Avoid the stress of overpaying for a stock or missing an opportunity by using the right tools and insights to evaluate Bread Financial Holdings, Inc. before investing.

In this article, we go over a few key elements for understanding Bread Financial Holdings, Inc.’s stock price such as:

• Bread Financial Holdings, Inc.’s current stock price and volume
• Why Bread Financial Holdings, Inc.’s stock price changed recently
• Upgrades and downgrades for BFH from analysts
• BFH’s stock price momentum as measured by its relative strength

About Bread Financial Holdings, Inc. (BFH)

Before we jump into Bread Financial Holdings, Inc.’s stock price, history, target price and what caused it to recently dip, let’s take a look at some background.

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

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Bread Financial Holdings, Inc.’s Stock Price as of Market Close

As of July 31, 2026, 4:00 PM, CST, Bread Financial Holdings, Inc.’s stock price was $108.070.

Bread Financial Holdings, Inc. is down 2.31% from its previous closing price of $110.620.

During the last market session, Bread Financial Holdings, Inc.’s stock traded between $107.155 and $111.070. Currently, there are approximately 39.90 million shares outstanding for Bread Financial Holdings, Inc..

Bread Financial Holdings, Inc.’s price-earnings (P/E) ratio is currently at 8.7, which is low compared to the Consumer Finance industry median of 9.3. The price-earnings ratio gauges market expectation of future performance by relating a stock’s current share price to its earnings per share.

Bread Financial Holdings, Inc. Stock Price History

Bread Financial Holdings, Inc.’s (BFH) price is currently down 0.26% so far this month.

During the month of July, Bread Financial Holdings, Inc.’s stock price has reached a high of $111.130 and a low of $91.130.

Over the last year, Bread Financial Holdings, Inc. has hit prices as high as $111.125 and as low as $53.830. Year to date, Bread Financial Holdings, Inc.’s stock is up 45.98%.

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What Caused Bread Financial Holdings, Inc. Stock’s Price to Dip?

Stock prices are primarily based on seller supply and buyer demand. But have you ever wondered about what other factors affect a stock's price?

When an analyst changes their opinion of a stock by upgrading or downgrading their rating, it often leads to a sudden stock price adjustment. As of July 30, 2026, there were 0 analysts who downgraded Bread Financial Holdings, Inc.’s stock and 1 analyst who upgraded over the last month.

Additionally, you'll want to evaluate Bread Financial Holdings, Inc.’s financial health and valuation. Investors can use AAII's Value Grade, which combines six key valuation metrics like P/E and P/S ratios for a comprehensive analysis to conduct analysis on Bread Financial Holdings, Inc.’s valuation and financial health. This approach mitigates the limitations of single-metric evaluations.

Bread Financial Holdings, Inc.’s current valuation based on AAII’s Value Grade is a A, which means it is considered to be Deep Value.

Learn how to evaluate stocks with AAII Grades and Scores with A+ Investor today.

Lastly, news and media coverage as well as recent press reports about the company or its industry may cause stock prices to fluctuate. You can check out the most recent news articles about Bread Financial Holdings, Inc. (BFH) by visiting AAII Stock Evaluator.

Relative Price Strength of Bread Financial Holdings, Inc.

Relative price strength measures a stock's performance against the market, helping investors identify stocks that are outperforming benchmarks.

For AAII’s Momentum Grade, a weighted relative price strength is calculated. Follow this link to learn more about the Momentum Grade.

As of July 30, 2026, Bread Financial Holdings, Inc. has a weighted four-quarter relative price strength of 14.67%, which translates to a Momentum Score of 88 and is considered to be Very Strong.

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Bread Financial Holdings, Inc. Stock Price: Bottom Line

As of July 31, 2026, Bread Financial Holdings, Inc.’s stock price is $108.070, which is down 2.31% from its previous closing price.

AAII advises against making stock decisions based solely on price or past returns. Instead, consider a variety of metrics, fundamentals, and analytics to evaluate a stock like Bread Financial Holdings, Inc. stock prices are influenced by market supply and demand and offer just a snapshot of a company's overall health.

Subscribing to AAII's A+ Investor provides access to comprehensive analytics and insights for confident investing.