Bread Financial (BFH-PB) Stock Analysis & Price (Updated Oct 16, 2026, 4:00 PM ET)
Updated Oct 16, 2026, 4:00 PM ET
- Closed at $24.15, +0.00% vs the prior close of $24.15.
- Volume 44.34K 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-PB ends flat (+0.0%) to $24.15. Closed at $24.15, +0.00% vs the prior close of $24.15. Day range $24.15–$24.48, opened at $24.20.
BFH-PB 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-PB ends flat (+0.0%) to $24.15
- Closed at $24.15, +0.00% vs the prior close of $24.15. Day range $24.15–$24.48, opened at $24.20.
- Volume was 44.34K shares, 0.9x its 50-day average of 47.29K.
- Price is -2.6% vs its 50-day average ($24.79).
- 52-week range $23.65–$25.68; today's close sits at 25% of that range, 6.0% below the 52-week high.
Oct 15, 2026 — BFH-PB rises 0.7% to $24.15
- Closed at $24.15, +0.71% vs the prior close of $23.98. Day range $24.00–$24.23, opened at $24.05.
- Volume was 15.63K shares, 0.3x its 50-day average of 47.10K — lighter than usual.
- Price is -2.6% vs its 50-day average ($24.81).
- 52-week range $23.65–$25.68; today's close sits at 25% of that range, 6.0% below the 52-week high.
Oct 14, 2026 — BFH-PB dips 0.7% to $23.98
- Closed at $23.98, -0.70% vs the prior close of $24.15. Day range $23.81–$24.15, opened at $24.15.
- Volume was 8.28K shares, 0.2x its 50-day average of 47.31K — lighter than usual.
- Price is -3.4% vs its 50-day average ($24.83).
- 52-week range $23.65–$25.68; today's close sits at 16% of that range, 6.6% below the 52-week high.
Oct 13, 2026 — BFH-PB rises 0.4% to $24.15, 3 up days in a row
- Closed at $24.15, +0.42% vs the prior close of $24.05. Day range $24.01–$24.20, opened at $24.03.
- Volume was 9.41K shares, 0.2x its 50-day average of 47.65K — lighter than usual.
- Price is -2.8% vs its 50-day average ($24.85).
- 52-week range $23.65–$25.68; today's close sits at 25% of that range, 6.0% below the 52-week high.
- That makes 3 straight gains.
Oct 12, 2026 — BFH-PB ends flat (+0.3%) to $24.05
- Closed at $24.05, +0.25% vs the prior close of $23.99. Day range $23.79–$24.13, opened at $23.99.
- Volume was 13.65K shares, 0.3x its 50-day average of 47.87K — lighter than usual.
- Price is -3.3% vs its 50-day average ($24.87).
- 52-week range $23.65–$25.68; today's close sits at 20% of that range, 6.3% below the 52-week high.
Oct 9, 2026 — BFH-PB rises 1.2% to $23.99
- Closed at $23.99, +1.22% vs the prior close of $23.70. Day range $23.70–$24.02, opened at $23.85.
- Volume was 11.92K shares, 0.2x its 50-day average of 47.86K — lighter than usual.
- Price is -3.6% vs its 50-day average ($24.89).
- 52-week range $23.65–$25.68; today's close sits at 17% of that range, 6.6% below the 52-week high.
Oct 8, 2026 — BFH-PB dips 0.6% to $23.70, a 3-month low, 6 down days in a row
- Closed at $23.70, -0.59% vs the prior close of $23.84. Day range $23.65–$24.25, opened at $24.25.
- Volume was 35.67K shares, 0.7x its 50-day average of 47.67K.
- Price is -4.9% vs its 50-day average ($24.91).
- 52-week range $23.65–$25.68; today's close sits at 2% of that range, 7.7% below the 52-week high.
- That makes 6 straight losses.
Oct 7, 2026 — BFH-PB dips 1.7% to $23.84, a 3-month low, 5 down days in a row
- Closed at $23.84, -1.69% vs the prior close of $24.25. Day range $23.84–$24.38, opened at $24.24.
- Volume was 49.27K shares, 1.0x its 50-day average of 47.08K.
- Price is -4.4% vs its 50-day average ($24.94).
- 52-week range $23.84–$25.68; today's close sits at 0% of that range, 7.2% below the 52-week high.
- That makes 5 straight losses.
