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Stock Ratings / Consumer Discretionary / BFH / dividends
DLO (47) PAY (74) MMS (68) FOUR (44) ⌘ Pro Terminal →

Bread Financial Holdings Inc. (BFH) Dividend Safety Gauge & 10-Year DRIP Compounder

$103.41 -2.13% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $102.82

Bread Financial Holdings Inc. (BFH) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY) →
ROARABLE D+ • SELL / AVOID Cap $3.93B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BFH Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BFH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Bread Financial Holdings Inc. (NYSE: BFH) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $103.41 (-2.13% 1D, market cap $3.93B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, BFH ranks #394 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BFH compare to DLO and PAY in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), BFH carries a Roarable D+ (57/100 RQD), trailing P/E of 7.7x, gross margin of —, and ROIC of 6.4%. By comparison, DLO (DLocal Limited (Class A)) holds a D grade (47/100 RQD, P/E N/A, ROIC —, cap $3.82B) and PAY (Paymentus Holdings Inc. (Class A)) posts a B grade (74/100 RQD, P/E 60.7x, ROIC 24.9%, cap $4.13B). Among the 5-stock peer group, BFH leads on earnings multiple (7.7x) while PAY leads on capital efficiency (24.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BFH?
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Per BFH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001101215), Bread Financial Holdings Inc. generated $0 in revenue, $518.0M in net income, and $2.09B in free cash flow against $22.66B in total assets and $8.70B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $102.82 (-0.57%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 52.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510057
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D
Cash (8)Whales (12)SEC (10)Macro (10)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE-0.5% Base Target
$121 Bull$103 Base$80 Bear
📬 FREE BFH RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BFH)Realized 20D OHLCV Swing Band: ±6.3%
Deterministic 5-Pillar Attribution (57/100 Composite)
🔍 WHY BFH SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (30% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (21% of score)

20D Institutional Volume Accumulation (±6.3% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality8/20 pts (-12 pt drag)

Capital intensity & 0% operating margin leave 12 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
49
Grade D$98.96+9.8% Next Q
Q2 (-2Q)
52
Grade C-$108.63-3.6% Next Q
Q3 (-1Q)
54
Grade C-$104.73-1.3% Next Q
Current
57
Grade D+$103.41-0.2% Hist 90D α
Trajectory: D (49) → D+ (57)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BFH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 57/100 (D+) score, BFH faces multiple-compression risk if 7.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($103.72) or 200D SMA ($92.25) invalidates the momentum regime and cuts Target Base ($102.94) toward Bear Floor ($80.29).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BFH• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “BFH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 57%NO 43%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
2.8% Total Yield
1% Cash ($1.03/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 • FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
14% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $24,782

Est. Year-10 Shareholder Yield: $694/yr
$10.9K
Yr 1
$12.0K
Yr 2
$13.1K
Yr 3
$14.4K
Yr 4
$15.7K
Yr 5
$17.2K
Yr 6
$18.9K
Yr 7
$20.7K
Yr 8
$22.6K
Yr 9
$24.8K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BFH)

  • ✓Walkthrough of BFH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
BFH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.76%📐 WEDGE COMPRESSION COIL
2026-11-03O $105.7H $105.7L $103.4C $103.4VOL 613.6K
RES: $108.5SUP: $95.44SMA50: $103.7SMA200: $92.25
$117.7$104.6$91.43$78.29$65.15RES $108.5SUP $95.44$103.42026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BFH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BFH Butterfly Map → + Track BFH →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
-6.2%/yr Implied 5Y Growth

vs. +12.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BFH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BFH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BFH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BFH)

