Rayana AI
Account
BFH
HOLD / NEUTRALMeanRev
Composite
42.90
Technical
69.50
Fundamental
34.10
Rank
Price
106.11
Hurst
0.12
As of
Jul 28, 2026
Daily
Bread Financial Holdings, Inc.
Financial ServicesCredit Services

Bread Financial Holdings, Inc. operates a fintech platform offering payment and lending services to merchants and consumers across North America. The company provides private label and co-branded credit card programs, installment financing, and digital payment solutions through its Bread Pay platform, along with loan servicing, underwriting, and risk management capabilities. Additionally, it offers deposit products such as certificates of deposit and high-yield savings accounts, plus marketing and data analytics services.

Market cap
$4.2B
P/E (trailing)
8.37
P/E (forward)
8.09
PEG ratio
3.17
Dividend yield
85.00%
Beta
1.13
52w range
53.83 – 114.53
Return on equity
+17.42%
Profit margin
+21.36%
Revenue growth
+3.80%
Earnings growth
+21.20%
Price history

1Y: 108.21 (+70.8%) · range 53.47–113.15

Cycle position
58/ 100 cycle scoreMID-BULL
ENTRYAPPROACHMID-BULLNEAR-TOPEXIT

entry readiness 9 · NOT READY · exit proximity 0

Conviction
22/ 100 · maturity 57%
VScore.2810
Buildup.2443
EMA entry setup.309
Fundamentals.1834
Volume profile
POC
107.62
Price vs POC
+0.5%
Overhead supply
12%
Runway
+0.3%

Value area 87.66112.51 · 12% of 120d volume overhead · clean runway

Contributing sources
SourceScoreLast seen
insider-activity
0.001
Sep 17, 2026
Forward returns
HorizonReturnMFEState
20d-0.14%+5.21%mature
40d-1.09%+5.21%32/40d