Bread Financial (BFH-PA) Stock Analysis & Price (Updated Oct 16, 2026, 4:00 PM ET)
Updated Oct 16, 2026, 4:00 PM ET
- Closed at $24.49, -0.04% vs the prior close of $24.50.
- Volume 6.61K shares, 0.6x its 50-day average (light).
- No new SEC filings since the prior session.
- No new insider buys or sales reported since the prior session.
BFH-PA ends flat (-0.0%) to $24.49. Closed at $24.49, -0.04% vs the prior close of $24.50. Day range $24.49–$24.76, opened at $24.72.
BFH-PA daily analysis — what happened
A plain-English, data-only note written after every US trading day. Newest first; older days stay archived below.
Oct 16, 2026 — BFH-PA ends flat (-0.0%) to $24.49
- Closed at $24.49, -0.04% vs the prior close of $24.50. Day range $24.49–$24.76, opened at $24.72.
- Volume was 6.61K shares, 0.6x its 50-day average of 10.91K.
- Price is -1.0% vs its 50-day average ($24.73) and -1.4% vs its 200-day average ($24.83).
- 52-week range $23.00–$25.50; today's close sits at 60% of that range, 4.0% below the 52-week high.
Oct 15, 2026 — BFH-PA rises 0.6% to $24.50
- Closed at $24.50, +0.57% vs the prior close of $24.36. Day range $24.45–$24.50, opened at $24.45.
- Volume was 3.53K shares, 0.3x its 50-day average of 10.94K — lighter than usual.
- Price is -1.0% vs its 50-day average ($24.75) and -1.3% vs its 200-day average ($24.83).
- 52-week range $23.00–$25.50; today's close sits at 60% of that range, 3.9% below the 52-week high.
Oct 14, 2026 — BFH-PA dips 0.4% to $24.36 on 3.5x normal volume
- Closed at $24.36, -0.37% vs the prior close of $24.45. Day range $24.20–$24.63, opened at $24.37.
- Volume was 36.30K shares, 3.5x its 50-day average of 10.47K — unusually heavy trading.
- Price is -1.6% vs its 50-day average ($24.76) and -1.9% vs its 200-day average ($24.83).
- 52-week range $23.00–$25.50; today's close sits at 54% of that range, 4.5% below the 52-week high.
Oct 13, 2026 — BFH-PA ends flat (+0.2%) to $24.45, 3 up days in a row
- Closed at $24.45, +0.21% vs the prior close of $24.40. Day range $24.40–$24.51, opened at $24.40.
- Volume was 17.97K shares, 1.8x its 50-day average of 10.14K.
- Price is -1.3% vs its 50-day average ($24.78) and -1.5% vs its 200-day average ($24.83).
- 52-week range $23.00–$25.50; today's close sits at 58% of that range, 4.1% below the 52-week high.
- That makes 3 straight gains.
Oct 12, 2026 — BFH-PA ends flat (+0.1%) to $24.40
- Closed at $24.40, +0.08% vs the prior close of $24.38. Day range $24.25–$24.40, opened at $24.38.
- Volume was 1.11K shares, 0.1x its 50-day average of 10.21K — lighter than usual.
- Price is -1.6% vs its 50-day average ($24.79) and -1.7% vs its 200-day average ($24.83).
- 52-week range $23.00–$25.50; today's close sits at 56% of that range, 4.3% below the 52-week high.
Oct 9, 2026 — BFH-PA rises 0.3% to $24.38 on 1.9x normal volume
- Closed at $24.38, +0.31% vs the prior close of $24.31. Day range $24.30–$24.40, opened at $24.30.
- Volume was 19.07K shares, 1.9x its 50-day average of 10.00K — unusually heavy trading.
- Price is -1.7% vs its 50-day average ($24.81) and -1.8% vs its 200-day average ($24.83).
- 52-week range $23.00–$25.50; today's close sits at 55% of that range, 4.4% below the 52-week high.
Oct 8, 2026 — BFH-PA dips 0.5% to $24.31
- Closed at $24.31, -0.51% vs the prior close of $24.43. Day range $24.16–$24.46, opened at $24.46.
- Volume was 15.59K shares, 1.6x its 50-day average of 9.87K.
- Price is -2.1% vs its 50-day average ($24.82) and -2.1% vs its 200-day average ($24.83).
- 52-week range $23.00–$25.50; today's close sits at 52% of that range, 4.7% below the 52-week high.
Oct 7, 2026 — BFH-PA rises 0.4% to $24.43 on 3.2x normal volume
- Closed at $24.43, +0.41% vs the prior close of $24.33. Day range $24.40–$24.45, opened at $24.40.
- Volume was 30.01K shares, 3.2x its 50-day average of 9.40K — unusually heavy trading.
- Price is -1.6% vs its 50-day average ($24.84) and -1.6% vs its 200-day average ($24.83).
- 52-week range $23.00–$25.50; today's close sits at 57% of that range, 4.2% below the 52-week high.
Oct 6, 2026 — BFH-PA ends flat (+0.0%) to $24.33
- Closed at $24.33, +0.00% vs the prior close of $24.33. Day range $24.33–$24.33, opened at $24.33.
- Price is -2.1% vs its 50-day average ($24.85) and -2.0% vs its 200-day average ($24.84).
- 52-week range $23.00–$25.50; today's close sits at 53% of that range, 4.6% below the 52-week high.
Oct 5, 2026 — BFH-PA ends flat (+0.0%) to $24.33
- Closed at $24.33, +0.04% vs the prior close of $24.32. Day range $24.33–$24.53, opened at $24.53.
- Volume was 3.33K shares, 0.3x its 50-day average of 9.82K — lighter than usual.
- Price is -2.2% vs its 50-day average ($24.87) and -2.0% vs its 200-day average ($24.84).