Consumer Discretionary Rank #394 of 1011 ⚔️ DLO vs BFH Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (BFH vs. DLO, PAY, MMS, FOUR)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Bread Financial Holdings Inc. (BFH) ranks #394 by composite RQD confidence (57/100, grade D+) and #316 by equity capitalization ($3.93B). Within this direct 5-issuer industry benchmark cohort, BFH leads on earnings valuation at 7.7x trailing P/E, while PAY leads on capital efficiency and profitability with 24.9% ROIC and 24.8% gross margin. PAY currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with BFH at 57/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BFH ACTIVE
Bread Financial Holdings Inc.
D+ 57/100 7.7x — 6.4% -2.13% $3.93B Benchmark Subject
DLO
DLocal Limited (Class A)
D 47/100 — — — -5.05% $3.82B /dlo-vs-bfh →
PAY
Paymentus Holdings Inc. (Class A)
B 74/100 60.7x 24.8% 24.9% +1.74% $4.13B /pay-vs-bfh →
MMS
Maximus Inc.
C+ 68/100 10.3x 24.6% 13.5% +1.40% $3.34B /mms-vs-bfh →
FOUR
Shift4 Payments Inc. (Class A)
D 44/100 21.1x — 5.5% +1.99% $3.16B /four-vs-bfh →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001101215

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bread Financial Holdings Inc. (BFH) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $518.0M, operating cash flow of $2.09B, and free cash flow of $2.09B (+12.5% YoY). On the balance sheet, BFH closed FY2025 with $22.66B in total assets against $8.70B in total debt (Altman Z-Score: 0.48, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $0 $518.0M $2.09B $2.09B $22.66B $8.70B
FY2024 (FY) 2024-12-31 $0 $277.0M $1.86B $1.86B $22.89B $8.93B
FY2023 (FY) 2023-12-31 $0 $718.0M $1.99B $1.99B $2.21B $516.2M

3. BFH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BFH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Bread Financial Holdings Inc. (NYSE: BFH) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $103.41 (-2.13% 1D, market cap $3.93B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, BFH ranks #394 in composite RQD confidence.

How does BFH compare to DLO and PAY in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), BFH carries a Roarable D+ (57/100 RQD), trailing P/E of 7.7x, gross margin of —, and ROIC of 6.4%. By comparison, DLO (DLocal Limited (Class A)) holds a D grade (47/100 RQD, P/E N/A, ROIC —, cap $3.82B) and PAY (Paymentus Holdings Inc. (Class A)) posts a B grade (74/100 RQD, P/E 60.7x, ROIC 24.9%, cap $4.13B). Among the 5-stock peer group, BFH leads on earnings multiple (7.7x) while PAY leads on capital efficiency (24.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BFH?

Per BFH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001101215), Bread Financial Holdings Inc. generated $0 in revenue, $518.0M in net income, and $2.09B in free cash flow against $22.66B in total assets and $8.70B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BFH trading relative to its 50-day, 200-day, and 52-week technical levels?

BFH last traded at $103.41 (-2.13% on volume of 613,616 shares), positioning the stock -0.30% below its 50-day simple moving average ($103.72) and +12.10% above its 200-day simple moving average ($92.25). Across its 52-week range of $59.26 to $114.53, BFH sits at the 79.9% percentile with a 14-day RSI of 50.3 (NEUTRAL RANGE) and an implied next-earnings move of ±6.3% ($96.90 to $109.92).

BFH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does BFH pay a dividend and is it safe?

Bread Financial Holdings Inc. (BFH) offers a 1% cash dividend yield ($1.03 annualized) and 2.8% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: BFH RQD Cockpit BFH 12M Forecast BFH Earnings & Move BFH Dividends & DRIP BFH Insiders & 13F BFH Whale Options BFH Profit Sankey BFH News & Why
ROARABLE RATING BRIEF • RQD 57/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

BFH — Bread Financial Holdings Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:22:31Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, BFH scores 61 out of 100, earning a C- and the verdict "Roarable Hold — Cautious Neutral." The five pillars show a mixed profile. The Fundamental Cash Engine scores 8 of 20, anchored by a ROIC of 6.4% alongside a free cash flow yield of 22%; the gap between a low return on invested capital and a high cash yield is a valuation signal that the source does not explain further. Whale 13F Flow scores 16 of 20, reflecting institutional accumulation and options positioning. Insider Conviction scores 17 of 20, based on SEC Form 4 and Congressional PTR cluster flow, the strongest pillar in the set. Macro Regime Fit scores 10 of 20, with a beta of 1.12 and sector sensitivity noted. Forensic Balance Sheet scores 10 of 20, reflecting an Altman Z of 0.48, a Piotroski F of 8 of 9, and a Debt/Equity of 2.44.

