Bread Financial Holdings, Inc.

BFH stock score: 65/100

$108.63 · +3.84% · Scored Oct 21, 2026

Technical
69
Fundamental
60
News
53

The reading

Bread Financial (BFH) scores 65 out of 100, which reads neutral, higher than 79% of Financial Services stocks and 88% of the 4,166 US stocks we score.

The composite is technicals and fundamentals weighted equally: technicals read 69, fundamentals 60.

Among the fundamentals, Earnings Growth (Annual) at 100 and Gross Margins at 97 score highest, while Fund Ownership at 0 weighs the most against it.

On the daily chart, trend-following indicators average 72 and contrarian oscillators 36 — a split worth reading before trusting the technical total.

News sentiment is neutral at 53; it is shown, not counted in the composite.

Since Jul 25, 2026 the composite has ranged from 58 to 76, and it is down 9 points over the period.

What’s driving the score

The strongest and weakest of the scorers that count toward BFH’s composite. Each returns 0–100, higher is more bullish — including metrics where low is good, like P/E.

Fundamental

60

Pulling it up

  • Earnings Growth (Annual)100

    Annual earnings growth tracks year-over-year profit expansion.

  • Gross Margins97

    Gross margins show profitability after cost of goods sold.

  • Asset Turnover97

    Asset turnover is revenue divided by total assets: how much sales a company generates from each dollar of assets.

Holding it back

  • Fund Ownership0

    Fund ownership tracks institutional investor holdings and changes.

  • Debt to Equity3

    Debt-to-Equity ratio measures financial leverage by comparing total debt to shareholder equity.

  • Earnings Estimates17

    Earnings estimates score evaluates analyst projections for future profitability.

36 weighted scorers; 5 had no data today and are left out rather than counted as zero.

Technical · daily

68

Pulling it up

  • Parabolic SAR (PSAR)100

    Parabolic SAR (Stop and Reverse) provides trailing stop levels that follow price trends.

  • VWAP100

    Volume Weighted Average Price (VWAP) shows the average price weighted by volume.

  • SMA 50 Cross Up100

    SMA 50 Cross Up detects when faster averages cross above the 50-period SMA.

Holding it back

  • Bollinger Bands (20)0

    Bollinger Bands (20-period) plot standard deviations above and below a moving average.

  • Williams %R (14)8

    Williams %R (14-period) measures where the current price sits within the recent high-low range.

  • TRIX10

    TRIX is a momentum oscillator that filters out short-term noise by triple-smoothing price data.

62 weighted scorers; 3 had no data today and are left out rather than counted as zero.

