 |
| Sharen J Turney | Director | Jun 17, 2026 |
| Laurie Anne Tucker | Director | Jun 17, 2026 |
Executive officers
| Name | Title | Latest filing |
|---|---|---|
| Ralph J Andretta | President and CEO | Jun 1, 2026 |
| Perry S Beberman | EVP, Chief Financial Officer | Mar 4, 2026 |
| Jonathan Bryan Campbell | SVP, Chief Accounting Officer | Feb 20, 2026 |
| Allegra S Driscoll | EVP, Chief Technology Officer | Mar 4, 2026 |
| Valerie E Greer | EVP, Chief Commercial Officer | Feb 19, 2026 |
| Dennis James Mccarthy | EVP, Chief Revenue Officer | Sep 16, 2026 |
| Tammy M Mcconnaughey | EVP, Operations & Credit Risk | Feb 19, 2026 |
| Joseph L Iii Motes | EVP, CAO, Gen Counsel & Secy | Feb 19, 2026 |
Recent insider buys & sales
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Sep 14, 2026 | Dennis James Mccarthy | Buy | 16 | $108.14 |
| Jul 28, 2026 | Praniti Lakhwara | Sale | 2,802 | $106.12 |
| May 29, 2026 | Ralph J Andretta | Sale | 1,500 | $88.23 |
| May 29, 2026 | Ralph J Andretta | Sale | 1,000 | $89.57 |
| May 29, 2026 | Ralph J Andretta | Sale | 12,500 | $89.17 |
| May 21, 2026 | John J. Fawcett | Buy | 698 | $86.43 |
| Apr 24, 2026 | Roger H Ballou | Sale | 9,687 | $90.32 |
BFH financials (annual, from XBRL filings)
| Fiscal year end | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Dec 31, 2025 | — | $518.00M | 10.89 | $2.09B |
| Dec 31, 2024 | — | $277.00M | 5.49 | $1.86B |
| Dec 31, 2023 | — | $718.00M | 14.34 | $1.99B |
| Dec 31, 2022 | — | $223.00M | 4.46 | $1.85B |
| Dec 31, 2021 | — | $801.00M | 16.02 | $1.54B |
Latest balance sheet: total assets $22.45B, total liabilities $19.09B, cash $3.68B (as of Jun 30, 2026).
BFH earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Jul 23, 2026 | 8-K Item 2.02 (results) | $103.58 |
| Apr 23, 2026 | 8-K Item 2.02 (results) | $92.12 |
| Jan 29, 2026 | 8-K Item 2.02 (results) | $73.03 |
| Oct 23, 2025 | 8-K Item 2.02 (results) | $65.46 |
| Jul 24, 2025 | 8-K Item 2.02 (results) | $61.00 |
| Apr 24, 2025 | 8-K Item 2.02 (results) | $48.91 |
| Jan 30, 2025 | 8-K Item 2.02 (results) | $63.71 |
| Oct 24, 2024 | 8-K Item 2.02 (results) | $50.06 |
| Jul 25, 2024 | 8-K Item 2.02 (results) | — |
| Apr 25, 2024 | 8-K Item 2.02 (results) | — |
| Jan 25, 2024 | 8-K Item 2.02 (results) | — |
| Oct 26, 2023 | 8-K Item 2.02 (results) | — |
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Information only, not investment advice. BuyMeWhiskey is not a registered investment adviser or broker-dealer; nothing here is a recommendation to buy, sell or hold any security, and there are no price targets. Data comes from SEC EDGAR filings and public end-of-day market data and may be delayed or contain errors. Verify with the company's filings before making decisions. Prices: end-of-day data as of Oct 15, 2026, 4:00 PM ET. Filings: SEC EDGAR. Updated after every US trading day.