For a prospective investor, the upside drivers are the insider and institutional signals and the strong Piotroski reading, which points to improving financial quality. The principal tradeoffs are the low Altman Z (0.48), the elevated leverage (Debt/Equity 2.44), and a ROIC of 6.4%, which together weigh against the favorable valuation multiples. The rating does not recommend a position in either direction; it characterizes a cautious neutral stance.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
105.66$4.01B7.76.512.613.651%1.12$59.26 - $114.536.4%

Business

Bread Financial Holdings Inc. is a NYSE-listed issuer classified under the Consumer Discretionary sector and the Business Services industry. Per the company profile, it carries a market capitalization of $4.0B. Not available in source data: product lines, customer segments, and revenue model details.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$0.0M$611.2M$518.0MN/A$2092.0M$3604.0M$8701.2M
FY 2024$0.0M$326.9M$277.0MN/A$1859.0M$3679.0M$8928.0M
FY 2023$0.0M$847.2M$718.0MN/A$1987.0MN/A$516.2M

Per the market data, operating margin is 56.3%, net margin is 46.1%, and gross margin is 0%. ROIC is 6.4%. Per the Roarable RQD rating, the Altman Z-Score is 0.48 and the Piotroski F-Score is 8 of 9, with a Debt/Equity of 2.44. Reported net income declined from $718.0M in FY 2023 to $277.0M in FY 2024 before recovering to $518.0M in FY 2025. Reported debt rose from $516.2M in FY 2023 to $8928.0M in FY 2024 and stood at $8701.2M in FY 2025.

Recent Catalysts & News Wire Analysis

  • Market action (YELLOW, MARKET WIRE): "Why Bread Financial (BFH) stock is down today," published 1h ago per the news feed.
  • Catalyst (GREEN): A Yahoo Finance item suggesting the stock may be undervalued after an earnings beat, published 3h ago.
  • Market wire (YELLOW): A Yahoo Finance item noting the stock could be below fair value despite a 231% run, published 6h ago.
  • Catalyst (GREEN): A Yahoo Finance item previewing whether BFH will beat estimates in its next earnings report, published 9h ago.
  • Market wire (YELLOW): A Yahoo Finance Singapore profile item, published 12h ago.
  • Risk watch (RED): A Yahoo Finance item questioning whether credit risks are already priced in, published 15h ago.

Per the Butterfly Supply-Chain Graph, the supply chain is recorded as NONE, with no butterfly links and no proprietary signals.

Open Questions

  • What are the company's revenue figures? All reported revenue values in the source are $0.0M, and the EPS values are N/A.
  • What explains the increase in reported debt from $516.2M in FY 2023 to $8928.0M in FY 2024, and the cash line that is N/A for FY 2023?
  • What drives the gap between the 6.4% ROIC and the 22% FCF yield, and does it persist?
  • What were the specific drivers of the 231% run and the reported moves in the news feed?
  • What are the upstream and downstream dependencies, given that the supply-chain graph is empty?

BFH Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Bread Financial Holdings Inc. (BFH) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BFH Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BFH Bull vs. Bear Conversation Board — What's Your Call at $103.41?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BFH 🐻 50% BEARISH CONVICTION
1. Pick Your Side on BFH:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $114.11 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is BFH (C- • RQD 61/100) a Buy at $105.66?

Welcome to the BFH (Bread Financial Holdings Inc.) Roar Pit. Current RQD Composite is 61/100 (Roarable Hold — Cautious Neutral) in Business Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $84.53 (-20.0%)
Spot @ $105.66

Pump the brakes on BFH — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on BFH, but look at what you are paying: 7.7x trailing P/E with tightening sector spreads. Unless Bread Financial Holdings Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $124.68 (+18.0%)
Spot @ $105.66

BFH cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on BFH, the market is fixating on short-term headline noise in Business Services and ignoring the balance sheet and cash flow trajectory. At $105.66 (52-wk range $59.26 - $114.53), any beat on forward guidance forces shorts and underweight funds to chase.

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