Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
Quick Stats
54.0
AI Score
HOLD0.12
Volume Ratio
Next Earnings
15
+ve Days (30d)
15
-ve Days (30d)
BFH Stock Summary
Last updated Jan 27, 2026
BFH is currently trading at $73.23, positioned below its 200-day moving average of $, suggesting bearish momentum. The stock has a 52-week range of $38.21 to $82.03.
Technical Analysis: The 50-day moving average stands at $, which is above the current price, indicating bearish near-term pressure. The RSI (Relative Strength Index) reads 42.857, suggesting the stock is neutral with balanced momentum.
Money Flow Indicators: The Chaikin Money Flow (20-day) is 0.026, which is positive, indicating accumulation by institutional investors. Our AI-powered investment score rates BFH at 54.0/100 with a HOLD recommendation.
BFH (Bread Financial Holdings, Inc.) Indicators
Last updated Jan 27, 2026
| Indicator | Value |
|---|---|
| RSI(14) | 42.857 |
| CMF (20) | 0.026 |
| ROC (10) | -3.246 |
| ADX (14) | 26.835 |
| Indicator | Value |
|---|---|
| MACD (12,26,9) | -1.016 |
| AROONOSC (14) | -21.429 |
| WILLAMS %R (14) | -88.281 |
| MFI (14) | 38.906 |
BFH Technical Chart
- Candlesticks: Green = price up, Red = price down. Body shows open/close, wicks show high/low.
- SMAs: Moving averages help identify trends. Price above SMA = bullish, below = bearish.
- Options OI: Shows max open interest strikes. High OI = significant price levels.
- Volume Profile: Shows price levels with most trading activity. POC = Point of Control (highest volume).
- Earnings: Vertical lines mark earnings dates. Watch for volatility around these dates.
- Gamma Walls: Key support/resistance from options gamma exposure. Orange = resistance above, Purple = support below.
- Fibonacci Retracement: Auto-calculated support/resistance levels based on recent high/low. Key levels: 23.6%, 38.2%, 50%, 61.8%, 78.6%.
- Unusual Activity: Highlights days with abnormal volume (2x+ average) or large price moves (5%+). Red marker = unusual activity detected.
Technical Indicators
Select indicators above to analyze technical patterns
Indicators will appear below the price chart with perfectly aligned datesVolume Profile Analysis
Horizontal histogram showing volume distribution at each price level with buying/selling pressure
BFH Price vs Max Options Open Interest
BFH Max Change In Options Open Interest
BFH Options - Sort by Max open Interest (near term)
2nd February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | OI | Change in OI |
Volume | Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
BFH Daily Out of Money Options - Sort by Max open Interest (near term)
2nd February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | OI | Change in OI |
Volume | Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
BFH Daily In the Money Options - Sort by Max open Interest (near term)
2nd February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | OI | Change in OI |
Volume | Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
BFH Most Active Options by Volume(near term)
2nd February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | Volume | OI | Change in OI |
Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
Bread Financial Holdings, Inc. is not trading above both 50 Day and 200 Day SMA which is considered Bearish.
BFH Moving Averages Analysis
BFH (Bread Financial Holdings, Inc.) Simple Moving Averages
Moving Averages are last updated
| Days | MA |
|---|
BFH Fundamental Analysis
| P/E (Forward) | 8.0451 |
| P/E (Trailing) | 7.3945 |
| Market Cap ($) | 3.3 billion |
| Earnings/Share ($) | 9.81 |
| Net Proft Margin (%) | 0.2002 |
| Dividend/Share ($) | 0 |
| EPS Estimate Current Year ($) | 9.936 |
| EPS Estimate Next Year ($) | 11.6306 |
| WallStreet Target Price ($) | 82.4 |
| Most Recent Quarter |