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Bread Financial Holdings Inc (BFH) stock analysis
SKIP 11% confidence · analysed Sep 18, 2026
This analysis is from Sep 18, 2026 and may be out of date.
On Sep 18, 2026, our model rated Bread Financial Holdings Inc (BFH) SKIP with 11% confidence at a price of $107.38. That means the signals cancel out; the model sees no clear edge either way.
Technical picture
The 14-day RSI is 54, close to the neutral 50 line, so momentum is balanced.
MACD is below its signal line, so short-term momentum is pointing down.
The price is above both its 50-day and 200-day moving averages, the classic picture of an uptrend.
Volume is only 0.1x its 20-day average; light trading makes the latest move less convincing.
Trend structure and money flow
Market structure shows a bullish break of structure (BOS): price broke a recent swing high in the direction of the trend, which usually signals trend continuation.
The most recent swing high is $81.40 and the swing low is $67.26; traders often treat these as resistance and support.
Price is sitting in a bearish order block, a zone where large sellers stepped in before, so upside may stall here.
Fundamentals
The PEG ratio is 3.17, which looks expensive relative to its growth.
The company reports a profit margin of 21.4% and revenue growth of +3.8%.
In its latest quarter it earned $3.55 per share, which beat the $2.77 analysts expected, with revenue +6.9% year over year.
Wall Street's average rating is 2.1 on a 1 (strong buy) to 5 (sell) scale, roughly a "buy", with an average price target of $115.41.
The next earnings report is expected around Oct 22, 2026; prices often move sharply around earnings.
The model's one-paragraph read
No clear edge (SKIP) — composite score +0.11 (SKIP). Technicals: RSI 54.5, MACD bearish, price above SMA50. Fundamentals: PEG 3.17, margin 21.4%, revenue growth 3.8%. Financial results: YoY revenue +6.9%, last EPS surprise +28.2%, next earnings 2026-10-22. Smart Money Concepts: BOS bullish (trend continuation), price retesting a bearish order block, sitting inside an unfilled bearish fair value gap. FinGPT news read: positive. Memory: 1 prior look(s). Reference price $106.9; no trade levels (SKIP).
Past ratings for BFH
| Date | Verdict | Confidence | Price | Move since | |
|---|---|---|---|---|---|
| Sep 18, 2026 | SKIP | 11% | $107.38 | — | |
| Sep 16, 2026 | SKIP | 12% | $107.44 | -0.1% |
"Move since" compares each call's price with the latest analysed price.
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Frequently asked questions
Is BFH a buy right now?
As of Sep 18, 2026, our automated model rates Bread Financial Holdings Inc (BFH) SKIP with 11% confidence: the signals cancel out; the model sees no clear edge either way. This is a model output for education, not personal investment advice.
When does Bread Financial Holdings Inc report earnings next?
The next earnings report is expected around Oct 22, 2026.
What does a SKIP rating mean?
A SKIP rating means the signals cancel out; the model sees no clear edge either way.
For information and education only. Not investment advice. Ratings are produced by an automated model, can be wrong, and may be out of date. Do your own research; you can lose money investing. The site's author may hold positions in stocks discussed here.