Oct 6, 2026 — BFH-PB dips 0.5% to $24.25, a 3-month low, 4 down days in a row
- Closed at $24.25, -0.45% vs the prior close of $24.36. Day range $24.24–$24.50, opened at $24.42.
- Volume was 14.72K shares, 0.3x its 50-day average of 46.91K — lighter than usual.
- Price is -2.9% vs its 50-day average ($24.97).
- 52-week range $24.24–$25.68; today's close sits at 1% of that range, 5.6% below the 52-week high.
- That makes 4 straight losses.
Oct 5, 2026 — BFH-PB ends flat (+0.0%) to $24.36, 3 down days in a row
- Closed at $24.36, +0.00% vs the prior close of $24.36. Day range $24.30–$24.37, opened at $24.31.
- Volume was 10.78K shares, 0.2x its 50-day average of 46.77K — lighter than usual.
- Price is -2.5% vs its 50-day average ($24.98).
- 52-week range $24.25–$25.68; today's close sits at 8% of that range, 5.1% below the 52-week high.
- That makes 3 straight losses.
Oct 2, 2026 — BFH-PB ends flat (+0.0%) to $24.36
- Closed at $24.36, +0.00% vs the prior close of $24.36. Day range $24.25–$24.44, opened at $24.44.
- Volume was 18.06K shares, 0.4x its 50-day average of 46.50K — lighter than usual.
- Price is -2.5% vs its 50-day average ($24.99).
- 52-week range $24.25–$25.68; today's close sits at 8% of that range, 5.1% below the 52-week high.
BFH-PB latest news & SEC filings
Every SEC filing by or about BFH-PB 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-PB
- 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 0.43% (largest 1.7%). That is a relatively calm stock.
- Liquidity: about 39.71K shares (≈$959.09K) trade per day on average. Thin volume can mean wider bid/ask spreads.
- 52-week position: $24.15 vs a range of $23.65–$25.68 (25% of the range).
- Dividends: last ex-dividend date Aug 31, 2026 ($0.758/share); 1 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-PB market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 16, 2026 | 24.20 | 24.48 | 24.15 | 24.15 | 44.34K |
| Oct 15, 2026 | 24.05 | 24.23 | 24.00 | 24.15 | 15.63K |
| Oct 14, 2026 | 24.15 | 24.15 | 23.81 | 23.98 | 8.28K |
| Oct 13, 2026 | 24.03 | 24.20 | 24.01 | 24.15 | 9.41K |
| Oct 12, 2026 | 23.99 | 24.13 | 23.79 | 24.05 | 13.65K |
| Oct 9, 2026 | 23.85 | 24.02 | 23.70 | 23.99 | 11.92K |
| Oct 8, 2026 | 24.25 | 24.25 | 23.65 | 23.70 | 35.67K |
| Oct 7, 2026 | 24.24 | 24.38 | 23.84 | 23.84 | 49.27K |
| Oct 6, 2026 | 24.42 | 24.50 | 24.24 | 24.25 | 14.72K |
| Oct 5, 2026 | 24.31 | 24.37 | 24.30 | 24.36 | 10.78K |
| Oct 2, 2026 | 24.44 | 24.44 | 24.25 | 24.36 | 18.06K |
| Oct 1, 2026 | 24.40 | 24.40 | 24.30 | 24.36 | 14.96K |
| Sep 30, 2026 | 24.49 | 24.56 | 24.35 | 24.40 | 238.53K |
| Sep 29, 2026 | 24.43 | 24.60 | 24.29 | 24.37 | 30.88K |
| Sep 28, 2026 | 24.63 | 24.63 | 24.30 | 24.37 | 56.18K |
| Sep 25, 2026 | 24.68 | 24.71 | 24.53 | 24.67 | 69.14K |
| Sep 24, 2026 | 24.71 | 24.77 | 24.51 | 24.62 | 57.37K |
| Sep 23, 2026 | 24.80 | 24.80 | 24.63 | 24.69 | 35.95K |
| Sep 22, 2026 | 24.86 | 24.90 | 24.61 | 24.77 | 22.50K |
| Sep 21, 2026 | 24.88 | 24.94 | 24.75 | 24.78 | 37.03K |
About Bread Financial
Bread Financial (BFH-PB) 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-PB 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-PB 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-PB earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Jul 23, 2026 | 8-K Item 2.02 (results) | $24.97 |
| Apr 23, 2026 | 8-K Item 2.02 (results) | — |
| Jan 29, 2026 | 8-K Item 2.02 (results) | — |
| 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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More on BFH-PB
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.