News · shown, not counted

Global News
53

Technical score by timeframe

ChartScoreWeight
Hourly631
Daily683
Weekly722
Monthly712
Quarterly692

Composite score, last 90 days

05010065Jul 25, 2026Oct 21, 2026Jul 25, 2026: 74Jul 26, 2026: 74Jul 27, 2026: 74Jul 28, 2026: 74Jul 29, 2026: 74Jul 30, 2026: 75Jul 31, 2026: 76Aug 2, 2026: 60Aug 3, 2026: 62Aug 5, 2026: 62Aug 6, 2026: 60Aug 7, 2026: 63Aug 8, 2026: 63Aug 9, 2026: 63Aug 10, 2026: 63Aug 11, 2026: 64Aug 12, 2026: 65Aug 13, 2026: 66Aug 14, 2026: 66Aug 15, 2026: 66Aug 16, 2026: 66Aug 17, 2026: 64Aug 18, 2026: 64Aug 19, 2026: 63Aug 20, 2026: 61Aug 22, 2026: 62Aug 23, 2026: 62Aug 24, 2026: 62Aug 25, 2026: 63Aug 26, 2026: 63Aug 27, 2026: 63Aug 28, 2026: 62Aug 29, 2026: 62Aug 30, 2026: 62Aug 31, 2026: 61Sep 1, 2026: 61Sep 2, 2026: 64Sep 3, 2026: 64Sep 4, 2026: 65Sep 5, 2026: 65Sep 6, 2026: 65Sep 7, 2026: 65Sep 8, 2026: 65Sep 9, 2026: 62Sep 10, 2026: 62Sep 11, 2026: 63Sep 12, 2026: 63Sep 13, 2026: 63Sep 14, 2026: 64Sep 15, 2026: 63Sep 16, 2026: 63Sep 17, 2026: 64Sep 18, 2026: 64Sep 19, 2026: 64Sep 20, 2026: 64Sep 21, 2026: 64Sep 22, 2026: 61Sep 23, 2026: 60Sep 24, 2026: 62Sep 25, 2026: 61Sep 26, 2026: 61Sep 27, 2026: 61Sep 28, 2026: 60Sep 29, 2026: 59Sep 30, 2026: 58Oct 1, 2026: 58Oct 2, 2026: 59Oct 3, 2026: 59Oct 4, 2026: 59Oct 5, 2026: 60Oct 6, 2026: 59Oct 7, 2026: 59Oct 8, 2026: 60Oct 9, 2026: 61Oct 10, 2026: 61Oct 11, 2026: 61Oct 12, 2026: 61Oct 13, 2026: 62Oct 14, 2026: 59Oct 15, 2026: 60Oct 16, 2026: 62Oct 17, 2026: 62Oct 18, 2026: 62Oct 19, 2026: 62Oct 20, 2026: 63Oct 21, 2026: 65
Show the daily numbers
DateComposite
Oct 21, 202665
Oct 20, 202663
Oct 19, 202662
Oct 18, 202662
Oct 17, 202662
Oct 16, 202662
Oct 15, 202660
Oct 14, 202659
Oct 13, 202662
Oct 12, 202661
Oct 11, 202661
Oct 10, 202661
Oct 9, 202661
Oct 8, 202660
Oct 7, 202659
Oct 6, 202659
Oct 5, 202660
Oct 4, 202659
Oct 3, 202659
Oct 2, 202659
Oct 1, 202658
Sep 30, 202658
Sep 29, 202659
Sep 28, 202660
Sep 27, 202661
Sep 26, 202661
Sep 25, 202661
Sep 24, 202662
Sep 23, 202660
Sep 22, 202661
Sep 21, 202664
Sep 20, 202664
Sep 19, 202664
Sep 18, 202664
Sep 17, 202664
Sep 16, 202663
Sep 15, 202663
Sep 14, 202664
Sep 13, 202663
Sep 12, 202663
Sep 11, 202663
Sep 10, 202662
Sep 9, 202662
Sep 8, 202665
Sep 7, 202665
Sep 6, 202665
Sep 5, 202665
Sep 4, 202665
Sep 3, 202664
Sep 2, 202664
Sep 1, 202661
Aug 31, 202661
Aug 30, 202662
Aug 29, 202662
Aug 28, 202662
Aug 27, 202663
Aug 26, 202663
Aug 25, 202663
Aug 24, 202662
Aug 23, 202662
Aug 22, 202662
Aug 20, 202661
Aug 19, 202663
Aug 18, 202664
Aug 17, 202664
Aug 16, 202666
Aug 15, 202666
Aug 14, 202666
Aug 13, 202666
Aug 12, 202665
Aug 11, 202664
Aug 10, 202663
Aug 9, 202663
Aug 8, 202663
Aug 7, 202663
Aug 6, 202660
Aug 5, 202662
Aug 3, 202662
Aug 2, 202660
Jul 31, 202676
Jul 30, 202675
Jul 29, 202674
Jul 28, 202674
Jul 27, 202674
Jul 26, 202674
Jul 25, 202674

Key facts

Market cap
$4.2B
Sector
Financial Services
Industry
Credit Services
Beta
1.18
Risk grade (1–10)
1
Next earnings
Oct 22, 2026

Credit Services peers

CompanyMarket capScore
CACC Credit Acceptance$5.6B61
KLAR Klarna Group$5.0B45
SEZL Sezzle$4.6B76
NNI Nelnet$4.5B55
ENVA Enova International$4.5B68
SLM SLM$4.3B58

Questions

What is BFH's stock score today?

BFH scores 65/100 (Neutral) as of Oct 21, 2026: technical 69, fundamental 60, and news sentiment 53, which is shown but not counted. Scores are recomputed every night.

Is BFH a buy?

The score is not a buy or sell recommendation. A 65 says the technical and fundamental signals we measure lean neutral today, relative to every other stock scored the same way. Use the breakdown above to see why, and treat it as a starting point for your own research.

How is the BFH score calculated?

98 weighted scorers feed it today: 36 fundamental, scored against Financial Services ranges, and 62 technical on the daily chart, with 5 timeframes blended into the technical total. Every scorer returns 0–100; missing data is left out, never counted as zero.

Scores are information, not investment advice. Computed from Yahoo Finance, Finnhub and Alpha Vantage data; technical indicators via TA-Lib. Past scores do not predict future returns.