- 52-week range $23.00–$25.50; today's close sits at 53% of that range, 4.6% below the 52-week high.
Oct 2, 2026 — BFH-PA rises 0.5% to $24.32
- Closed at $24.32, +0.50% vs the prior close of $24.20. Day range $24.24–$24.37, opened at $24.24.
- Volume was 3.16K shares, 0.3x its 50-day average of 9.84K — lighter than usual.
- Price is -2.3% vs its 50-day average ($24.88) and -2.1% vs its 200-day average ($24.84).
- 52-week range $23.00–$25.50; today's close sits at 53% of that range, 4.6% below the 52-week high.
BFH-PA latest news & SEC filings
Every SEC filing by or about BFH-PA in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Sep 16, 2026 · Form 4 — Insider trade
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 · Form 8-K — Major event / 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 · Form 3 — New insider holdings
Initial insider ownership statement (Form 3) — a new director, officer or 10% owner disclosed their holdings
Sep 8, 2026 · Form 8-K — Major event / 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 · Form 8-K — Major event / 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 · Form 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 · Form 4 — Insider trade
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
- Lakhwara Praniti sold 2,802 shares at $106.12 (≈$297.35K) on Jul 28, 2026
- Lakhwara Praniti sold 2,802 shares at $106.12 (≈$297.35K) on Jul 28, 2026
- 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 · Form 144 — Planned insider sale
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 · Form 10-Q — Quarterly report
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 · Form 8-K — Major event / 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 · Form 8-K — Major event / 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 · Form 4 — Insider trade
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 · Form 8-K — Major event / 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-PA
- 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 0.26% (largest 0.6%). That is a relatively calm stock.
- Liquidity: about 13.86K shares (≈$339.44K) trade per day on average. Thin volume can mean wider bid/ask spreads.
- 52-week position: $24.49 vs a range of $23.00–$25.50 (60% of the range).
- Dividends: last ex-dividend date Aug 31, 2026 ($0.539/share); 3 payments in the past 12 months.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 8 open-market buys, 17 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-PA market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 16, 2026 | 24.72 | 24.76 | 24.49 | 24.49 | 6.61K |
| Oct 15, 2026 | 24.45 | 24.50 | 24.45 | 24.50 | 3.53K |
| Oct 14, 2026 | 24.37 | 24.63 | 24.20 | 24.36 | 36.30K |
| Oct 13, 2026 | 24.40 | 24.51 | 24.40 | 24.45 | 17.97K |
| Oct 12, 2026 | 24.38 | 24.40 | 24.25 | 24.40 | 1.11K |
| Oct 9, 2026 | 24.30 | 24.40 | 24.30 | 24.38 | 19.07K |
| Oct 8, 2026 | 24.46 | 24.46 | 24.16 | 24.31 | 15.59K |
| Oct 7, 2026 | 24.40 | 24.45 | 24.40 | 24.43 | 30.01K |
| Oct 6, 2026 | 24.33 | 24.33 | 24.33 | 24.33 | 0 |
| Oct 5, 2026 | 24.53 | 24.53 | 24.33 | 24.33 | 3.33K |
| Oct 2, 2026 | 24.24 | 24.37 | 24.24 | 24.32 | 3.16K |
| Oct 1, 2026 | 24.35 | 24.35 | 24.05 | 24.20 | 6.86K |
| Sep 30, 2026 | 24.17 | 24.30 | 24.17 | 24.30 | 5.90K |
| Sep 29, 2026 | 24.30 | 24.30 | 24.05 | 24.28 | 38.82K |
| Sep 28, 2026 | 24.14 | 24.42 | 24.14 | 24.26 | 31.14K |
| Sep 25, 2026 | 24.23 | 24.25 | 24.01 | 24.25 | 17.68K |
| Sep 24, 2026 | 24.35 | 24.50 | 24.22 | 24.25 | 3.55K |
| Sep 23, 2026 | 24.32 | 24.66 | 24.32 | 24.33 | 3.80K |
| Sep 22, 2026 | 24.35 | 24.45 | 24.27 | 24.43 | 24.80K |
| Sep 21, 2026 | 24.48 | 24.65 | 24.42 | 24.52 | 7.97K |
About Bread Financial
Bread Financial (BFH-PA) 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-PA 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 |
| Sep 14, 2026 | Dennis James Mccarthy | Buy | 16 | $108.14 |
| Sep 14, 2026 | Dennis James Mccarthy | Buy | 16 | $108.14 |
| Sep 14, 2026 | Dennis James Mccarthy | Buy | 16 | $108.14 |
| Jul 28, 2026 | Praniti Lakhwara | Sale | 2,802 | $106.12 |
| Jul 28, 2026 | Praniti Lakhwara | Sale | 2,802 | $106.12 |
| Jul 28, 2026 | Praniti Lakhwara | Sale | 2,802 | $106.12 |
| 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 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 29, 2026 | Ralph J Andretta | Sale | 1,500 | $88.23 |
BFH-PA 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-PA earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Jul 23, 2026 | 8-K Item 2.02 (results) | $24.99 |
| Apr 23, 2026 | 8-K Item 2.02 (results) | $25.06 |
| Jan 29, 2026 | 8-K Item 2.02 (results) | $24.58 |
| Oct 23, 2025 | 8-K Item 2.02 (results) | — |
| Jul 24, 2025 | 8-K Item 2.02 (results) | — |
| Apr 24, 2025 | 8-K Item 2.02 (results) | — |
| Jan 30, 2025 | 8-K Item 2.02 (results) | — |
| Oct 24, 2024 | 8-K Item 2.02 (results) | — |
| 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 16, 2026, 4:00 PM ET. Filings: SEC EDGAR. Updated after every US trading day.